All-New Mobile Banking is Here - Hickam Federal Credit Union

THE
“We Make a
Difference in Our
Members’ Lives”
Hickam Difference
A quarterly publication for Hickam FCU members
3RD QUARTER 2015
All-New Mobile Banking is Here
And, Now With Mobile Deposit!
Sometimes life gets in the way and you can’t find time to stop by a credit union
To avoid becoming victim to an identity thief, it is important to keep
branch to conduct transactions or make a deposit. Now, with Hickam FCU’s
personal and financial documents safe and secure. Properly storing
free Mobile Banking, your accounts can follow you whenever and wherever
important documents not only will help thwart identity theft, but can
you go. Need to transfer funds? Yep, you can do that. Need to deposit a check?
also help eliminate clutter and keep you organized.
Yep, you can do that too. Want to be alerted when your account balance is low?
Ways to keep your financial and personal information safe and
No problem. You can do that and much more!
secure include:
With our Mobile Banking for iPhone®, iPad®, and Android™ smartphones and tablets you can quickly
and
easily
accessstatements
your Hickam
FCU accounts 24/7. With Hickam FCU Mobile Banking you can:
Receive
financial
electronically
Alleviate clutter and add security by signing up to receive billing
• Check
balances
and financial statements electronically.
Notaccount
only will
you eliminate • View check images
•
Transfer
funds
the chances of your financial information being lost, or even stolen • View and search transaction history
Deposit
• Find branch locations and ATMs
from your mailbox, you will no• longer
havechecks
the clutter of paper
statements. Another advantage is that your electronic statements can
is also available
be easily secured and stored onAccess
your computer
or onlinethrough
financialother internet capable mobile phones via mobile web browser.
For
more
information
or
to
watch a tutorial on how to get started with Hickam FCU’s
account.
Mobile Banking visit hickamfcu.org!
Keep important documents in a locked filing cabinet or
fire/waterproof safe
Securing personal and financial documents under lock and key will
help keep all your documents organized and will prevent them from
being accessed by someone who could use the information to steal
your identity. It is also a good idea to store hard to replace
documents, such as Social Security cards, birth certificates, marriage
Join Us in “Helping Make Miracles Happen”
And “Saving the Aina For The Children”
Stop by any Hickam FCU branch and purchase your designer, eco-friendly,
reusable tote bags. This beautiful, durable laminated and reinforced bag was
custom designed to help raise funds to support the Kapi’olani Children’s
Miracle Network while visually reminding us how important it is to preserve
the beauty of our islands for our keiki in keeping with the plastic bag ban
effective July 1.
In addition, the funds raised will be matched by CO-OP Financial
Services as part of its CO-OP Miracle Match program. This $1 million
annual matching funds program matches contributions at the local level,
expanding the contributions raised by credit unions for Children’s Miracle
Network Hospitals.
Every single dollar helps to help make a miracle! Together, we can make
miracles happen.
On
Sale
Now
at All Branch Locations
*
*While supplies last.
5
$
each
We
Making a Difference
Supporting the
Special Olympics of Hawaii
Recently, Hickam FCU provided its state-of-the-art digital Keiki
ID service to nearly 100 keiki at the Special Olympics Youth
Athletes Program. The Keiki ID service provides parents the
opportunity to capture vital information such as a photo,
fingerprint, and descriptive details on a wallet-size ID card. The
Keiki ID Card, which is kept in the parents’ possession, is used
to aid authorities in the event that a keiki becomes missing.
Lending a Hand to the
Girl Scouts “Lei of Aloha”
Service Project
On Saturday, May 22, Hickam FCU joined more than 15 Girl
Scouts Troops from across the island of Oahu in their “Lei of
Aloha” service project to string flower leis used to decorate the
9,000 gravesites at the Hawaii State Veterans Cemetery in
Kaneohe. To support the project, Hickam FCU raised more than
$2,030 from its membership, which was then used to purchase
29,000 orchid flowers. The donation of orchid flowers enabled
the Girl Scouts to make over 1,100 flower leis towards their goal
of making 10,000 leis. Also, Hickam FCU staff volunteers joined
in to string leis at the Girl Scouts lei-making event held at
Windward Mall.
16th Annual
Friends of Hickam
Keiki Fishing Tournament
Hickam FCU was once
again proud to support the
16th Annual Friends of
Hickam Keiki Fishing
Tournament held at
Ho‘omaluhia Botanical
Gardens in Kaneohe. Over
100 military members from
Joint Base Pearl HarborHickam and their keiki took
part in the fun filled day of
fishing and family time. The
day began with lunch in the
beautiful lush garden.
Following lunch, the excited
keiki and their parents stood
along the shore of the
Ho‘omaluhia Lake and
hauled in the bright colored
fish using bamboo poles with bread as bait. After the thrill of
fishing, the families enjoyed cool refreshments while each of the
keiki received prizes including a fishing rod and reel set, a t-shirt,
and goody bags. Trophies were also awarded in several categories
including most fish caught, largest fish caught, and more.
Hickam FCU Goes
“Hollywood”
For Worthwhile Cause
Hickam FCU believes in “making a difference in our members’
lives” but we also believe it is important to reach out and make a
difference in our community as well. That’s why the Hickam
FCU ‘ohana is proud to give back to the United Cerebral Palsy
Association of Hawaii. With the help of generous staff, Hickam
FCU was able to raise over $950 during our United Cerebral
Palsy Association “Hollywood Party” themed Casual Day event.
AvoID
Fraud
Beware of Tech Support Scams
It is important to stay on top of the latest identity theft scams and
trends to avoid becoming a victim. A scam that has been gaining
popularity is the computer tech support scam. This scam involves
fraudsters pretending to be from a well-known software company’s
technical support that calls unsuspecting individuals in an attempt
to coerce the victim into allowing access to their computers. The
scammer advises the victim that an error or virus has been
detected on the victim’s computer. The scammer offers to fix the
problem for a fee in the guise of a lifetime anti-virus maintenance
plan. The scammer may also ask the victim to download a software
to find or fix the error. Doing so may install a malware or spyware
on to the computer, which would allow the scammer to remotely
take control of the computer and gain access to passwords, bank
accounts, and other private information.
Major software or computer companies do not make unsolicited
phone calls to consumers informing them that something is wrong
with their computer. If you receive one of these calls hang up. Or,
if you feel you are a victim, run a legitimate virus scan on your
computer and then change passwords for email, online bank
accounts, and other accounts. And, inform your financial institution
or law enforcement authorities that you may have been a victim.
Exciting Debit and Credit Card News!
Hickam FCU Switching from
Visa® to MasterCard®
Along with the implementation of
EMV (Euro MasterCard/Visa) chip
card security technology on its
credit and debit cards, the credit
union will be also be switching card
processing from Visa to MasterCard.
The chip cards offer security features
that thwart fraud; while traditional magnetic stripes cannot. In
the following months, look for further announcements about this
exciting conversion happening in September.
R
E
M
M
SU Personal Loans
For Any Budget
MONTHLY
PAYMENT UNDER
100
$
**
MONTHLY
PAYMENT UNDER
2.49%
APR*
For up to 36-month term
with automatic payment.
**With a loan amount of $3,000 for 36-month
term the monthly payment will be $86.59.
3.49%
APR*
200
**With a loan amount of $8,000 for 48-month
term the monthly payment will be $178.85.
MONTHLY
PAYMENT UNDER
4.49%
$
**
300
$
**
For 37 to 48-month term
with automatic payment.
APR*
For 49 to 60-month term
with automatic payment.
**With a loan amount of $15,000 for 60-month
term the monthly payment will be $279.64.
Apply online at hickamfcu.org,
stop by a branch,
or call Loans at 432-9888.
*Annual Percentage Rate (APR) for this Special will be 2.49% APR up to 36 months; 3.49% APR for 37 48 months; and 4.49% APR for 49 - 60 months terms. Minimum loan amount is $1,000. Maximum loan
amount is $35,000. Automatic payment through a HFCU deposit account required for these special rates.
Higher rates may apply depending on loan term; and/or member’s credit performance; or without automatic
payment. For this Special no refinancing of existing Hickam FCU loans and no other discounts apply.
Other rates and terms are available. All loans are subject to approval. Certain terms and conditions apply.
Rates subject to change. Offer good thru 8/31/15.
Our Kahala Mall Kiosk Branch
is now open to serve East Oahu!
Let all your friends and family know
about this convenient location
and the great money-saving
products and services Hickam FCU
has to offer!
PRSRT STD
U.S. Postage
PAID
Honolulu, HI
Permit No. 9235
P. O. Box 30025
Honolulu, HI 96820
Holiday Closures
Labor Day
Monday, September 7, 2015
Columbus Day
Monday, October 12, 2015
STANDARD LOAN RATES (Effective 4/1/14)
APR*
Terms
As low as
NEW AUTO**
(Over $15,000)
(Over $20,000)
USED AUTO**
(Over $15,000)
(Over $20,000)
PERSONAL**
Monthly Payment Example
Per $1,000 Borrowed
HICKAM FEDERAL CREDIT UNION
www.hickamfcu.org
(808) 423-1391(Oahu only)
Toll-free 800-432-4328
(Continental U.S & Neighbor Islands only)
Call Center Hours
Monday-Friday, 8am-6pm HST
Saturday 9am-3pm HST
Closed on Sundays and Holidays
1.74%
2.24%
2.74%
3.74%
4.74%
1-3 years
4 years
5 years
6 years
7 years
36 monthly payments of $28.53
48 monthly payments of $21.80
60 monthly payments of $17.86
72 monthly payments of $15.53
84 monthly payments of $14.02
2.24%
2.74%
3.24%
4.24%
4.74%
1-3 years
4 years
5 years
6 years
7 years
36 monthly payments of $28.75
48 monthly payments of $22.03
60 monthly payments of $18.08
72 monthly payments of $15.76
84 monthly payments of $14.02
Audio Response
(808) 218-6000 (Oahu)
Toll-free: 866-903-4328
(Continental U.S & Neighbor Islands only)
24 monthly payments of $44.21
36 monthly payments of $30.54
48 monthly payments of $23.84
60 monthly payments of $19.93
Mililani Branch
5.75%
6.25%
6.75%
7.25%
2 years
3 years
4 years
5 years
*Annual Percentage Rate. Rates are subject to change without notice. All loans are subject to credit
approval.
**Rate disclosed is the lowest rate available based on the establishment of automatic payment and for
applying online. For New Auto loans, rate disclosed includes an additional 0.25% discount with a down
payment of 20% or more. Maximum loan amounts are based on 120% MSRP for New Auto Loans and 100%
Kelley Blue Book Retail Value for Used Auto Loans which both may include optional equipment, tax, license,
GAP, extended warranty or other auto related add-ons. Higher rates may apply for New or Used Auto Loans
and Personal Loans depending on loan term, collateral, member’s credit performance, and/or the
cancellation of automatic payment. Terms indicated are for payment calculations only.
Main Branch
Joint Base Pearl Harbor-Hickam
Mon-Thurs, 8am-4pm. Fri, 8am-5pm.
The Town Center of Mililani
Mon-Fri, 10am-6pm. Sat, 9am-2pm.
Board of Directors
Ray Romero
Chairperson
Carol J. Ebia
Vice Chairperson
Abigail K. Nishida
Chief Financial Officer
Sharon K. Miyazawa
Secretary
Larry Damewood
Director
Duke T. Hiyama
Director
Wilbert M. S. Ho
Director
Tina Mendes
Director
Adrian Yunson
Director
Supervisory Committee
Cheryl Suzuki
Chairperson
Ron Bunda
Secretary
Curtis Popa
Member
Pearlridge Branch
Pearlridge Mall Uptown 2nd Level
Mon-Fri, 9am-6pm. Sat, 9am-3pm.
Kapolei Branch
The Marketplace at Kapolei
Mon-Fri, 10am-6pm. Sat, 9am-2pm.
The Hickam Difference is
a newsletter published quarterly.
Information herein is deemed
accurate at the time of printing.
Kahala Mall Kiosk Branch
Kahala Mall
Mon-Fri, 10am-6pm. Sat, 9am-3pm.
Federally insured by NCUA