Service Charges


“Service Charges” explains the service charges applicable to the savings (share), checking (share draft) and share certificate accounts we offer. We may offer other service charges or amend the service charges, from time to time. Each owner on an account agrees to the terms described and acknowledges that it is a part of the Member Service Agreement (MSA).

Service Charge
Regular Savings (balance falls below $50.00 during the month) $5.00 per month or $2.00 w/e-statement
Checking (no monthly minimum balance) Free
Money Market Savings (balance falls below $2,500 during the month) $5.00 per month
Paper Statement $5.00 per month or free with Aggregate Share Balance > $10,000.00
Returned Mail $5.00/item
Early Account Closure (if account closed within 13 months of opening) $25.00
Early Withdrawal – Christmas Account $5.00
Return Deposit/Loan Payment $10.00 each/$25.00 each
Automatic Transfer Savings to Checking $9.99 each
Items Returned for Insufficient Funds (NSF)* $29.00
Courtesy Pay Overdraft $29.00 each
Stop Payment (all items) $29.00 each
ACH Revocation $29.00 each
Dormant Account (after 12 months of no account activity) $5.00 per month
Western Union & Bank Wire (outgoing) Domestic $20.00 each
Foreign-Western Union (depending on amount) $30.00-$45.00 each
Foreign-Bank Wire (depending on corresponding bank fees) $50.00-$75.00 each
Bank Wire (incoming) Free
Levies, Garnishments, or Other Legal Process $100.00 per document
Copy of Check or Statement $2.00 each
Current Account History $2.00 each
Credit Union Cashier’s Check $3.00 each
Bill Payer Services Charge
Overnight Checks $14.95 per transaction
Same Day Bill Pay $9.95 per transaction
A2A Outbound $5.00 per transaction
A2A Inbound Free
Reconnect $5.00
Service Charge
Money Orders $3.00 each
Xerox Copies (at the branch) $2.00 each
Temporary Checks $5.00 per page
Travelers Cheques $2.00 per sale
ATM or Debit Card Replacement $10.00
Copy of Credit Union Documents $2.00 each
Coin Machine 4% of total deposit (1st $25.00 no fee)
Research or Account Reconciliation $30.00 per hour with a $10.00 minimum
Notary Services Free (members only)
Business Account Deposit Tapes $5.00 for missing tapes or errors (2 tapes required per deposit)
ATM Withdrawals/Balance Inquiries $1.00 each/$0.75 each
ATM Withdrawals (Locations: KFCU Kailua & Main Branches, Bank of Hawaii - Kailua, Kaneohe, Camp Smith, Shima's Market-Waimanalo, Aloha Gas-Kaneohe (next to Burger King), all BOH ATMs located in Safeway Stores, and Times Supermarket – Temple Valley Shopping Center Free
International Transaction Fee
This fee applies to any debit card transaction made at a location in a foreign country, or payable to a merchant located in a foreign country even if you initiate the transaction from within the United States.
1% of transaction amount
FAX Services - Incoming/Outgoing $2.00 per page
Loan Late Payment (minimum $5.00) 5% of required payment amount
Electronic Loan Payment $10.00 per transaction
Skip a Payment (1 time per year) for loans in good standing- Consumer and Non-Real Estate Loans $35.00
Visa Credit Card Refer to Visa Disclosures
Non-Member Fees Charge
Notary Services Standard Fees per Hawaii Revised Statue
On-Us Check Cashing $10.00 per check
Coin Machine 7.5% of total deposit

*An NSF Fee is assessed each time an item is presented against insufficient funds. The payee (or the payee’s institution) may re- present a previously returned item. Each presentment against in- sufficient funds will result in a separate Fee.