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Last Updated: 04/18/2025

Ko’olau FCU Kids Club Account

in Savings Accounts from Ko’olau Federal Credit Union

Last Updated: 04/18/2025

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Highlights

APY (Annual Percentage Yield)

0.050%(Verified 07/23/2024)

Minimum Opening Deposit

$25

Minimum Balance to Earn APY

$100

Ko’olau FCU Kids Club Account Review

Ko’olau FCU Kids Club Account is offered by Ko’olau Federal Credit Union, a credit union founded in 1953 and based in Kailua, HI. Ko’olau FCU Kids Club Account are available in 50 states, 5 US territories, and Washington, DC.

Key Takeaways

Low interest rate. The maximum annual percentage yield for this account is only 0.050%.
No monthly maintenance fees. This account does not charge any monthly account fees.

Ko’olau FCU Kids Club Account Pros & Cons

Pros

Cons

Available in 50 states, 5 U.S. territories and Washington, DC.
Dividend-yielding account.
Insured by NCUA.
Access to physical branches.
Debit card and the option to lock/unlock the card if lost or stolen
Access to a nationwide network of ATMs.
No charge on incoming domestic or international wire transfers.

Does not offer mobile check deposits.
No signup bonus.

Ko’olau FCU Kids Club Account FAQ

Are savings accounts from Ko’olau Federal Credit Union federally insured?

Yes, your savings accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.

Does Ko’olau Federal Credit Union offer a signup bonus?

Ko’olau FCU Kids Club Account doesn't offer a signup bonus.

What is the minimum initial deposit for Ko’olau FCU Kids Club Account?

The minimum deposit to open a Ko’olau FCU Kids Club Account is $25.00.

Ko’olau FCU Kids Club Account Minimums

Description

Minimum Average Balance to Avoid Monthly Service Fee

$0.00

Minimum Balance to Earn APY

$100.00

Minimum Opening Deposit

$25.00

What APY does Ko’olau FCU Kids Club Account offer?

Ko’olau FCU Kids Club Account offers an APY of 0.050% (APY stands for annual percentage yield, rates may change).

The interest rate on a savings account or checking account can change based, in part, on what the Federal Reserve does. Note that the APY of a savings account is the amount of interest you will earn if you keep your money in the account for a full year expressed as a percentage. The difference between an APY and an interest rate is that the APY takes into account how often your money earns interest (or compounds). The more often your money compounds, the more it will earn. Savings accounts with an interest rate that compounds daily, for example, will earn a higher return (and therefore a higher APY) than savings accounts that compound annually.

What fees does Ko’olau FCU Kids Club Account charge?

Ko’olau FCU Kids Club Account does not charge a monthly service fee. See the fee breakdown section below to view all fees.

Outgoing domestic bank transfers come with a $20.00 fee.
Outgoing international bank transfers come with a $50.00 fee. You can save a ton of money in fees if you use use a nonbank money transfer service.
Ko’olau FCU Kids Club Account charges a $25.00 fee for an early account closure. Contact Ko’olau FCU Kids Club Account for more details on what is considered an early closure.
An overdraft on your account will trigger a $29.00 fee per item.
Ko’olau FCU Kids Club Account charges $5.00 every time you request a paper statement.

Does Ko’olau FCU Kids Club Account charge overdraft fees?

Yes, Ko’olau FCU Kids Club Account charges a $29.00 overdraft fee.

What features and perks does Ko’olau FCU Kids Club Account offer?

This savings account includes the following features:

Mobile Banking Services - Ko’olau FCU Kids Club Account allows you to manage your money online or with a mobile app.
Nationwide ATM network - Conveniently transact at a nearby ATM.

Can you set up a direct deposit to Ko’olau FCU Kids Club Account?

Yes, you can typically set up a direct deposit to this account. However, it depends on the direct deposit program your employer uses. Most direct deposit programs allow you to send your paycheck to a savings or checking account. In some cases, you can even split your paycheck between the two.

What is the customer support email for Ko’olau FCU Kids Club Account?

The customer support email for Ko’olau FCU Kids Club Account is info@koolaufcu.org.

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Contact

Headquarters

151 Hekili St

Suite 101

Kailua, HI 96734

(808) 262-1239

Visit Site

Email Support

Hours of Operation

Sunday

Closed

Monday

9:00AM - 5:00PM

Tuesday

9:00AM - 5:00PM

Wednesday

9:00AM - 5:00PM

Thursday

10:00AM - 5:00PM

Friday

9:00AM - 6:00PM

Saturday

Closed

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SuperMoney Net Recommendation Score

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-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.