Molokai Community Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.molokaicommunityfcu.com

808-553-5328

135 Puali Place
Kaunakakai, HI 96748

Molokai Community Federal Credit Union is headquartered in Kaunakakai and is the 34^th largest credit union in the state of Hawaii. It is also the 2,725^th largest credit union in the nation. It was established in 1951 and as of March of 2025, it had grown to 8 employees and 4,386 members at 2 locations. Molokai Community Federal Credit Union's CD rates are 67% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Molokai Community Federal Credit Union is open to those who live, work, worship, or attend school on the Island of Molokai, Hawaii.
See current membership details

Reviews

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Health

B+

Data as of Q1 2025

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Molokai Community Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	7471
Year Chartered	1951
Employees	8
Primary Regulator

Profit Margin
Return on Assets - YTD	3.28%
Return on Equity - YTD	19.54%
Annual Interest Income	$394K

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$36.5MM$37MM
Loans	Q1 2025vs Q1 2024	$16.5MM$17.6MM
Deposits	Q1 2025vs Q1 2024	$29.7MM$30.3MM
Equity Capital	Q1 2025vs Q1 2024	$6.1MM$5.3MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$401K$459K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$89K$193K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
CD
IRA

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Molokai Community Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	$100	-	Regular Share
0.10%	$25	-	Christmas Club

Molokai Community Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.00%	$500	-	5 Year Share Certificate
3.00%	$500	-	4 Year Share Certificate
2.50%	$500	-	3 Year Share Certificate
2.00%	$500	-	2 Year Share Certificate
1.50%	$500	-	1 Year Share Certificate
1.00%	$500	-	6 Month Share Certificate

Molokai Community Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%	$25	-	Traditional IRA
0.50%	$25	-	Roth IRA

Locations

Molokai Community Federal Credit Union Locations
Branch Office	135 Puali Place	Kaunakakai, HI 96748
Branch Office	69-L Puupeelua Ave	Hoolehua, HI 96729

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