Dividends are calculated using the Daily Balance method and are paid monthly. Lōkahi FCU membership is required to open and maintain these accounts. An account closing fee will apply to any account closed within ninety (90) days of opening. Please refer to our Membership Agreement and Fee Schedule for complete details. Terms, conditions, and rates are subject to change after the account is opened. Some restrictions may apply.
In order to receive the higher dividend rate, all monthly qualification requirements must be met. If the qualification requirements are not met for a given month, the account will earn dividends at the non-qualified rate and corresponding APY for that dividend period. You will not earn any dividend if your account is not in good standing.
If the account is closed before dividends are credited, accrued dividends will not be paid. Fees may reduce earnings on the account.
Open a Cash+, Rate+, or Kūpuna Checking account and receive a special gift—while supplies last!
Choose between a custom-designed ALOHA Collection RVS Tote or a Slowtide Quick-Dry Beach Towel, each featuring exclusive Lōkahi FCU designs crafted by our Marketing Team. To qualify, simply open one of the eligible checking accounts and ensure you receive at least one direct deposit to your account each month.
Limit one gift per member. To qualify, you must open a new Lōkahi FCU Cash+, Rate+, or Kūpuna Checking account and have at least one direct deposit settle to the account. For Cash+ and Rate+ accounts, enrollment in eStatements is also required. The gift—either an ALOHA Collection RVS Tote or a Slowtide Quick-Dry Beach Towel—will be awarded after the first qualifying direct deposit is received. Item selection is subject to availability and may vary. Gifts are available for pickup in-branch only. Offer available while supplies last. Terms and conditions apply. Lōkahi FCU is not affiliated with ALOHA Collection or Slowtide.
ALOHA Collection® and Slowtide® are registered trademarks of their respective owners.
I’m 61 and my birthday is in two weeks. Can I open a Kūpuna Checking now?
Almost there! You’ll be eligible to open a Kūpuna Checking as soon as you turn 62. In the meantime, we offer other accounts that may suite your needs.
Can I open both a Kūpuna Checking and a Rate+ or Cash+ Checking Account?
We’re glad you’re interested in our rewards accounts! Members are limited to one rewards checking account, so you’ll need to choose either Rate+, Cash+, or Kūpuna Checking.
Can I open both a Kūpuna Checking and a Rate+ or Cash+ Checking Account?
We’re glad you’re interested in our rewards accounts! Members are limited to one rewards checking account, so you’ll need to choose either Rate+, Cash+, or Kūpuna Checking.
Can I have more than one checking account?
Yes! Members may open multiple checking accounts. However, reward checking accounts are limited to one per member. For example, you may have a Standard Checking and a Cash+ Checking, but not a have Rate+, Cash+, or Kūpuna Checking open at the same time.
What counts as a Direct Deposit?
Direct Deposits include recurring electronic payments from employers, government agencies, or other sources that deposit directly into your account.
Do Direct Deposits need to go into my checking account to count toward monthly qualifications?
Yes. To qualify, the Direct Deposit must go into your Cash+ account to count towards your qualifications to earn cash back.
What happens if I don’t meet the qualifications to earn the higher dividends?
No worries—you’ll still earn dividends, just at our standard rate for that month. And the great thing is, you can always qualify again next month!
Can I get more than one box of free checks per year?
The free checks benefit covers one box per year, but if you need more, you can always purchase additional boxes.
How do I order more checks?
The free checks benefit covers one box per year, but if you need more, you can always purchase additional boxes.
If I open more than one checking account, can I receive more than one premium gift?
We appreciate your enthusiasm! To ensure fairness, we limit premium gifts to one per member. If you have questions about available gifts, feel free to reach out.
When does the premium gift promotion end?
The promotion will continue while supplies last. Please contact us to check availability of your preferred gift item.
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