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Yes, your money is safe and insured by the National Credit Union Share Insurance Fund (NCUSIF) managed by National Credit Union Administration (NCUA). NCUA will insure depositors up to $250,000 per member for single ownership and an additional $250,000 for joint ownership. Retirement accounts are insured separately and up to $250,000. There is no application, your funds are automatically backed by the full faith and credit of the US Government. Visit NCUA.gov for more information and to see how you can title your accounts to protect your deposits

The major difference between a credit union and a bank is how it was formed and their purpose. Credit unions are formed by a group of members for the sole benefit of their membership. Banks are formed by shareholders for the sole benefit of making a profit. The member-owned cooperative model by credit unions allow the profits to go back to the members in higher dividends and lower loan rates. Banks must report to their shareholders who expect positive return first, before returning money back into the institution. Typically, Credit Union’s fees and products are delivered at a lower cost and higher returns.

All Oahu (Honoulu County) and Maui County residents, their immediate relatives and those who work or worship in those two counties are eligible for membership.