Personal Rates & Fees

Account Rates

Account Rates APY* - Effective as of 12/01/2016 -[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%
KalaRewards CheckingAPY* - Effective as of 12/01/2016 -[1]
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* - Effective as of 12/01/2016 -[1]
6 Months Certificate 0.20%
12 Months Certificate 0.35%
18 Months Certificate 0.40%
24 Months Certificate 0.50%
36 Months Certificate 1.00%
48 Months Certificate 1.15%
60 Months Certificate 1.25%

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 ($5 in a regular savings) required. Contact an employee for more information about applicable fees & terms. *Accounts quoted as Annual Percentage Yield (APY) & require $5 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 ($5 in a regular savings) required. Contact an employee for more information about applicable fees & terms. *Accounts quoted as Annual Percentage Yield (APY) & require $5 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.


 

 

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FIRST TIME USERS: Please click "New User? Enroll Here" and complete the registration form.

EXISTING USERS: If you wish to change your current USERNAME and/or  PASSWORD, go to "My Settings" after logging in.  If  you should have any questions, please call us at 808-531-3711 or toll-free at 877-531-3711.

ATTENTION KALANET ONLINE USERS: 

There will be system maintenance that will cause the following services to be temporarily unavailable on the following dates and times. Thank you for your patience and understanding.:
Online Check Ordering:
 - Every Saturday from 7:00pm HST to 12:30am HST on Sunday

Kalanet Online Bill Payment:
 - Every Saturday from 9:00pm HST to 2:00am HST on Sunday

KalaNet Online Bill Payment Holiday Mail Reminder:

Due to postal service delays during the holiday season, if your bill payment type is 'Check', please set your "send on" date at least 10 business days prior to the due date until January. Thank you.

ATTENTION MOBILE APP USERS - EyePrint ID
Please be advised that the EyePrint ID feature is no longer supported for the Samsung Galaxy Note 7, due to the recall of this model

Please also be advised that, due to a change made 
by Apple regarding the image format for the new models of iPhone, EyePrint ID is currently not compatible with Apple iPhone 7 and 7 Plus models. 

Therefore, end users with iPhone 7 and 7 Plus will be unable to enroll EyePrint ID on their device and will receive a message explaining that their mobile device is unsupported. We will let you know as soon as this issue has been resolved. Thank you.