Services

Online Banking

Members of Molokai Community Federal Credit Union can access their accounts anytime, anywhere! Online banking through the website can be used to:

  • Account authentication security

  • Transfers between accounts

  • Loan payment or schedule a loan payment for a future date

  • Current balances and account history inquiries

  • View & print images of your cleared checks

  • Management of account distributions

  • Management of account address or phone number

  • Enroll in online banking today

Mobile Banking

Members of Molokai Community Federal Credit Union can access their accounts anytime, anywhere! The mobile banking app can be used to:

  • Balance inquiries

  • Remote Deposit Capture – check deposit by picture

  • Transaction history

  • Funds transfers

  • Bill payer

  • Find a branch, business hours, ATMs, holiday schedule

  • Rates

  • Credit Score

  • Contact us

Remote Deposit Capture (for Mobile App)

How To: 

  1. Open mobile app (Molokai Community FCU mobile)

  2. Sign back of check and write the verbiage - “For Mobile Deposit at Molokai Community FCU”

  3. Select “deposit” at bottom of screen

  4. Select “deposit a check”

  5. Select account for deposit

  6. Enter Check amount

  7. Take photos (back & front of check)

  8. Ensure check is focused within the picture border on screen

Direct Deposit

Direct deposit is the electronic transfer of funds from your employer, Social Security or Pension Funds directly into your savings or checking account. Once in your account, you may authorize the automatic distribution of funds between accounts or to your loans. Many other types of payments can also be automatically and electronically sent to your accounts here. Payment types include and are not limited to:

  • Social Security

  • Annuities

  • Dividends & Interest Payments

  • Pensions

  • Bonuses & Commissions

  • Reimbursements

Benefits of Direct Deposit:

  • It’s Convenient – the funds are deposited to your account on payday and are available immediately. No check holds to worry about

  • It’s Safe – no lost or stolen paychecks to worry about

  • It’s Easy – just complete the deposit form, give it to your employer or the company providing you with the payment, and your funds should be directly deposited quickly and safely

Debt Protection

Help play it safe! Thinking about taking out a loan? It can be a financial gamble because…life happens. Molokai Community Federal Credit Union's Debt Protection is a voluntary loan-payment protection product that helps preserve your family’s standard of living.

Ask about protecting your loans today!

Your purchase of Molokai Community Federal Credit Union’s Debt Protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Member Agreement for a full explanation of the terms of the Molokai Community Federal Credit Union Debt Protection. You may cancel the protection at any time. If you cancel protection within 30 days you will receive a full refund of any fee paid.

DPGAP-0813-3328, © CUNA Mutual Group 2014, All Rights Reserved

TruStage Insurance

TruStage™ Life Insurance Plans

Exclusively for credit union members, we offer TruStage Life Insurance Policies to help you protect the people who matter most in your life. Underwritten by CMFG Life Insurance Company, these plans are designed to fit your budget and provide excellent coverage. Learn about this important coverage or call 1 (855) 612-7909 for more information.

TruStage™ Life Insurance is offered by TruStage Insurance Agency, LLC, and issued by CMFG Life Insurance Company. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.

TruStage™ Auto & Home Insurance Program

Exclusively for credit union members like you, the TruStage Auto & Home Insurance Program provides affordable top-quality protection. You could enjoy discounted rates combined with online convenience and 24/7 claims service. Get your free quote today or call 1 (855) 483-2149.

TruStage™ Auto and Home Insurance program is offered by TruStage Insurance Agency, LLC, and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.

Accidental Death & Dismemberment Insurance

One of the nice benefits of credit union membership is a no-cost TruStage Accidental Death and Dismemberment (AD&D) insurance policy from CMFG Life Insurance Company. AD&D coverage pays you or your loved ones a cash benefit after an accident results in a covered injury or loss of life due to an accident. You can get $2000 of coverage, paid for by your credit union, and provided by CMFG Life Insurance Company. You can also get up to an additional $300,000 in AD&D coverage from CMFG Life at affordable rates. Sign up for your no-cost or additional protection today.

TruStage™ AD&D Insurance is offered by TruStage Insurance Agency, LLC, and underwritten by CMFG Life Insurance Company. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.

Discounted Insurance from Farmers Insurance Hawaii

Hurricane Coverage in Hawaii
Every Islander knows a hurricane can blow through and leave devastation in its wake. But there’s no reason your finances have to suffer for it — if you have insurance created specifically for hurricane damage.

Remember
Standard homeowner’s insurance doesn’t cover the damage that a hurricane’s brutally high winds and flooding can cause.

But you have options:

  • Hurricane insurance can help you with the costs of repairing the wreckage caused to your home and belongings by a hurricane’s gale winds

  • Flood insurance does the same for damage caused by the storm surge, rising waters and flooding that a cyclonic deluge can bring

We can help
To help you line up the hurricane coverage you want, Hawaii’s credit unions are working with Farmers® Hawaii to provide credit union members with special rates and priority service. It’s the kind of local, personal, hands-on care that Hawaii is known for – and you deserve.

If you purchase hurricane and/or flood insurance through Hawaii Insurance Consultants, a sister company of Farmers® Hawaii, you’ll receive a discount on your Farmers Hawaii auto insurance policy. If you don’t already have a Farmers Hawaii auto insurance policy, call our dedicated credit union line today at 1 (800) 515-1023. Others who switched saved an average of $435* on auto insurance.

Find out more:

Farmers Hawaii has been the choice of many island residents since 1955.

*Average savings from information provided by new policyholders from 11/01/20 to 11/01/21 that shows that they saved by switching to Farmers Insurance Hawaii.
Auto Insurance is underwritten by 21st Century Centennial Insurance Company. Hurricane and Flood insurance placed through Hawaii Insurance Consultants, Ltd.

Fees & Disclosures

“Our Rates & Service Charges” explains current terms, rates, and service charges applicable to the share, share draft, and share certificate accounts we offer. We may offer other rates and require other service charges or amend the rates and service charges, as explained in this disclosure, from time to time. Each owner of an account agrees to the terms described in this disclosure and acknowledges that it is a part of the Member Service Agreement (MSA).

Safety & Soundness

Credit unions primarily engage in consumer loans and residential real estate lending to their members. Credit union performance is at a historically high level. Currently, credit union capital nationwide is above what is required and the equity ratio of the federal insurance fund, the National Credit Union Share Insurance Fund (NCUSIF), has continued to operate in a safe and sound manner.

Regulation & Supervision

Molokai Community Federal Credit Union was chartered under federal law. Federally chartered credit unions are regulated by the National Credit Union Administration (NCUA), an independent agency of the U.S. Government. Cue’s three board members are nominated by the President and confirmed by the Senate. State-chartered credit unions are regulated by their state credit union department. NCUA administers the federal insurance fund, NCUSIF, which covers all federal credit unions, and most state-chartered credit unions. No taxpayer money is used for regulating and overseeing federal credit unions, as all activities of NCUA and the NCUSIF are funded by credit unions.

For the PDF documents and forms below please contact a representative at the branch.

  • Overdraft Protection Form

  • Overdraft Protection Information

  • Important Information About Changes to Deposit Account Contracts

  • Bill Pay Sign-Up Instructions Form