HRS §412:10-306
Naming a co-owner for your account
A credit union member can add another person as a co-owner of a share or deposit account, with rights like joint tenancy or tenancy in common. But a co-owner who is not also a member cannot vote, get loans, hold office, or pay a membership fee.
The statute, as written — Joint accounts
A member may designate any person or persons to own a share or deposit account with the member in joint tenancy with the right of survivorship, as a tenant in common or under any other form of joint ownership permitted by law, but no co-owner, unless a member in the co-owner's own right, shall be permitted to vote, obtain loans, or hold office or be required to pay a membership fee.
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