Dividends are calculated using the Daily Balance method and paid monthly. Lōkahi FCU membership is required to open and maintain a Rate+ Checking account. An account closing fee applies 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 account opening. Some restrictions may apply.
To receive the enhanced dividend rate, all monthly qualification requirements must be met. The monthly qualification cycle is defined as the monthly statement cycle, which runs from the 1st of the month through the last day of the month, based on Hawaii Standard Time (HST). If qualifications are met, the enhanced dividend rate will be applied to balances up to the stated maximum for that cycle. Only debit card purchases that have fully posted and settled — meaning they are no longer pending — during the qualification cycle will count toward meeting the requirements. Transactions must be posted and settled by 11:59 p.m. HST on the last day of the month to be eligible. Please note that merchant processing delays may affect when transactions post and settle, which may impact qualification.
If the qualification requirements are not met for a given month, the account will earn the standard dividend rate for that period. Enhanced dividends will not be earned in the month the account is closed or if the 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.
It depends. The transaction has to post and settle by the end of the month to count. Since some merchants—like Amazon—don’t process payments right away, we recommend making your qualifying purchases a few days earlier just to be safe.
Direct Deposits include recurring electronic payments from employers, government agencies, or other sources that deposit directly into your account.
Yes. To qualify, the Direct Deposit must go into your Cash+ account to count towards your qualifications to earn cash back.
Yes. If you've already met all the monthly qualifications at the time you change your checking account type, you'll automatically receive the higher cash back for that month. No further action needed.
For example, if you switch to Cash+ Checking on the 20th of the month and have already:
you'll qualify for cash back for that month.
We appreciate your engagement with our rewards programs! If you switch between reward checking accounts during the month, you’ll receive the reward for the account you’re switching to. This means the reward from your previous account will no longer apply, even if you met its qualifications earlier in the month.
For example, let's say you start the month with a Cash+ Checking account and meet all the qualifications by the 15th. On the 20th, you switch to Rate+ Checking. Even though you qualified for cash back under Cash+ Checking earlier in the month, you'll receive the higher dividend rate of Rate+ Checking for that month. The cash back for Cash+ Check will not be paid out under this scenario.
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!
If you need more than 20 checks annually, you’re welcome to purchase a standard box of checks.
You can order checks through online banking, by calling us at 808.423.1391, or by visiting a branch.
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.
The promotion will continue while supplies last. Please contact us to check availability of your preferred gift item.
Our Card Control app offers various tools to help protect your identity and finances.
Card Control Details
Navigate your way through life's surprises by taking advantage of our all-new Skip-A-Pay program
Program Details
Our credit cards feature competitively low interest rates, no annual fee and no balance transfer or cash advance fees.
Credit Card Details
This program provides first time borrowers an opportunity to build their credit.
Program Details
We have three convenient ways to open an account today.
Join Us
