January 2013
In This Issue
Linja Regular
+30 tracking
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What Makes Hawaii Federal
Credit Union a Smart
Financial Choice?
Hawaii Federal Credit Union
Members Save Big with
the Sprint Credit Union
Member Discount
Do We Have Your Most
Current Information?
Your Feedback is Important
in Upcoming Member Survey
Nominations for The Board
of Directors
What Makes Hawaii Federal Credit Union
a Smart Financial Choice?
Choices. Life is full of them, and the right choices make all the difference in the world. Your decision
to select Hawaii FCU as your financial institution is a smart choice that can put you on the right
financial track for the rest of your life.
We know there are a number of banks and other credit unions all vying for your business. And
since we live on an island, the competition is especially great. But here’s what makes Hawaii FCU
different from the rest and the perfect choice for you:
WE ARE a “not-for-profit” credit union, not a bank
Although both credit unions and banks accept deposits and make loans, there are important
differences. Hawaii FCU is a “not-for-profit” financial cooperative and our primary goal is to
serve our members, not to maximize profits and provide a return to stockholders as a bank is
obligated to do.
Holiday Schedule
As a result, our members benefit from higher returns on savings, lower rates on loans and fewer
fees. We do preserve a narrow margin of “profit” to maintain operations, keep up with inflation,
and help us develop new products and services. But our overriding priority is to serve the financial
needs of our members.
President’s Day
Monday, February 18, 2013
Our philosophy is “People Helping People”
The second big difference between Hawaii FCU and banks is how we loan money. While banks
may rely on outside capital to fund loans, we are guided by the credit union philosophy of
“People Helping People,” pooling our members’ savings deposits to finance our loan portfolios.
( C o n t i n u e d ON page 3)
Martin Luther King Jr. Day
Monday, January 21, 2013
President’s Message
Happy New Year! We accomplished a lot
last year and are hitting the ground
running in 2013. I am very excited about
some of the projects we are working on
and I can’t wait to share them with you.
One project that I am excited about
is our member survey. It has been
several years since our last member
survey and it is important for us to
get feedback from our membership.
We are interested in knowing what
we’re doing right and also where we’re
falling a little short of your expectations.
Equally important is what products and
services you use and the products we
need to consider. Constructive feedback
allows us to become a better credit
union. If you receive a survey please take
the 5-10 minutes to complete and return
it. All responses are entirely anonymous.
If you have comments, questions, or concerns — you can call me at 808-441-4201
or email me at [email protected]
Mahalo!
C indy G eiling
President/CEO
Hawaii Federal Credit Union
Members Save Big with the
Sprint Credit Union Member Discount
Tired of paying too much for your cell bill? We don’t blame you. So we’re helping you save
with the Sprint Credit Union Member Discount from Invest in America. As a Hawaii Federal
Credit Union member, you can save on your monthly wireless bills — plus have your activation and upgrade fees waived.
Our members can save
3 Ways to Get Your Discount
• 10% off select personal Sprint plans
• Waived activation fee on new activations
• Call 877.SAVE.4CU (877.728.3428) and let
them know you’re a Hawaii FCU member.
Ask to be a part of the NACUC_ZZM
Corporate ID to save
• Waived upgrade fee
• Click LoveMyCreditUnion.org/Sprint
• Available to new and existing Sprint
customers
• Visit your nearest Sprint store
• 15% off select business Sprint plans
Consider the Sprint Credit Union Member
Discount one of the many perks for being a
member!
Stop paying too much for your wireless services, start saving with the Sprint Credit Union
Member Discount today.
Do We Have Your Most Current Information?
If you have recently moved or plan to do so in the near future, don’t forget to update your
address and phone number with the credit union. Doing so ensures that we will be able to
continue to get your statements and other important account information to you. You will
also be helping the credit union by reducing the costs of additional postage and handling.
Updating your account information is easy and can be accomplished in any one of three
ways: 1) Stop by our Main office and have a Member Services Specialist assist you; 2) Call us
at 847-1371, Option 3 to request a change of address form; or 3) Fax your new information
with your signature to 441-4272.
Keep informed about all the great benefits and money-saving opportunities Hawaii FCU
has for you. Make sure your information with us is always current, and help us stay in touch
with you.
( C o n t i n u e d from page 1)
What Makes Hawaii Federal
Credit Union a Smart Financial Choice?
This approach to lending enables our members to create opportunities within the membership
to purchase family homes, educate children, fund a comfortable retirement, and much more.
In this way, as members of Hawaii FCU, we help each other achieve life’s biggest dreams.
You have a voice in our operations
The third way we differ from banks is that we provide each of our members with an ownership opportunity in our credit union with the right to democratically participate in its operation. Each member, regardless of the size of his or her credit union account, may run for the
volunteer board of directors and cast a vote in annual elections.
This provides our members with a unique voice in the operation of our credit union. We
also survey our membership from time to time to obtain feedback on how well we are serving your needs. In addition, we are always open to hearing from our members regarding
improvements to our products and services.
A credit union focused on YOU
In addition to going beyond local banks to serve you better, Hawaii FCU also prides itself on
being more member-focused among our credit union competitors. Despite the challenging
economy, we have remained true to the roots of the credit union movement by being more
flexible in our lending practices, providing more families with much-needed funds.
And while other credit unions direct their attention to ever-expanding operations, Hawaii
FCU chooses to concentrate on its membership. We’re content to keep our focus on YOU and
our goal of delivering money-saving products and services to meet your needs and enhance
your life! As we move into 2013 and the future, we extend our warmest mahalo to you for
choosing Hawaii FCU!
Your Feedback is
Important in Upcoming
Member Survey
Hawaii Federal Credit Union is continuously looking for ways to efficiently and
effectively serve our members, and to
ensure that we are providing products
and services that make a meaningful
difference to you and your family. In
late February or early March, we will be
mailing surveys to randomly selected
members who will be asked to help us
in this process.
Tell us what you like best about Hawaii
FCU, what could use improvement,
what product(s) you use and your overall satisfaction with Hawaii FCU. If you
receive one of these surveys, please
know that you are among a select
number chosen to represent the entire
membership.Therefore, it is important
for you to complete and return your
survey. Mahalo for your assistance as we
develop an even better and stronger
future for Hawaii FCU!
As members of
Hawaii FCU, we help
each other achieve
life’s biggest dreams.
We have remained true to
the roots of the credit union
movement by being more
flexible in our lending practices,
providing more families with
much-needed funds.
Nominations For The Board of Directors
The Nominations Committee announces the
following for the Board of Directors:
Roy Osada – Incumbent for an additional
term of 3 years and currently holding the
position of Chairman. Roy has been a volunteer with the credit union movement since
1970 and a member of the credit union
since 1969.
Reggie Desilva – Incumbent for an addi-
tional term of 3 years and currently holding
the position of 2nd Vice Chairman. Reggie
has been a volunteer with the credit union
movement since 1972 and a member of the
credit union since 1971.
Join the Hawaii Federal Credit Union ohana
at the 2013 Annual Meeting, which will be
held on Saturday, March 16 at 9:30 a.m. at
the credit union.
Cindy Geiling – Incumbent for an addi-
Enjoy a Continental breakfast with us and
meet your Board of Directors and Management Team. In addition, you will have a
chance to win some fabulous door prizes.
tional term of 3 years and currently holding
the position of Board Treasurer. Cindy is the
President and CEO of Hawaii Federal Credit
Union and has been in the credit union
movement since 1976.
Location & Hours
Main office
1244 Kaumualii Street
Honolulu, HI 96817
Walk-Up Window
Monday – Friday
7:30 am to 9:00 am
Lobby Hours
MonDay – Thursday
9:00 am to 5:00 pm
Friday
9:00 am to 5:30 pm
Saturday
9:00 am to 12:00 pm
Rates & Products
SAVINGS PROGRAMS
RATE
APY*
Regular / IRA /
Escrow / Christmas
(Paid Quarterly)
$100.00 - $499.99
$500.00 & Over
.15%
.15%
.15%
.15%
.15%
.15%
Kid’s Club
(Paid Quarterly)
$5.00 & Over
No Fee Checking
.15%
.15%
PMA MONEY MARKET
www.hawaiifcu.org
Telephone
808-847-1371
Toll-Free
1-800-433-8698
Fax
808-842-1923
Personal Access Line (PAL)
808-942-3707
0.20%
0.30%
0.40%
0.55%
0.75%
0.20%
0.30%
0.40%
0.55%
0.75%
0.40%
0.55%
0.75%
0.90%
0.40%
0.55%
0.75%
0.90%
IRA CERTIFICATES
(Paid Quarterly)
9 Months
12 Months
18 Months
30 Months 2.99%
Used Auto Loans
(terms up to 6 yrs.)
Starting at
2.99%
Personal Loans
Starting at
6.99%
Personal Line of Credit
Starting at 10.00%
Share Secured 2.50%
14.88%
HOME LOAN PROGRAMS
Mortgage: 15 to 30 Year (Owner Occupied Only)
SAFE DEPOSIT BOXES
Small
Medium
Large
ANNUAL FEE
$20.00
$40.00
$60.00
OTHER MEMBER SERVICES
(Paid Quarterly)
Minimum Deposit $500.00
321379083
0.15%
0.15%
0.20%
0.25%
0.25%
Minimum Deposit $1,000.00
1-888-630-8871
Routing & Transit Number
0.15%
0.15%
0.20%
0.25% 0.25%
CERTIFICATES
PAL Toll-Free
Starting at
Home Equity Line of Credit (Owner Occupied Only)
(Paid Monthly) 90 Days 6 Months 12 Months 18 Months
24 Months
New Auto Loans
(terms up to 7 yrs.)
Call us at 847-1371, Option 4.
Minimum - $500.00
Website
1.99%
**APR = Annual Percentage Rate. Rates subject to change without notice. All loans subject to approval. Final rate based on credit score.
+ Visa Classic has an annual fee of $15.00
$1,000.00 and Over
P.O. Box 30207
Honolulu, HI 96820
Starting at
VISA Classic+
HIGH YIELD CHECKING
$ 500.00 - $9,999.99
$10,000.00 - $24,999.99
$25,000.00 - $49,999.99
$50,000.00 - $74,999.99
$75,000.00 & Over
New Auto Loans
(terms up to 5 yrs.)
VISA Gold10.50%
(Paid Monthly)
Mailing Address
APR**
Visa Platinum 9.00%
No minimum balance requirement,
no monthly fees, non-dividend earning.
Minimum - $1,000.00
How To Contact Us
LOAN PROGRAMS
*APY = Annual Percentage Yield. Certificates: Early
withdrawal penalties apply. Fees could reduce earnings
on the account. Please contact the credit union for
current rates and fees. Savings rates are effective as
of 12/18/12 (unless otherwise noted) and subject to
change without notice.
ATM & Debit Cards
Direct Deposit
Discounted Auto and Homeowner’s Insurance
Money Orders
Movie Tickets
Notary Public (by appointment)
Online Banking & Bill Payment
Online Financial Planning Services
Safe Deposit Boxes
Savings Bond Services
Signature Guarantee (by appointment)
Telephone Banking
Traveler’s Checks
Wire Transfers
Your savings federally insured to at least $250,000 and backed
by the full faith and credit of the United States Government
National Credit Union Administration, a U.S. Government Agency