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A Local Credit Union That Cares

Rates and Fees


The fees are accurate and effective as of the last dividend declaration. Fees are subject to change at any time without prior notice. Many of these fees can be avoided by maintaining the appropriate minimum balance requirement.

Credit Union Membership

Description Amount
Membership Fee (one-time, non-refundable) $1.00

Share Draft (Checking)

Description Amount
Cleared Draft Copy $2.00
Overdraft Transfer (from Shares) $3.00
Share Draft Order Varies by design
Share Draft Return (i.e.,Non Sufficient Funds or NSF) $20.00
Stop Payment of Share Draft $20.00

Debit/ATM Card

Description Amount
Debit/ATM Card - Replacement $10.00
Debit Card - Hot Card $10.00
Debit Card - PIN Reorder $3.00
Debit Card - Expedited Shipping $50.00

Electronic Funds Transfer

Description Amount
ACH Overdraft Transfer Fee (from shares)
Reg D allows up to 6 transfers per month
ACH Return Fee (i.e., NSF) $20.00
ACH Revocation $20.00
ACH Stop Payment $20.00

Service Fees (Applicable to all accounts)

Description Amount
Abandoned Property Processing $10.00
Account Activity Printout $2.00
Account Closure
(if closed within 6 months of opening)
Account Reconciliation $25/hr
Account Research Fee $25/hr
Account Service (below minimum) $5.00
Cashier's Check (to a third party) $3.00
Cashier's Check Photocopy $2.00
Cashier's Check Stop Payment (teller check) $30.00
Deposit Item Return $20.00
Deposit Rolled Coins (in excess of 10 rolls) $0.25/roll
Insufficient Funds Fee $20.00
Notary (non-members) $5.00
Photocopy Fee $0.25
Prepaid - Everyday Spend Card $5.00
Prepaid - Gift Card $3.00
Return Mail $5.00
Stale Dated Cashier's Check $10.00
Statement Copy $5.00
Wire Transfer (domestic) $15.00
Wire Transfer (international) $35.00
Written Authorization Transactions $5.00

Legal Fees

Description Amount
Garnishment $20.00
Tax Levy $20.00
Other Legal Process $20.00
I have been doing business with Wailuku Federal Credit Union for 11 years now. Walking into the branch feels like stepping into one of my family member’s home. I’m always greeted by a friendly face such as the team members Alyssa, Kellie, and Brandi just to name a few. Mahalo Wailuku FCU for treating me like family.
-Trina K.