Savings and Checking

Effective as of 1/1/20191

APY*

Regular Savings

0.10%​

Regular Checking

$300 minimum to earn rate.

0.05%​

Holiday Savings

$10 minimum to earn rate.

0.60%​

IRA (Traditional, Roth & Rollover)

$10 minimum to open; no minimum to earn rate.

0.50%​

Coverdell Educational Savings (formerly Education IRA)

$10 minimum to open; no minimum to earn rate.

0.50%​

Money Market Savings - $50,000 minimum to earn rate

$2,500 minimum balance to open; $10 monthly fee for Average Daily Balance below $2,500.

0.40%​

Money Market Savings - $100,000 minimum to earn rate

$2,500 minimum balance to open; $10 monthly fee for Average Daily Balance below $2,500.

0.60%​

Second Savings

$10 minimum to open; no minimum to earn rate.

0.10%​

KalaRewards Checking

Effective as of 1/1/20191

APY*

Balances Up to $50,000 w/ an Aloha Pacific FCU HELOC

No minimum to earn rate; $10,000 minimum APFCU HELOC balance for highest rate; monthly requirements**: electronic statement, 10 check card transactions & 1 direct deposit / ACH.

0.50%​

Balances Up to $50,000 w/o an Aloha Pacific FCU HELOC

No minimum to earn rate; $10,000 minimum APFCU HELOC balance for highest rate; monthly requirements**: electronic statement, 10 check card transactions & 1 direct deposit / ACH.

0.25%​

Balances Over $50,000

No minimum to earn rate; $10,000 minimum APFCU HELOC balance for highest rate; monthly requirements**: electronic statement, 10 check card transactions & 1 direct deposit / ACH.

0.05%​

Monthly Requirements Not Met

No minimum to earn rate; $10,000 minimum APFCU HELOC balance for highest rate; monthly requirements**: electronic statement, 10 check card transactions & 1 direct deposit / ACH.

0.05%​

Certificates

Earn more money by investing a lump sum for a select period of time.

Effective as of 1/1/20191

APY*

15-month New Year Certificate Special

*2.40% Annual Percentage Yield (APY) Certificate offer valid from 1/1/19 and can be modified or canceled at any time. Must be opened at an APFCU or a Division of APFCU branch. Limit: one Certificate per primary member of APFCU or a Division of APFCU. Membership ($5 in regular savings), new Checking account opened on or after 9/1/18 with minimum balance of $100 and direct deposit required. Without a new Checking account and direct deposit, 2.20% APY Certificate will be offered. Must be new funds, deposited from a financial institution other than APFCU or a Division of APFCU. $1,000 minimum and penalty for early withdrawal. Other restrictions may apply. See branch for details.

2.40%​

6-month Certificate

$1,000 minimum & early withdrawal penalty may be imposed.

1.00%​

12-month Certificate

$1,000 minimum & early withdrawal penalty may be imposed.

1.30%​

18-month Certificate

$1,000 minimum & early withdrawal penalty may be imposed.

1.30%​

24-month Certificate

$1,000 minimum & early withdrawal penalty may be imposed.

1.50%​

36-month Certificate

$1,000 minimum & early withdrawal penalty may be imposed.

1.75%​

48-month Certificate

$1,000 minimum & early withdrawal penalty may be imposed.

2.00%​

60-month Certificate

$1,000 minimum & early withdrawal penalty may be imposed.

2.25%​

Personal Fee Schedule

The rates, fees, and forms applicable to your account at the credit union are provided in this Rate & Fee Schedule. The credit union may offer other rates for those accounts from time to time.

ACCOUNT RATES DISCLOSURE:

[1] All rates & offers are effective as shown above unless noted, subject to change & other restrictions may apply.
[Personal Account] Membership ($5 in a regular savings) required. See branch for more information about applicable fees & terms.
*Accounts quoted as Annual Percentage Yield (APY) & require $5 minimum balance to earn rate unless noted.