April 2016 - Wailuku Federal Credit Union

HUKILIKE
Wailuku Federal Credit Union
Dreams Start Here
April 2016
Our
61st
Annual Meeting
was a success!
Over 100 members joined Wailuku FCU
for our Annual Meeting on March 13th
at the Maui Beach Hotel.
A delicious lunch was enjoyed by all.
We gave away lots of great door prizes
and played Junkenpo with Wailuku FCU
member, Jody Martins. Thanks to everyone who joined us and made this event
a memorable one!
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Financial literacy is a crucial life skill for young
people, but it’s one that too few are learning.
That’s why in April, we are focusing on helping
youth become more financially fit. Wailuku FCU
will show youth and teens how to get Credit
Union Strong™ and pump up their savings.
Visit during the month of April and help us celebrate National Credit Union Youth Week.
And remember, Wailuku FCU membership is open to all of your family members.
Has there ever
been any women
on our paper
bills?
Fun
Fact
Yes. In 1886 and 1891,
Martha Washington was the face of
the $1 Silver Certificate, and in 1896,
she was on the back of the $1 Silver
Certificate.
Bring this Keiki Klub Coupon
in to receive $10* towards
your new account with us.
* Must be a new member,
17 years or younger
Offer good until 4/30/16
133 Ma’a Street, Kahului, HI 96732· Phone: 808.244.7981
Hours: Monday-Friday 9:00am - 4:45pm · www.WailukuFCU.com
Schedule of Fees & Charges
Schedule of Fees & Charges (updated)
effective May 1, 2016
Account Closure
(if closed within 6 months of opening)
$20.00
Account Reconciliation
$25/hr
Account Research Fee
$25/hr
ACH Overdraft (from shares)*
$3.00
ACH Return Fee (ie:NSF)
$20.00
ACH Revocation
$20.00
ACH Stop Payment
$20.00
Deposit Item Return
$20.00
Deposit Rolled Coins
(in excess of 10 Rolls)
$0.25/roll
Insufficient Funds Fee
$20.00
Overdraft Transfer (from shares)*
$3.00
Prepaid - Everyday Spend Card
$5.00
Prepaid - Gift Card
$3.00
Share Draft Return (ie:NSF)
$20.00
Stop Payment on Share Draft
$20.00
Written Authorization Transfers
$5.00
RATE BOARD
Regulation D
(Rates in effect starting immediately. All rates are
subject to change without notice. Some restrictions
may apply. Certain fees may reduce earnings.)
*Regulation D, limits you to make no
SAVINGS
more than six (6) electronic withdrawDividend Rate APY*
als or transfers from each savings
Share
Account……….…....0.25%.......0.25%
account during a calendar month. Your
checking account is excluded from this ($50 minimum deposit)
Holiday Club Savings……0.25%.......0.25%
regulation.
Group Account…..………..0.25%.......0.25%
Limited Transactions:
($50 minimum deposit)
*ACH withdrawals
*Automatic transfers between accounts
*Automatic transfers to a third
party or another institution
*Automatic transfers from a Savings
*Account to cover checks, ACH, or
EFT (overdraft protection)
*Online banking transfers
Share Draft…………….……0.13%.......0.13%
Unlimited Transactions:
*Deposits
*ATM transactions (withdrawals,
Transfers, & Deposits)
*Withdrawals made in person
*Transfers made in person
SHARE CERTIFICATE ACCOUNTS
Dividend Rate APY*
6-month term……….…..….0.40%.......0.40%
12-month term……………..0.50%…….0.50%
24-month term…….……….0.75%.......0.75%
(Minimum balance and opening deposit of $1,000.)
*Annual percentage yields (APYs) are subject to
change at any time without notice. An early withdrawal penalty may be imposed if withdrawal occurs
before maturity. Fees may reduce earnings. Dividends compound and credit to certificate monthly automatic renewal.
CONSUMER LOANS
APR**
New Auto Loans
Rates as low as..…………………………...2.74%
Used Auto Loans
Tips to avoid Reg D Limits
*Have your direct deposit sent to your Share Draft (checking) account, which is not subject to Reg D. Rates as low as………………………….….3.24%
Personal Loans
*Arrange ACH and preauthorized debits to come out of your checking instead of your savings.
Rates as low as……………………………..4.49%
*Plan ahead and make one large transfer from your savings instead of several small transfers.
Shared Secured Loan
*Use ATMs or perform your transfers in person from your savings account.
Rates as low as……………………………..3.75%
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Staff Announcements
100% of the loan amount is secured by funds in your
share (savings) account.
Please join us in welcoming Kerbi Inamasu & Gene Rivera to our CU ohana!
**APR = Annual Percentage Rate. Rates for New and
Used Auto Loans are determined by an evaluation of
your credit, the term of the loan, loan-to-value (loan
balance divided by vehicle value) and direct deposit/payroll deduction. Rates for Personal Loans are
determined by an evaluation of your credit, the term of
the loan and direct deposit/payroll deduction. Rates
subject to change at any time without notice. Payments example: The monthly payment on a $5,000
loan at 2.74% for 24 months will be $214.33.
Kerbi, our newest Member Service Representative, was a
stay-at-home mom to her 3 beautiful children for the past
5 years. As much as she enjoys spending time with them,
she couldn't wait to get back to work. She brings to us
over 7 years of customer service experience.
Gene, our newest Mortgage Loan Originator, has over 3
years of Credit Union experience. He enjoys spending
time with family, friends, and his pet cat, Princess. On his
free time, Gene loves to watch sports and play basketball.
Kerbi and Gene say they enjoy working at Wailuku FCU
because we have the best members and awesome staff!
Be sure to say “hi” to these new smiling faces the next
time you’re in!
REAL ESTATE LOANS
Home Equity Line of Credit
Please call for current rates.
1st Mortgage Loan
Please call for current rates.
Home Equity Closed End Loan
Please call for current rates.
Holidays:
Memorial Day - May 30
Independence Day - July 4
Land Loan
Please call for current rates.