4th Quarter - HFS Federal Credit Union

Fourth Quarter 2014
...The Umbrella...
HFS Voted Best Bank/
Credit Union in East Hawaii
Mahalo East Hawaii and readers of the Hawaii Tribune-Herald for voting HFS
Federal Credit Union the Best Bank/Credit Union for 2014. We are humbled
and thankful for this special recognition. We would like to thank our
valued member-owners, dedicated employees, and our community for
their continued support. This award validates our continued commitment
to providing outstanding member service each and every day and the
development of financial products designed to help our members achieve
their financial goals.
HFS Fights Back Against Cancer
Through the generosity of our outstanding members and employees, HFS FCU was able to raise over $18,450
for the American Cancer Society! We would like to thank our members and employees for their donations
and fundraising efforts during the months of June and July and to the many employees who volunteered at
the Kona and Hilo Relay for Life events.
Special recognition goes out to our top employee fund-raisers, Lorna Krahner from our Keaau office, and Dawn
Shiroma and Charis Watanabe-Atiz from our Hilo office.
The American Cancer Society is committed to saving lives and creating a world with more birthdays by helping
people stay well and get well, finding cures, and fighting back. Thank you for helping us to raise these funds for such
a worthy organization.
In This Issue...
Choose Debit or Credit?
Enroll in Your Free $2,000
Accident Insurance
Important Fee Changes
Pictured Top Left: Charis Watanabe-Atiz & Dawn Shiroma with HFS FCU President/
CEO Nathan Abe. Top Right: Hilo Relay for Life HFS FCU team. Bottom Left: Kona
Relay for Life HFS FCU team. Bottom Right: Lorna Krahner with HFS FCU President/
CEO Nathan Abe.
HFS
FEDERAL CREDIT UNION
Where Caring Counts
HFS
Credit or Debit - Which do you Choose?
When you’re at the store checkout line using your HFS Debit
MasterCard® and are asked “debit or credit?” which form of
payment do you choose? Do you know what the differences are?
Here are the facts:
• Both options withdraw the money you’ve authorized from your HFS Share Draft account. Plus, beginning on October 17, 2014, MasterCard® will expand its zero liability coverage to both
signature and PIN authorized transactions when fraud is reported
to help protect you, should you become a victim of Identity Theft.*
• Opting to use “Debit” requires you to authorize your transaction by using your PIN. The funds will be immediately taken out of your account to pay the vendor. Remember, do not write down your PIN number or share it with others.
• Selecting “Credit” means that you will authorize your purchase
with your signature. Although the money will come out of your checking, it may take several days to post to your account and for
the money to be withdrawn. Credit purchases, or those
authorized with your signature qualify you for ScoreCard Rewards Points. Redeem your points for merchandise, hotel reservations,
car rentals, and more.
Attention all Travel Enthusiasts!
This could be your ticket to Vegas! Enter for a
chance to win a trip for two to Las Vegas plus a
$500 MasterCard® Prepaid Card or other great
prizes. Simply use your HFS FCU Debit MasterCard®
for your everyday purchases and with each
qualifying signature transaction made in the month
of October you will be automatically entered to
win. For additional information and the Official
Rules, visit www.hfsfcu.org and click on the Ticket
to Vegas banner.
*For more information regarding Zero Liability Coverage for your
HFS Debit MasterCard®, please review our Electronic Fund Transfers
Agreement and Disclosure located on the web at www.hfsfcu.org.
Have you Enrolled in your Free $2,000 Accident Insurance?
If something were to happen to you, how would your family be impacted financially?
Accidents can happen at any time and loss of income can dramatically affect your family’s
ability to pay for basic household expenses, childcare costs, and more. HFS Group Accident
Insurance pays for a covered loss which is caused by or is a result of an accidental injury
including loss of limb, sight, hearing and speech. You could also qualify for additional benefits
if you are in the hospital or become permanently and totally disabled.
As an HFS member you receive $2,000 in free Accident Insurance simply by enrolling. If you
haven’t enrolled in your free coverage, download and complete the Group Accident
Insurance Enrollment Form from the HFS website and return it to Royal State Insurance.
You can also enhance your Group Accident Insurance protection by adding more coverage
for a very affordable price. For example, you can purchase $50,000 in coverage for just $3.60
per month and up to $250,000 in coverage for just $18.00 per month!
For a complete list of rates and plan benefits, exclusions and restrictions, please refer to the Insurance Products
page under Resources on our HFS website.
NOTICE OF REVISED FEE SCHEDULE
Effective November 15, 2014, HFS Federal Credit Union
will be making important changes to our current fee
schedule. With the rising costs of maintaining valuable
services and implementing new ones, HFS FCU must
implement the following changes.
Kona Coast Office Closed For Ironman
Due to the Ironman World Championship throughout Waikoloa and
Kona on Saturday, October 11, 2014, our Kona Coast office will be
closed for the day. Also, as a friendly reminder, all HFS offices will be
closed on Monday, October 13, 2014 in observance of Columbus
Day. All offices will resume normal business hours on Tuesday, October
14, 2014.
2015 Annual Meeting - Save the Date
Mark your calendar and save the date for
our 2015 HFS FCU Annual Meeting to be
held on Sunday, February 22, 2015! Business
meeting will be held prior to the event on
Friday, February 20, 2015 at the Hilo office.
More information will be available soon.
Please Pardon the Inconvenience
During the months of October and November rest room facilities
will be unavailable at our main office, 632 Kinoole Street due to
renovations. We apologize for any inconvenience this may cause.
Local Service. Global Good.
HFS invites all members to help
us celebrate International Credit
Union Day on Thursday, October
16, 2014! Visit any of our six offices
to receive a little thank you
treat and our new 2015 pocket
calendar featuring artwork from
Bruce Omori of Extreme Exposure.
Plus, pick up a Halloween goodie
bag for your keiki while supplies
last.
All revised fees will be displayed on our updated Schedule
of Fees and Charges which will be made available on our
website beginning November 15, 2014. If there are any
questions about these revised fees please contact the
Credit Union at (808) 930-1400 or toll free at (808) 216-2666.
International Credit Union Day is
observed worldwide on the 3rd
Thursday of October to recognize
those who have contributed to the credit union movement and to
show members our appreciation for their continued support.
HFS FEDERAL CREDIT UNION
NOTICE OF NOMINATIONS AND ELECTION
HOURS & LOCATIONS
HILO
Board of Directors
632 Kinoole Street
M-F 8:30am-5:00pm
Drive-Up Window
M-F 8:30am-5:00pm
SAT. 8:30am-1:30pm
In accordance with Article V of the Credit Union’s bylaws, as
amended, and approved by the National Credit Union Administration,
the following procedure will be followed for the Nomination and Election
of the Board of Directors.
KONA-COAST
SHOPPING CENTER
NOMINATIONS will be made by the Nominating Committee. Additional
nominations may be made by petition, the requirements for which are as
follows:
1.
2.
3.
4.
5.
74-5586 Palani Rd.
M-F 9:00am-6:00pm
SAT. 9:00am-1:30pm
The forms for the petition, certification and statements shall be provided
by the Credit Union.
Petition shall be signed by not less than 449 members of this Credit Union
who are eligible to vote (members 16 years of age or older).
The nominee shall be not less than 16 years of age as of February 20, 2015.
Only one nominee shall be contained on each petition.
The nominating petition, together with a statement of qualifications, biographical data and certification of intent to serve if elected to office, shall be filed with the Nominating Committee on or before November 22, 2014.
The election will be by ballot boxes. Balloting as necessary will be conducted from
February 9, 2015 through February 13, 2015 at the Credit Union offices.
There will be no balloting and no nominations from the floor at the Business Meeting if there is
only one nominee per office. Balloting where necessary will have been completed prior to the
Business Meeting. Nominations from the floor will be called and elections held at the Business
Meeting only in the event that sufficient nominations have not been made by the Nominating
Committee or by the petition for each of the offices to be filled. Only those positions without a
nominee shall be subject to nominations from the floor. The results of these procedures will be
announced at the Business Meeting which will be held on February 20, 2015.
The following is the office to be filled and the nomination submitted by the Nominating Committee:
KEAAU
16-589 Old Volcano Road
M-F 8:30am-5:00pm
SAT. 8:30am-1:30pm
Drive-Up Window
M-F 8:30am-5:00pm
SAT. 8:30am-1:30pm
KEALAKEKUA
81-958 Halekii Street
M-F 8:30am-5:00pm
PRINCE KUHIO
111 E. Puainako Street
M-F 9:00am-6:00pm
SAT. 9:00am-1:30pm
WAIMEA CENTER
65-1158 Mamalahoa Hwy.
M-F 9:00am-6:00pm
SAT. 9:00am-1:30pm
CALL CENTER
BOARD OF DIRECTORS, one (1) seat to be filled for a 3-year term:
808-930-1400
800-216-2666
M-F 8:30am-6:00pm
SAT. 8:30am-1:30pm
VICTOR VIERRA
ONLINE SERVICES
•
•
•
•
www.hfsfcu.org
Member of HFS Federal Credit Union since 1990
Seeking re-election
Board of Director of HFS Federal Credit Union since 2003
Retired Hawaii County Police Chief
EMAIL ADDRESS
hfs_operations@hfsfcu.org
AUDIO RESPONSE
A copy of the specific bylaws provisions for these procedures and applicable implementation
policies are available at the Credit Union’s main office (632 Kinoole Street, Hilo, Hawaii) for your
inspection.
Ronald Furukawa
Treasurer/Secretary
808-930-1489
1-877-930-1489
LOST OR STOLEN VISA CARDS
Monday thru Friday
Toll free (800) 808-7230
After Hours and Weekends
Toll free (800) 991-4964
LOST OR STOLEN
DEBIT CARDS & SHARE CARDS
After Hours and Weekends
Toll free (800) 523-4175
HOLIDAY CLOSINGS
Ironman (Kona Coast Office Only). . . Saturday, October 11,
Columbus Day. . . . . . . . . . . . . . . . . Monday, October 13,
Veterans Day. . . . . . . . . . . . . . . . Tuesday, November 11,
Thanksgiving Day. . . . . . . . . . . Thursday, November 27,
Christmas Day. . . . . . . . . . . . . . . Thursday, December 25,
DESIGN & LAYOUT:
Alexander Kay-Wong
Ashley De Mattos
2014
2014
2014
2014
2014
Federally Insured by NCUA