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Certificates

What's a Certificate?

Receive higher rates than regular savings by depositing your money for set terms ranging from six months to sixty months. There are two types of Certificates* available to members:

  • Principal Plus Certificates allows you to reinvest all dividends earned, compounding your principal balance faster.
  • Dividend Access Certificates allows you to access all dividends earned without penalties. At the end of each month, dividends are automatically transferred to your Savings Account.

Certificate Features:

  • A minimum deposit of $500 allows you to open the certificate term of your choice.
  • Terms are 6, 12, 18, 24, 30, 36, and 60 months.

IRA Certificates are also available in 12, 24, 36, and 60 month terms.

*Certificates are subject to Lōkahi FCU penalties upon early withdrawal. Please see Lōkahi FCU Truth-in-Savings Disclosure for details.

How to Open a Certificate?

Card Control

Our Card Control app offers various tools to help protect your identity and finances.

Card Control Details
Skip-A-Pay

Navigate your way through life's surprises by taking advantage of our all-new Skip-A-Pay program

Program Details
Credit Cards

Our credit cards feature competitively low interest rates, no annual fee and no balance transfer or cash advance fees.

Credit Card Details
First Time Borrower Program

This program provides first time borrowers an opportunity to build their credit.

Program Details
Become a Member

We have three convenient ways to open an account today.

Join Us