Skip to main content
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
Overdraft Transfer (from Shares) $3.00
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 - 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
$3.00
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 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.