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A Local Credit Union That Cares

Rates and Fees

Fees Effective 1/1/2022

Share Draft (Checking)

Description Amount
Cleared Draft Copy $2.00
Courtesy Pay $20.00
Overdraft Transfer (from Shares) $3.00
Share Draft Order Varies by design
Return Item Fee $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
Return Item Fee $20.00
ACH Revocation $20.00
ACH Stop Payment $20.00

Service Fees (Applicable to all accounts)

Description Amount
Abandoned Property Processing $30.00
Account Activity Printout $2.00
Account Closure
(if closed within 6 months of opening)
Account Reconciliation $30/hr
Account Research Fee $30/hr
Account Service (below minimum) $10.00
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 $2.00
Return Mail - 1st Occurrence $5.00
Return Mail - After 1st Occurrence $10.00
Stale Dated Cashier's Check $30.00
Statement Copy $5.00
Wire Transfer (domestic) $25.00
Written Authorization Transactions $5.00

Legal Fees

Description Amount
Garnishment $30.00
Tax Levy $30.00
Other Legal Process $30.00
I recently applied for a mortgage loan at Wailuku Federal Credit Union. The employees there were very helpful and knowledgeable and answered all of my questions. Without their help I would not have been able to purchase my home. I highly recommend seeing them for your financing needs.
-Lance B.