1st Quarter - HFS Federal Credit Union

1st Quarter - HFS Federal Credit Union

First Quarter 2011
F uture L eaders
of
H awaii
F
uture Leaders of Hawaii, or FLOH for short, is this year’s Junior
Achievement Company sponsored by HFS Federal Credit Union. Junior Achievement is an after school program created to teach local high
school students valuable business skills. During the course of the program, students learn how to start a company, create a business plan, produce and market products and account for expenses and revenues. This
year’s company, FLOH, consisted of twenty students from various high
schools and were led by nine HFS staff advisors. The students worked
diligently to produce a variety of products including Christmas ornament kits, greeting card sets, and holiday stockings. HFS would like to
congratulate these students for their hard work and achievements and
wish them the best as they grow to become the Future Leaders of Hawaii.
on the inside...
Your Credit Score
What it is & how to get it
HFS Awarded Gold Honor
in SBA Lending
75th Annual Membership
Meeting Announcement
L-R: Front Row: Taylor Chaves-McCormick, Helena Brewer, Crystal Leopoldino, Rebekah Friel, Kendra Fujioka, Kade Cobile. Back
row: Isaiah Fourshey, Tiara Inoue, Titus Matthews, Lolly Higa, Lakisha Victorino-Hose, Kevin Yoshioka-Tomonoha, Tia Kaili, Becky
Kyota, Jayson Oandason, Aaron Nishiura, Kaylan Young, Kaeo Mateo, Brittney Buyuan, Charlotte McPherson
A dvisors
L-R: Kaci Takahashi, Manly Kanoa, Keri Takahashi, Abigail Del Rosario, Katie
Martin, Alexander Kay-Wong, Jada Candaroma, Gordon Takaki, Kristi Lei Asai
HFS
FEDERAL CREDIT UNION
Where Caring Counts
HFS
Your Credit Score...
Understanding what it is & how to get it!
t«ƒã®Ýƒ‘Ù›—®ãݑÊ͍ٛ
ĐƌĞĚŝƚƐĐŽƌĞ͕Žƌ&/KƐĐŽƌĞ͕ŝƐĂŶƵŵďĞƌƌĂŶŐŝŶŐĨƌŽŵϯϬϬƚŽϵϬϬƚŚĂƚƌĞŇĞĐƚƐƚŚĞŝŶĨŽƌŵĂƟŽŶŝŶLJŽƵƌ
ĐƌĞĚŝƚƌĞƉŽƌƚ͘dŚĞƐĐŽƌĞƐƵŵŵĂƌŝnjĞƐLJŽƵƌĐƌĞĚŝƚŚŝƐƚŽƌLJĂŶĚŚĞůƉƐůĞŶĚĞƌƐƉƌĞĚŝĐƚŚŽǁůŝŬĞůLJŝƚŝƐƚŚĂƚLJŽƵ
ǁŝůůŵĂŬĞLJŽƵƌƉĂLJŵĞŶƚƐǁŚĞŶƚŚĞLJĂƌĞĚƵĞ͘>ĞŶĚĞƌƐŵĂLJƵƐĞĐƌĞĚŝƚƐĐŽƌĞƐŝŶĚĞĐŝĚŝŶŐǁŚĞƚŚĞƌƚŽŐƌĂŶƚ
LJŽƵĐƌĞĚŝƚ͕ǁŚĂƚƚĞƌŵƐLJŽƵĂƌĞŽīĞƌĞĚ͕ŽƌƚŚĞƌĂƚĞLJŽƵǁŝůůƉĂLJŽŶĂůŽĂŶ͘dŚĞŚŝŐŚĞƌLJŽƵƌƐĐŽƌĞƚŚĞůŽǁĞƌ
ƚŚĞĐƌĞĚŝƚƌŝƐŬ͘zŽƵƌĐƌĞĚŝƚƐĐŽƌĞŝƐĐŽŵƉƌŝƐĞĚŽĨ͗
WĂLJŵĞŶƚŚŝƐƚŽƌLJ͗ ĂīĞĐƚĞĚďLJŚŽǁŵĂŶLJďŝůůƐŚĂǀĞ
ďĞĞŶƉĂŝĚůĂƚĞ͕ƐĞŶƚƚŽĐŽůůĞĐƟŽŶĂŶĚĂŶLJďĂŶŬƌƵƉƚĐŝĞƐ
ŵŽƵŶƚƐŽǁĞĚ͗ ĂīĞĐƚĞĚďLJŚŽǁŵƵĐŚLJŽƵŽǁĞŽŶ
ĂůůůŽĂŶƐĂŶĚƚŚĞĂŵŽƵŶƚŽĨĐƌĞĚŝƚLJŽƵŚĂǀĞĂǀĂŝůĂďůĞ͘
ƌĞĚŝƚŚŝƐƚŽƌLJ͗ ůŽŽŬƐĂƚƚŚĞůĞŶŐƚŚŽĨƟŵĞLJŽƵ͛ǀĞŚĂĚ
ĐƌĞĚŝƚ͕ĞƐƉĞĐŝĂůůLJǁŝƚŚƚŚĞƐĂŵĞĐŽŵƉĂŶLJ͘
dLJƉĞƐŽĨĐƌĞĚŝƚŝŶƵƐĞ͗ůŽŽŬƐĂƚƚŚĞǀĂƌŝĞƚLJĂŶĚƚLJƉĞ
ŽĨĐƌĞĚŝƚĐƵƌƌĞŶƚůLJďĞŝŶŐƵƐĞĚ;Ğdž͘͘͘ŵŽƌƚŐĂŐĞ͕ĂƵƚŽ͕
credit cards).
EĞǁĐƌĞĚŝƚ͗ůŽŽŬƐĂƚƚŚĞŶƵŵďĞƌŽĨƌĞĐĞŶƚŝŶƋƵŝƌŝĞƐ
ŵĂĚĞĨŽƌĐƌĞĚŝƚ͘>ĂƌŐĞŶƵŵďĞƌƐŽĨŝŶƋƵŝƌŝĞƐŵĂLJŵĞĂŶ
LJŽƵĂƌĞŝŶĮŶĂŶĐŝĂůƚƌŽƵďůĞŽƌƚŚĂƚLJŽƵĂƌĞƚĂŬŝŶŐŽŶ
too much debt.
t«ƒã®Ýƒ‘Ù›—®ãٛÖÊÙã͍
ĐƌĞĚŝƚƌĞƉŽƌƚŝƐĂƌĞĐŽƌĚŽĨLJŽƵƌĐƌĞĚŝƚŚŝƐƚŽƌLJƚŚĂƚŝŶĐůƵĚĞƐŝŶĨŽƌŵĂƟŽŶĂďŽƵƚ͗
799
8
4
5 674
HFS, Recognized as a community leader for Small Business Loans
Get your free annual
credit report today!
zŽƵĐĂŶŐĞƚŽŶĞĨƌĞĞĐƌĞĚŝƚƌĞƉŽƌƚ
ĞǀĞƌLJƚǁĞůǀĞŵŽŶƚŚƐĨƌŽŵĞĂĐŚŽĨƚŚĞ
ŶĂƟŽŶǁŝĚĞĐƌĞĚŝƚďƵƌĞĂƵƐƋƵŝĨĂdž͕
džƉĞƌŝĂŶ͕ĂŶĚdƌĂŶƐhŶŝŽŶͲďLJǀŝƐŝƚ
džƉĞƌŝĂŶ͕ĂŶĚdƌĂŶƐhŶŝŽŶͲďLJǀŝƐŝƚͲ
ing ǁǁǁ͘ĂŶŶƵĂůĐƌĞĚŝƚƌĞƉŽƌƚ͘ĐŽŵ or
ĐĂůůŝŶŐ;ϴϳϳͿϯϮϮͲϴϮϮϴ͘dŚŝƐŝƐƚŚĞŽŶůLJ
ŽĸĐŝĂůǁĞďƐŝƚĞǁŚĞƌĞLJŽƵƌĐƌĞĚŝƚ
ƌĞƉŽƌƚŝƐƚƌƵůLJĨƌĞĞ͘zŽƵǁŝůůŶĞĞĚƚŽ
ƉƌŽǀŝĚĞĐĞƌƚĂŝŶŝŶĨŽƌŵĂƟŽŶƚŽĂĐĐĞƐƐ
LJŽƵƌƌĞƉŽƌƚ͕ƐƵĐŚĂƐLJŽƵƌŶĂŵĞ͕ĂĚ
LJŽƵƌƌĞƉŽƌƚ͕ƐƵĐŚĂƐLJŽƵƌŶĂŵĞ͕ĂĚͲ
ĚƌĞƐƐ͕^ŽĐŝĂů^ĞĐƵƌŝƚLJŶƵŵďĞƌ͕ĂŶĚĚĂƚĞ
of birth.
Helpful Hint͗/ĨLJŽƵŵĂŬĞĂƌĞƋƵĞƐƚ
͗/ĨLJŽƵŵĂŬĞĂƌĞƋƵĞƐƚ
ĨƌŽŵŽŶĞŽĨƚŚĞƐĞĂŐĞŶĐŝĞƐĂƚĨŽƵƌͲ
ŵŽŶƚŚŝŶƚĞƌǀĂůƐ͕LJŽƵĐĂŶŽďƚĂŝŶƚŚƌĞĞ
free credit reports throughout the
ĐŽƵƌƐĞŽĨĂLJĞĂƌ͘
zŽƵƌŝĚĞŶƟƚLJ͘
zŽƵƌŶĂŵĞ͕ĂĚĚƌĞƐƐ͕ĨƵůůŽƌƉĂƌƟĂů^ŽĐŝĂů^ĞĐƵƌŝƚLJŶƵŵďĞƌ͕ĚĂƚĞŽĨďŝƌƚŚ͕ĂŶĚƉŽƐƐŝďůLJĞŵƉůŽLJŵĞŶƚŝŶĨŽƌŵĂƟŽŶ͘
zŽƵƌĞdžŝƐƟŶŐĐƌĞĚŝƚ͘/ŶĨŽƌŵĂƟŽŶĂďŽƵƚĐƌĞĚŝƚƚŚĂƚLJŽƵŚĂǀĞ͕ƐƵĐŚĂƐLJŽƵƌĐƌĞĚŝƚĐĂƌĚĂĐĐŽƵŶƚƐ͕ŵŽƌƚŐĂŐĞƐ͕ĐĂƌůŽĂŶƐ͕ĂŶĚƐƚƵĚĞŶƚůŽĂŶƐ͘/ƚ
zŽƵƌĞdžŝƐƟŶŐĐƌĞĚŝƚ͘/ŶĨŽƌŵĂƟŽŶĂďŽƵƚĐƌĞĚŝƚƚŚĂƚLJŽƵŚĂǀĞ͕ƐƵĐŚĂƐLJŽƵƌĐƌĞĚŝƚĐĂƌĚĂĐĐŽƵŶƚƐ͕ŵŽƌƚŐĂŐĞƐ͕ĐĂƌůŽĂŶƐ͕ĂŶĚƐƚƵĚĞŶƚůŽĂŶƐ͘/ƚ
ŵĂLJĂůƐŽŝŶĐůƵĚĞƚŚĞƚĞƌŵƐŽĨLJŽƵƌĐƌĞĚŝƚ͕ŚŽǁŵƵĐŚLJŽƵŽǁĞLJŽƵƌĐƌĞĚŝƚŽƌƐ͕ĂŶĚLJŽƵƌŚŝƐƚŽƌLJŽĨŵĂŬŝŶŐƉĂLJŵĞŶƚƐ͘
zŽƵƌƉƵďůŝĐƌĞĐŽƌĚ͘/ŶĨŽƌŵĂƟŽŶĂďŽƵƚĂŶLJĐŽƵƌƚũƵĚŐŵĞŶƚƐĂŐĂŝŶƐƚLJŽƵ͕ƚĂdžůŝĞŶƐĂŐĂŝŶƐƚLJŽƵƌƉƌŽƉĞƌƚLJ͕ŽƌǁŚĞƚŚĞƌLJŽƵŚĂǀĞĮůĞĚĨŽƌ
zŽƵƌƉƵďůŝĐƌĞĐŽƌĚ͘/ŶĨŽƌŵĂƟŽŶĂďŽƵƚĂŶLJĐŽƵƌƚũƵĚŐŵĞŶƚƐĂŐĂŝŶƐƚLJŽƵ͕ƚĂdžůŝĞŶƐĂŐĂŝŶƐƚLJŽƵƌƉƌŽƉĞƌƚLJ͕ŽƌǁŚĞƚŚĞƌLJŽƵŚĂǀĞĮůĞĚĨŽƌ
ďĂŶŬƌƵƉƚĐLJ͘
/ŶƋƵŝƌŝĞƐĂďŽƵƚLJŽƵ͘ůŝƐƚŽĨĐŽŵƉĂŶŝĞƐŽƌƉĞƌƐŽŶƐǁŚŽƌĞĐĞŶƚůLJƌĞƋƵĞƐƚĞĚĂĐŽƉLJŽĨLJŽƵƌƌĞƉŽƌƚ͘
,Êó‘ƒÄ®Ãƒ®ÄヮÄÊٮđٛƒÝ›Ãù‘Ù›—®ãݑÊ͍ٛ
Watch Your Available Credit:ŬĞĞƉďĂůĂŶĐĞƐǁĞůůďĞůŽǁLJŽƵƌĐƌĞĚŝƚůŝŵŝƚ͘^ƉĞŶĚŝŶŐĐůŽƐĞƚŽLJŽƵƌĐƌĞĚŝƚůŝŵŝƚŽƌŚĂǀŝŶŐĂůĂƌŐĞĂŵŽƵŶƚŽĨ
ŬĞĞƉďĂůĂŶĐĞƐǁĞůůďĞůŽǁLJŽƵƌĐƌĞĚŝƚůŝŵŝƚ͘^ƉĞŶĚŝŶŐĐůŽƐĞƚŽLJŽƵƌĐƌĞĚŝƚůŝŵŝƚŽƌŚĂǀŝŶŐĂůĂƌŐĞĂŵŽƵŶƚŽĨ
ĚĞďƚĐĂŶŶĞŐĂƟǀĞůLJŝŵƉĂĐƚLJŽƵƌƐĐŽƌĞ͘
Limit Inquiries: DĂŶLJŝŶĚŝǀŝĚƵĂůƐĂƉƉůLJĨŽƌĂůŽĂŶŽƌĐƌĞĚŝƚĐĂƌĚŶŽƚŬŶŽǁŝŶŐƚŚĂƚĞĂĐŚƟŵĞƚŚĞLJĚŽƐŽŝƚŝƐĐŽŶƐŝĚĞƌĞĚĂĐƌĞĚŝƚŝŶƋƵŝƌLJ͘
dŽŽŵĂŶLJŝŶƋƵŝƌŝĞƐŵĂLJƐŝŐŶĂůĮŶĂŶĐŝĂůƚƌŽƵďůĞŽƌƚŚĂƚLJŽƵĂƌĞĂďŽƵƚƚŽƚĂŬĞŽŶƚŽŽŵƵĐŚĚĞďƚ͘<ĞĞƉŝŶŵŝŶĚ͕ƌĞƋƵĞƐƟŶŐĂĐŽƉLJŽĨLJŽƵƌ
ŽǁŶĐƌĞĚŝƚƌĞƉŽƌƚĚŽĞƐŶŽƚĐŽƵŶƚĂŐĂŝŶƐƚLJŽƵŽƌĂīĞĐƚLJŽƵƌƐĐŽƌĞ͘
Close Unused Accounts: ,ĂǀŝŶŐĂůĂƌŐĞŶƵŵďĞƌŽĨƵŶƵƐĞĚĂĐĐŽƵŶƚƐƐŚŽǁƐƚŚĂƚLJŽƵƉŽƚĞŶƟĂůůLJĐŽƵůĚŐĞƚLJŽƵƌƐĞůĨŝŶƚŽĮŶĂŶĐŝĂůƚƌŽƵďůĞ͘
ŽŶƐŽůŝĚĂƟŶŐĐƌĞĚŝƚĐĂƌĚƐƚŽĂƐĞůĞĐƚĨĞǁŝƐĂŐŽŽĚŽƉƟŽŶĨŽƌŵĂŶLJŝŶĚŝǀŝĚƵĂůƐ͘,ŽǁĞǀĞƌ͕LJŽƵŵĂLJǁĂŶƚƚŽŬĞĞƉLJŽƵƌŽůĚĞƐƚĐĂƌĚĂƐƚŚĞ
ůĞŶŐƚŚŽĨĐƌĞĚŝƚŚŝƐƚŽƌLJĐŽƵŶƚƐĨĂǀŽƌĂďůLJƚŽLJŽƵƌĐƌĞĚŝƚƐĐŽƌĞ͘
Always Make Payments On Time: ůǁĂLJƐŵĂŬĞĂƚůĞĂƐƚƚŚĞŵŝŶŝŵƵŵƉĂLJŵĞŶƚĚƵĞ͘>ĂƚĞŽƌŵŝƐƐĞĚƉĂLJŵĞŶƚƐ͕ĂƐƐŚŽǁŶďLJƚŚĞĮŐƵƌĞ
ĂďŽǀĞŚĂǀĞĂŐƌĞĂƚŝŵƉĂĐƚŽŶLJŽƵƌƐĐŽƌĞĂŶĚĐĂŶƐƚĂLJŽŶLJŽƵƌĐƌĞĚŝƚƌĞƉŽƌƚĨŽƌƵƉƚŽϳLJĞĂƌƐ͘^ĞƫŶŐƵƉĂƵƚŽŵĂƟĐƉĂLJŵĞŶƚƐĨƌŽŵLJŽƵƌ
ďĂŶŬĂĐĐŽƵŶƚŝƐĂŶĞīĞĐƟǀĞǁĂLJƚŽŵĂŬĞƐƵƌĞƉĂLJŵĞŶƚƐĂƌĞŵĂĚĞŽŶƟŵĞ͘
Monitor your Credit Report: KďƚĂŝŶĐŽƉŝĞƐŽĨLJŽƵƌĐƌĞĚŝƚƌĞƉŽƌƚĨƌĞƋƵĞŶƚůLJĂŶĚĞŶƐƵƌĞĂůůŝŶĨŽƌŵĂƟŽŶŝƐĐŽƌƌĞĐƚ͘/ĨĐŽƌƌĞĐƟŽŶƐŶĞĞĚƚŽ
ďĞŵĂĚĞ͕ǁƌŝƚĞƚŽƚŚĞĐƌĞĚŝƚďƵƌĞĂƵƚŽƌĞƋƵĞƐƚĂĐŽƌƌĞĐƟŽŶĂŶĚƉƌŽǀŝĚĞĂůůĚŽĐƵŵĞŶƚĂƟŽŶƐƵƉƉŽƌƟŶŐLJŽƵƌĐůĂŝŵ͘
&ŽƌŵŽƌĞ/ŶĨŽƌŵĂƟŽŶƌĞŐĂƌĚŝŶŐĐƌĞĚŝƚƐĐŽƌĞƐĂŶĚĐƌĞĚŝƚƌĞƉŽƌƟŶŐǀŝƐŝƚǁǁǁ͘ĨĞĚĞƌĂůƌĞƐĞƌǀĞ͘ŐŽǀͬĐƌĞĚŝƚƌĞƉŽƌƚƐ͘
L-R is Tim Ashcraft (Hawaii Community FCU), Justin Ganaden (Kauai Community FCU), Ruth Tanaka (Honolulu FCU), and Manly Kanoa (HFS FCU).
KŶ tĞĚŶĞƐĚĂLJ͕ EŽǀĞŵďĞƌ ϭϳ͕ ϮϬϭϬ͕ ƚŚĞ ,ĂǁĂŝ͛ŝ ^ŵĂůů
ƵƐŝŶĞƐƐ ĚŵŝŶŝƐƚƌĂƟŽŶ ;^Ϳ ƌĞĐŽŐŶŝnjĞĚ ƚŚĞ ƚŽƉ
ďĂŶŬ ĂŶĚ ĐƌĞĚŝƚ ƵŶŝŽŶ ůĞŶĚĞƌƐ ƚŚƌŽƵŐŚŽƵƚ ƚŚĞ ƐƚĂƚĞ
ǁŚŽ ƉĂƌƟĐŝƉĂƚĞĚ ŝŶ ŝƚƐ ůŽĂŶ ŐƵĂƌĂŶƚĞĞ ƉƌŽŐƌĂŵ͘ ,&^
&ĞĚĞƌĂů ƌĞĚŝƚ hŶŝŽŶ͛Ɛ ǀĞƌLJ ŽǁŶ DĞŵďĞƌ ƵƐŝŶĞƐƐ
^ĞƌǀŝĐĞKĸĐĞƌ͕DĂŶůLJ<ĂŶŽĂ///͕ǁĂƐƉƌĞƐĞŶƚĞĚǁŝƚŚƚŚĞ
ƉƌĞƐƟŐŝŽƵƐ 'ŽůĚ ĂǁĂƌĚ ĨŽƌ ĂƐƚ ,ĂǁĂŝŝ͘ :ŽŝŶŝŶŐ Śŝŵ ĂƐ
'ŽůĚ ǁĂƌĚ ƌĞĐŝƉŝĞŶƚƐ ŝŶ ƚŚĞŝƌ ƌĞƐƉĞĐƟǀĞ ƌĞŐŝŽŶƐ ǁĞƌĞ
dŝŵƐŚĐƌĂŌŽĨ,ĂǁĂŝŝŽŵŵƵŶŝƚLJ&h͕:ƵƐƟŶ'ĂŶĂĚĞŶ
ŽĨ <ĂƵĂŝ ŽŵŵƵŶŝƚLJ &h ĂŶĚ ZƵƚŚ dĂŶĂŬĂ ŽĨ ,ŽŶŽůƵůƵ
&h͘/ŶĂĚĚŝƟŽŶƚŽƚŚĞ'ŽůĚĂǁĂƌĚ͕DĂŶůLJĂůƐŽƉƌŽĚƵĐĞĚ
ƚŚĞůĂƌŐĞƐƚŶƵŵďĞƌŽĨƐŵĂůůďƵƐŝŶĞƐƐůŽĂŶƐŽŶƚŚĞĞŶƟƌĞ
ŝƐůĂŶĚŽĨ,ĂǁĂŝŝ͘dŚĞĐĞƌĞŵŽŶLJŚŝŐŚůŝŐŚƚĞĚƚŚĂƚŝŶϮϬϭϬ
ĐƌĞĚŝƚ ƵŶŝŽŶƐ ƚŽŽŬ ƚŚĞ ůĞĂĚ ŝŶ ŐƌĂŶƟŶŐ ŵƵĐŚͲŶĞĞĚĞĚ
ĨƵŶĚŝŶŐ ƚŽ ŽƵƌ ĐŽŵŵƵŶŝƟĞƐ͘ ,&^ ĐŽŶŐƌĂƚƵůĂƚĞƐ DĂŶůLJ
ĂŶĚŚŝƐĐŽůůĞĂŐƵĞƐ͕ĂŶĚǁĞŚŽƉĞƚŽĐĂƌƌLJƚŚĞŵŽŵĞŶƚƵŵ
ŽĨϮϬϭϬŝŶƚŽƚŚĞEĞǁzĞĂƌǁŝƚŚŵŽƌĞƐŵĂůůďƵƐŝŶĞƐƐůŽĂŶƐ
ƚŽůŽĐĂůďƵƐŝŶĞƐƐĞƐ͘
Hospice of Hilo
KŶ^ĂƚƵƌĚĂLJEŽǀĞŵďĞƌϮϳ͕ϮϬϭϬ͕ƚǁĞŶƚLJ,&^ƐƚĂīŵĞŵďĞƌƐǀŽůƵŶͲ
ƚĞĞƌĞĚƚŚĞŝƌƟŵĞƚŽƐƚĂīĂƚĂďůĞĂƚƚŚĞWƌŝŶĐĞ<ƵŚŝŽ WůĂnjĂƚŽĂƐƐŝƐƚ
ƚŚĞ,ŽƐƉŝĐĞŽĨ,ŝůŽ͛ƐϮϭstĂŶŶƵĂů>ŝŐŚƚhƉ>ŝĨĞWƌŽũĞĐƚ͘dŚŝƐƉƌŽũĞĐƚ
ĂůůŽǁƐ ŝŶĚŝǀŝĚƵĂůƐ Ă ďƌŝĞĨ ŵŽŵĞŶƚ ƚŽ ŚŽŶŽƌ ƚŚĞŝƌ ĚĞĐĞĂƐĞĚ ůŽǀĞĚ
ŽŶĞƐ ďLJ ĂůůŽǁŝŶŐ ƚŚĞŵ ƚŽ ƉĞƌƐŽŶĂůŝnjĞ ĂŶ ŽƌŶĂŵĞŶƚ ĂŶĚ ŚĂŶŐ ŝƚ ŽŶ
ŽŶĞŽĨƚǁŽdƌĞĞƐŽĨZĞŵĞŵďƌĂŶĐĞůŽĐĂƚĞĚĂƚƚŚĞĞŶƚƌĂŶĐĞƚŽDĂĐLJƐ͘
HFS staff from L-R: Sharday Sugiura (Prince Kuhio), Shann
Ohara (Hilo), Ryan Arai (Waimea), Brenda Lee (Hilo).
did
you know
?
ZĞŵŽǀŝŶŐLJŽƵƌ,ĂƚΘ
^ƵŶŐůĂƐƐĞƐŝƐĨŽƌLJŽƵƌ
ƉƌŽƚĞĐƟŽŶ͘ WůĞĂƐĞƌĞŵĞŵďĞƌ
ƚŽƌĞŵŽǀĞLJŽƵƌŚĂƚĂŶĚƐƵŶŐůĂƐƐĞƐ
ǁŚĞŶĞŶƚĞƌŝŶŐĂŶLJ,&^ďƌĂŶĐŚŽƌ
ǁŚĞŶƉĞƌĨŽƌŵŝŶŐƚƌĂŶƐĂĐƟŽŶƐĂƚ
ŽƵƌ͞ǁĂůŬͲƵƉ͕͟͞ĚƌŝǀĞͲƵƉ͕͟ŽƌdD͛Ɛ͘dŚŝƐŐŽĞƐĂůŽŶŐ
ǁĂLJŝŶŚĞůƉŝŶŐƵƐƚŽĞŶƐƵƌĞLJŽƵƌƐĞĐƵƌŝƚLJ͘:ƵƐƚƚŚŝŶŬ͕
ŝĨƐŽŵĞŽŶĞŵĂĚĞĂŶƵŶĂƵƚŚŽƌŝnjĞĚĂƩĞŵƉƚƚŽĂĐĐĞƐƐ
LJŽƵƌĂĐĐŽƵŶƚĂƚƚŚĞƚĞůůĞƌǁŝŶĚŽǁ͕ǁŽƵůĚLJŽƵǁĂŶƚ
ĂĐůĞĂƌƉŝĐƚƵƌĞŽĨƚŚŝƐŝŶĚŝǀŝĚƵĂůǁŚŽƚƌŝĞĚƚŽĐĂƵƐĞ
LJŽƵŚĂƌŵĨƌŽŵŽƵƌƐĞĐƵƌŝƚLJĐĂŵĞƌĂƐ͍DŽƐƚůŝŬĞůLJƚŚĞ
ĂŶƐǁĞƌŝƐLJĞƐ͊ZĞŵĞŵďĞƌ͕ǁŚĞŶ,&^ƐƚĂīĂƐŬLJŽƵƚŽ
ƌĞŵŽǀĞLJŽƵƌŚĂƚĂŶĚƐƵŶŐůĂƐƐĞƐ͕ŝƚŝƐŶŽƚŵĞĂŶƚƚŽ
ŽīĞŶĚLJŽƵ͘͘͘ŝƚ͛ƐĨŽƌLJŽƵƌƉƌŽƚĞĐƟŽŶ͘
HFS FEDERAL CREDIT UNION
NOTICE OF NOMINATIONS AND ELECTION
Board of Directors
In accordance with Article V of the 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.
NOMINATIONS will be made by the Nominating Committee. Additional nominations may be made by
petition, the requirements for which are as follows:
1. The forms for the petition, certification and statements shall be provided by the Credit Union.
2. Petition shall be signed by not less than 438 members of this Credit Union who are eligible to vote (members 16 years of age or older).
3. The nominee shall be not less than 16 years of age as of April 10th, 2011.
4. Only one nominee shall be contained on each petition.
5. 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 March 1st, 2011.
The election will be by ballot boxes. Balloting as necessary will be conducted from March 31st, 2011
through April 5th, 2011 at the Credit Union offices.
There will be no balloting and no nominations from the floor at the Annual Meeting if there is only one
nominee per office. Balloting where necessary will have been completed prior to the Annual Meeting.
Nominations from the floor will be called and elections held at the Annual 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 Annual Meeting which will be
held on April 10th, 2011.
The following are the offices to be filled and the nominations submitted by the Nominating Committee:
BOARD OF DIRECTORS, two (2) seats to be filled for a 3-year term:
GERALD TAKASE
• Member of HFS Federal Credit Union since 1986
• Seeking re-election
• Assistant Corporation Counsel for the County of Hawaii, 25 years
• Lieutenant Colonel and Staff Judge Advocate for the Hawaii Army National Guard
• Juris Doctor degree from the University of Hawaii
• Bachelor of Science, Willamette University, Salem, Oregon
• Past President, Government Lawyers Section, Hawaii State Bar Association
• Past President, Na Leo Community Access Public Television
• Treasurer, Hawaii County Bar Association
• Past President, Hilo High School Alumni Association
HELEN HEMMES
• Member of HFS Federal Credit Union since 1975
• Degrees in English from Central College in Pella, Iowa, and UH-Manoa
• English Instructor/Lecturer for the State of Hawaii
• Community Development Technician & Affirmative Action Officer for the County of Hawaii
• Past President & CPO Hawaii Island United Way
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
HOLIDAY CLOSINGS
New Year’s Day. . . . . . . . . . . . . . . . Saturday, January 1, 2011
Dr. Martin Luther King Jr. Day. . . . . . . . . . Monday, January 17, 2011
Presidents Day. . . . . . . . . . . . . . . . . . Monday, February 21, 2011
Memorial Day. . . . . . . . . . . . . . . . . . . . . . . Monday, May 30, 2011
Independence Day. . . . . . . . . . . . . . . . . .Monday, July 4, 2011
Labor Day. . . . . . . . . . . . . . . . . . . Monday, September 5, 2011
Columbus Day. . . . . . . . . . . . . . . . . Monday, October 10, 2011
Veterans Day. . . . . . . . . . . . . . . . . Friday, November 11, 2011
Thanksgiving Day. . . . . . . . . . Thursday, November 24, 2011
Christmas Day. . . . . . . . . . . . . . Monday, December 26, 2011
HOURS & LOCATIONS
HILO
632 Kinoole Street
M-F 8:30am-5:00pm
Drive-Up Window
M-F 8:30am-5:00pm
SAT. 8:30am-1:30pm
KONA-COAST
SHOPPING CENTER
74-5586 Palani Rd.
M-F 9:00am-6:00pm
SAT. 9:00am-1:30pm
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
808-930-1400
800-216-2666
M-F 8:30am-6:00pm
SAT. 8:30am-1:30pm
ONLINE SERVICES
www.hfsfcu.org
EMAIL ADDRESS
hfsfcu@aloha.net
AUDIO RESPONSE
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 (888) 643-3888
Design & Layout:
Alexander Kay-Wong