Personal Rates & Fees

Account Rates

Account Rates APY* - Effective as of 04/01/2014 -[1] SAVINGS & CHECKING
Regular Savings 0.10%
Regular Checking 0.05%
Holiday 0.20%
IRA (Traditional, Roth & Rollover) 0.50%
Coverdell Educational Savings (formerly Education IRA) 0.50%
Money Market Savings - $50,000 minimum to earn rate 0.20%
Second Savings 0.10%
Kala-Rewards CheckingAPY*
Balances Up to $50,000 w/ HELOC 0.50%
Balances Up to $50,000 w/o HELOC 0.25%
Balances Over $50,000 0.05%
Monthly Requirements Not Met 0.05%
CertificatesAPY*
6 Months Certificate 0.20%
12 Months Certificate 0.25%
18 Months Certificate 0.30%
24 Months Certificate 0.40%
36 Months Certificate 0.60%
48 Months Certificate 0.80%
60 Months Certificate 1.00%

Disclaimer:

ACCOUNT RATES DISCLOSURE:

[1] All rates & offers are effective as shown above unless noted, subject to change & other restrictions may apply.
[Personal Account] Membership ($100 in a regular savings) required. Contact an employee for more information about applicable fees & terms. *Accounts quoted as Annual Percentage Yield (APY) & require $100 minimum balance to earn rate unless noted. Holiday – $10 minimum to earn rate & account opening Oct. 1 to Jan. 31. IRA & Coverdell – $10 minimum to open; no minimum to earn rate. Second Savings – $10 minimum to open; no minimum to earn rate. Checking – $300 minimum to earn rate. Money Market Savings - $2,500 minimum balance to open; $10 monthly fee for Average Daily Balance below $2,500. KalaRewards – no minimum to earn rate; $10,000 minimum HELOC balance for highest rate; monthly requirements**: electronic statement, 10 check card transactions & 1 direct deposit / ACH. Certificates – $1,000 minimum & early withdrawal penalty may be imposed.
[Business Account] Membership ($100 in a regular savings) required. Contact an employee for more information about applicable fees & terms. *Accounts quoted as Annual Percentage Yield (APY) & require $100 minimum balance to earn rate unless noted. Checking – $300 minimum to avoid monthly fee and earn rate. KalaRewards Checking – no minimum to earn rate; monthly requirements**: electronic statement, 10 check card transactions & 1 direct deposit / ACH. Certificates – $1,000 minimum & early withdrawal penalty may be imposed.


 

 

LOGIN INSTRUCTIONS

Please type in your USERNAME and PASSWORD, then press "Enter" or click the "LOGIN" button.

FIRST TIME USERS: Please type in your account number and enter the same PASSWORD as your KalaTalk (Account Info by Phone), then press the "Enter" Key or click on the "LOGIN" button. You will be prompted to change your USERNAME using 6-20 alpha, numeric, and/or special characters.  You will also be prompted to change your PASSWORD using 6-32 alpha, numeric, and/or special characters.

EXISTING USERS: If you wish to change your current USERNAME and/or  PASSWORD, go to "My Profile" after logging in.  If  you should have any questions, please call us at 531-3711.

ATTENTION KALANET ONLINE USERS: Please be advised that KalaNet Online (home banking / mobile banking) will be conducting system maintenance and will be temporarily unavailable for member's use on Saturday, 05/03/14 from 6:30pm HST to 10:30pm HST.  Additional system maintenance will be performed every Saturday, from 7:00pm HST to 12:30am HST on Sunday.  As a result, ordering checks will be temporarily unavailable.  We apologize for any inconvenience this may cause. Thank you for your patience and understanding.

ATTENTION KALANET ONLINE BILL PAYMENT USERS:  Please be advised that KalaNet Online Bill Payment will be temporarily unavailable for member's use every Saturday, from 9:00 pm HST to 1:00 am HST on Sunday.   We apologize for any inconvenience this may cause. Thank you for your patience and understanding.

SUNSET OF CHECK WITHDRAWAL FEATURE:  Please be advised that the check withdrawal feature is no longer available via home banking. If you wish to have a check sent to you from your account, the following options are available:
   - Call our automated phone system, KalaTalk, at 808-847-5522 or toll-free at 877-847-5522
   - Call the credit union at 808-531-3711 or toll-free at 877-531-3711
   - Online Bill Payment Service (registration and checking account required for this service)