Trade Wind - Windward Community Federal Credit Union

Trade Wind
SPRING 2016
When: Saturday, May 7, 2016
Where: Ko’olau Ballroom
Doors open: 5:00 pm
Dinner starts at: 6:15 pm
Featuring entertainment by:
Tickets on sale now through April 20, 2016
How to purchase tickets?
In Person: Visit any WCFCU Branch
By Phone*: Call (808)254-3566, payment
must be debited from a member account
By Mail*: Complete the form below and mail
it to 6699 Mokapu Rd. Kailua, HI 96734
Attn: Annual Meeting
Payment must be by check or transfer.
Please note: Seating selection will be done on a first come first served basis.
*If purchasing tickets by phone or through the mail, please indicate which branch you would like to pick up your tickets: Main, Kailua or Kaneohe. They will NOT be mailed.
……………………………………………………………………………………………………………………………………………..
Member $20 (M)
Non Member $30 (NM)
Please provide the name(s) and circle if person is a member, non member or child.
1._____________________ M
NM
C
6.____________________ M NM C
2._____________________ M
NM
C
7.____________________ M NM C
3._____________________ M
NM
C
8.____________________ M NM C
4._____________________ M
NM
C
9.____________________ M NM C
5._____________________ M
NM
C 10.____________________ M NM C
Child $10 (C) (Ages 4-11)
Please enclose a check payable to
Windward Community FCU
Or
Please transfer from my account
Account # ____________
Savings
Checking
Total: $____________
At which branch would you like to pick up your tickets? Main____ Kailua____ or Kaneohe____
_____________________
Signature
_________
Date
Phone # _____________________
Spring is in the air!
RateWATCH
With a Signature Loan up to $5,000 with rates
Starting as low as 2.75%APR* and No first payment** due for 60 days!
Loan Rates (Effective January 01, 2016)
Type
Personal-12 Months
As low as 3.25%
36 Months
As low as 4.50%
48 Months
As low as 5.00%
60 Months
As low as 5.50%
New Auto-60 Months
As low as 2.25%
72 Months
As low as 3.25%
84 Months
As low as 4.00%
Used Auto-60 Months
As low as 2.75%
Motorcycle-36 Months
As low as 4.00%
Overdraft Protection
Up to $5,000
9.90%
Windy Credit Line
Up to $5,000
9.90%
80% Home Equity LOC
Up to $375,000
95% Home Equity LOC
Up to $150,000
2.99%**
Fixed for 3 Years++
6.00%**
Mortgages
Please call for information
VISA Credit Card
Classic Card - Up to $5,000
12.90%
Platinum Card - Up to $15,000
8.90%^
All loans are subject to credit approval. Rates subject to
change. Call for the most current rates and terms.
*APR- Annual Percentage Rate
++Restrictions Apply. **Variable, Based on WSJ Index
Certain terms and conditions may apply.
Savings Rates
(Effective December 01, 2015)
Type
APY*
Regular Shares - $100+
0.05%
Share Drafts - $5,000+
0.05%
Christmas/Vacation - $100+
0.05%
IRA Regular Shares - $100+
0.50%
Money Market $2,500+
Consider our VISA Platinum with Rewards for convenient & secure purchases.
Promotion expires May 31, 2016
APR*
0 .05% - 0.15%
The rates above are the proposed 2nd quarter dividend
rates. Please call our Windy Phone 791-4626 or
1-800-974-9328 for the most current rates.
*APY - Annual Percentage Yield
Federally Insured by NCUA
*Annual Percentage Rate. Membership with Windward Community FCU required. Available interest rate and terms subject to credit worthiness.
Not all applicants will qualify. All credit requests subject to review and approval. In-house refinance not eligible for promotional rates.
**Daily interest will accrue from the date of loan origination.
Kaneohe Branch Closure &
Announcement of Hawaii and National Shared Branching Networks
Our lease for our Kaneohe Branch at Windward City Shopping Center is expiring at the
end of May. The last day of business there is Saturday, May 21, 2016.
Alternatively, we hope that members will enjoy our new shared branching arrangement
with HICUSO, the Hawaii Network of shared branching credit unions by mid-May.
Specifically, for the Kaneohe area, there are two shared branching locations that will
serve members’ transactions needs:
 HawaiiUSA FCU located at Windward Mall, 46-056 Kamehameha Hwy
Monday – Friday: 10:00 a.m. to 6:00 p.m. Saturday: 9:00 a.m. – 2:30 p.m.

Hawaii State FCU located at Kaneohe Bay Shopping Center, 46-047
Kamehameha Hwy, #7, across from Windward Mall between Long’s & Safeway
Monday – Friday: 9:00 a.m. – 6:00 p.m. Saturday: 9:00 a.m. – 1:00 p.m.
Additionally, there are some 70 HICUSO branch locations throughout Hawaii (including
the neighbor islands) that will also serve members’ transaction needs. You may visit
the website at www.hicuso.com for all the available branch locations. Or our branch
staff may provide you with a printout of all the locations. We are also happy to advise
that members will also have access to more than 5,000 shared branching locations
across the mainland USA through the Co-Op Network. The website is at www.coopcreditunions.org and “Find a branch” by typing in a zip code for a desired area.
Shared branch transactions include:
 Cash withdrawals as limited by the serving outlet
 Deposits (coin deposits as permitted by the serving outlet)
 Check withdrawals
 Travelers Checks (no fee for single signature checks)
 Loan payments
Be advised that acceptable* primary identification is required and you must identify “Windward Community FCU” as your account membership with your account
number.
*Acceptable = government ID with photo, signature & expirations date including state
issued driver’s license, state issued IDs, US Armed Forces ID, passport, and alien ID
card.
We are currently seeking a solution for new accounts and loan signing business in
Kaneohe. Until then, both Main and Kailua branches will continue to serve all member
business needs along with our Windy phone and online banking at
www.wcfcuhawaii.org
For more information visit WCFCU to
pick up a form
or
Phone:(808) 539-1600
Toll Free:1-800-890-9022
Website: www.royalstate.com
Retiree Specialty Health
Benefits
Exclusively for Credit Union
Members!
Main Office
6699 Mokapu Rd.
MCBH
Kailua Hawaii 96734
Kailua
151Hekili Street
Suite 101
Kailua, Hawaii 96734
Kaneohe Branch
45-480 Kaneohe Bay Drive
Suite 1AE2
Kaneohe, Hawaii 96744
Phone (808) 254-3566
Phone (808) 262-1239
Phone (808) 247-8555
Hours:
Mon.- Fri.: 9 am-5 pm
Drive Through
Mon.-Fri. 9 am-5 pm
Hours:
Mon.-Thur.: 9 am-5 pm
Fri.: 9 am-6 pm
Sat.: 9 am-1pm
Hours:
Mon.-Thur.: 9 am-5 pm
Fri.: 9 am-6 pm
Sat.: 9 am-1 pm
Website www.wcfcuhawaii.org
Email wcfcu@wcfcuhawaii.org
Windy Phone 24 Hour Access:
791-4626 or (800) 974-9328