Aloha Advantage Rate Checking

Earn 2.75% APY on balances up to $10,000.

0.05% APY if monthly requirements aren't met. See current rates. APY = Annual Percentage Yield

  • If you use any non-APFCU ATM, we’ll refund your withdrawal fees
  • ATM Surcharge Rebates, up to $20 monthly††
  • Minimum opening deposit: $100.00
  • No minimum balance

Boost your savings! When you meet the monthly requirements, you’re eligible to earn a higher interest rate on your Aloha Rewards Money Market savings account.

With any Aloha Rewards Checking account, you’ll always get these FREE benefits:
  • No monthly service fee
  • No minimum balance
  • FREE cash withdrawals at Aloha Pacific Federal Credit Union ATMs
  • SURCHARGE-FREE ATM withdrawals at First Hawaiian Bank, American Savings Bank, Hawaii National Bank, and CO-OP network credit unions
  • FREE Visa® debit card – receive yours in just minutes at a branch
  • FREE Debit Card Control – turn your card off or on, set up alerts
  • FREE Online banking & online bill payment service
  • FREE Mobile banking* with Mobile Check Deposit
  • FREE Text-message banking*
  • FREE banking by phone
  • FREE standard personal checks (one box per year)
  • Unlimited check writing
  • No teller fees
  • No annual fee Overdraft Protection from Savings
  • No annual fee Overdraft Line of Credit (subject to credit approval)
Maximize your Rewards when you satisfy these monthly requirements
  1. Use your debit card to make at least 12 purchases
  2. Enroll in a monthly recurring direct deposit** or ACH bill payment
  3. Enroll in Online eStatements
  4. Log in to Online or Mobile Banking at least once each month†††

All these requirements are waived for the first three months when you open your new account!


Compare Checking Accounts

Membership ($5 in Regular Savings) required for service. An account closing fee will be assessed for any and all accounts that are closed within six months after enrollment. Refer to Agreements & Disclosures and Rate & Fee schedule. Terms, conditions and rates subject to change after the account is opened. Some restrictions apply. See branch for details.
* Standard data/text usage fees apply; contact your carrier for details.
† The first 5 non-APFCU ATM withdrawal fees each month are waived. After that there is a charge of $1 per withdrawal. If monthly requirements are met, you will receive a refund on all $1 withdrawal fees. Refunds will be credited at the end of each month.
†† ATM surcharge fees are additional fees imposed by the ATM owner, and are usually charged at the time of withdrawal. If monthly requirements are met, surcharge fees incurred up to $20 per month will be rebated at the end of each month.
††† Must log in at least 2 days before the end of the month.