Other Products & Services

In addition to our great offering of savings (share) accounts and loans, we offer other products and services, many of which are at no cost to you.


Online Services

Virtual Branch (Online Banking)
Virtual Branch is at no cost to you and allows you to access your account information and transfer funds online 24 hours a day, 7 days a week.

Mobile Banking
With Mobile Banking, you may access your accounts, conduct transfers, & schedule your Online Bill payments all at the tip of your fingertips!  To use Mobile Banking, you must already be enrolled for Wailuku FCU’s online banking.   Download our app today!

Bill Payment
Bill Payment is at no cost to you and allows you to make payments to those who are not able to debit (deduct from) your account electronically.  This great service replaces the need to write checks and allows you to save on postage.  You can do one-time or recurring payments.  For example, you can use Bill Payment to make your monthly rent payment or monthly donation.  Best of all, it’s free! 

Please note that you must be signed up for Virtual Branch and have a checking (share draft) account in order to use Bill Payment.  You may sign up for Bill Payment by logging into Virtual Branch.

Online Loan Applications
Time is important so apply online for a loan.  It’s fast, easy and secure.  Apply for a loan online.

Credit Insurance

MEMBERS CHOICE®1 Credit Disability Insurance
MEMBERS CHOICE® Credit Disability  Insurance is a way to help cover you and your family. There is no way anyone can predict a total disability due to injury or a medical-related illness but you can take steps along the way to make sure your family is provided for if the unforeseen were to happen.  MEMBER’S CHOICE® Credit Disability Insurance helps pay your loan when you and your family need it most.  The premium is included in your monthly loan payment. Once you complete the loan documents, coverage begins immediately for eligible borrowers.

MEMBERS CHOICE®1 Credit Life Insurance
MEMBERS CHOICE® Credit Life Insurance is a way to help cover your family. There is no way your family can predict an unexpected death but you can take steps to make sure your family is provided for if the unexpected occurs. The premium is included in your monthly loan payment.  Once you complete the loan documents, coverage begins immediately for eligible borrowers. Your family won’t have to make loan payments—MEMBER’S CHOICE® Credit Life Insurance will help pay off the loan, up to the policy maximum, and your family may not have to make payments from savings, salary or from other life insurance.

1CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Your purchase of MEMBER’S CHOICE® Credit Disability or Credit Life Insurance, underwritten by CMFG Life Insurance Company, is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Policy Agreement for a full explanation of the terms. 

Insurance products are not deposits, obligations of, or guaranteed by Wailuku Federal Credit Union and are not insured by the National Credit Union Share Insurance Fund (NCUSIF), or any other agency of the United States, Wailuku Federal Credit Union, or CUSO, Inc.  Any Insurance required as a condition of an extension of credit by Wailuku Federal Credit Union need not be purchased from Insurance Agency of the Wailuku Federal Credit Union and may be purchased from a licensed company of your choice.


Prepaid Debit Cards

CUMONEY Prepaid Debit Card

The power to manage your money is in your hands with a CU Money prepaid debit card.  You can fund it with the specific dollar amount of your choice and reload it with more money, as you need it, and at any time.   Fund your child’s everyday living expenses while at college or get a second chance after having a disastrous experience with your last checking account.  The CU Money prepaid debit card offers a safe and convenient way to take care of everyday expenses, while always staying within your budget.

CUMONEY Prepaid Travel Card
Travel light, travel securely.  With a Visa TravelMoney card, stay within your planned vacation budget and avoid finance charges that could accrue when using a credit card.  It offers the convenience and security of a debit card, without the potential for disaster if your wallet is lost or stolen.

For more information, check out CU MONEY

*The CUMoney Prepaid Card is a reloadable stored-value card. It is neither a credit card, nor a NCUA insured deposit account.

Other Products & Services


Credit Counseling

We offer credit counseling to our members as well as non-members, but if you’re not a member we believe that you’ll realize the value that we provide and will become a member.  Credit counseling is a one-on-one session where we provide you with a free credit report, explain what is a credit report, what is a credit score, what affects your credit score, and if necessary, how to improve your credit score.  I’m sure you will agree that in today’s world, having good credit and learning about credit is very important.  Don’t delay, schedule a credit counseling appointment today!

Payroll Deduction/Direct Deposit

Enrolling in payroll deduction (set amount) or direct deposit (net check) saves you time, and time = money.  Plus, it’s a great way to save as well as to ensure that your loan payments will be made on time.  Enrollment is done with the originator of the funds such as your payroll department, Social Security, etc. but we will be glad to assist you.  The information that will be required to enroll in payroll deduction or direct deposit is the name of the account, your account number, account type (savings or checking) and our routing number which is 321380085.

Notary Services
We offer notary services at no cost to our members.  An acceptable form of identification such as a current driver’s license, state ID card, or passport  is required in addition to the document(s) that you want notarized.  Appointments are recommended to ensure that a Notary Public is available.  Please click here to schedule a notary appointment.

Movie Tickets
As a member, one of the many benefits you’ll be able to enjoy is our discounted movie tickets.   Movie tickets are available for both Consolidated & Regal Theatres. Purchase them in advance to save on your next trip to the movie theatre or give them away as gifts!  Restrictions may apply, please call or email us for more information.