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A Local Credit Union That Cares

Rates and Fees


Fees Effective 1/1/2025

Share Draft (Checking)

Description Amount
Cleared Draft Copy (per item) $5.00
Courtesy Pay (per item) $25.00
Share Draft Order $25.00
Return Item Fee (per item) $25.00
Stop Payment of Share Draft (per item) $25.00

Debit/ATM Card

Description Amount
Debit/ATM Card - Replacement $10.00
Debit Card - Hot Card (Block) $10.00
Debit Card - Expedited Shipping $50.00

Electronic Funds Transfer

Description Amount
Return Item Fee $25.00
ACH Revocation $25.00
ACH Stop Payment $25.00

Legal Fees

Description Amount
Attorney Fees- HI Rev Stat § 607-14.7 (2012) Varies
Garnishment Processing (per order) $30.00
Levy Processing (per notice) $30.00
Other Legal Process $30.00

Service Fees

Description Amount
Abandoned Property (Escheat) Processing $50.00
Account Activity Verification Print Out $5.00
Account Early Closure Administration Fee
(if closed within 6 months of opening)
$25.00
Dormant Inactive Account (No activity for 12 months) $0
Account Reconciliation Research (per hour) $50/hr
Account Research (per hour) $50/hr
Account Maintenance Fee (accounts below $50) $10.00
Cashier's Check (to a third party) $3.00
Cashier's Check Photocopy $2.00
Cashier's Check Stop Payment $30.00
Deposit Item Return $0.00
Deposit Rolled Coins (More than 10 rolls) $0.50/roll
Insufficient Funds Fee $25.00
Notary (Member) FREE
Notary (Non-Member) $5.00
Photocopy Fee $2.00
Return Mail/Invalid Address $10.00
Stale Dated Cashier’s Check (Uncashed within 90 days) $30.00
Copy/Print out- Check, Statement $5.00
Wire Transfer - Domestic Incoming FREE
Wire Transfer - Domestic Outgoing $25.00
Written Authorization Transfers $5.00
Wire Transfer - Recall $25.00
Account-to-External Account Transfer (next day) FREE
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.