Holiday celebrations and gift giving provide us all with priceless memories of family and friends to last a lifetime. If only these good times could go on longer. Once the holidays are over and the bills come rolling in, we are too often surprised to see that all the parties and gifts really do carry a price tag, adding to loans we may have already. No worries here!

Hawaii Federal Credit Union wants to make sure your New Year is both happy and financially sound. We’re launching into 2018 with a bang by offering a Bill Consolidation Loan* to help you wrap up some of your credit cards or other consumer loans into one low loan payment. Rates start at 2.99% APR** for terms up to 12 months and 4.99% APR** for terms up to 36 months.

If you are carrying a balance on high-interest credit cards or other consumer loans, these lower rates can help you:

• Save on finance charges• Lower your monthly payments• Pay off your loan faster.

In addition, bill consolidation can make your life easier by giving you just one monthly payment to budget for rather than keeping track of multiple bills with different due dates, which raises your chances of missing payments and incurring late fees. During this time, it’s important to keep new balances off your credit cards unless you can pay them in full on the next due date.

So come see us and start 2018 by getting your finances in order! Apply for your Bill Consolidation Loan* online at www.hawaiifcu.org or stop by the credit union today. Let Hawaii Federal Credit Union help you wrap up your bills into one easy consolidated payment!

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JANUARY 2018

Start the New Year Happier With a Bill Consolidation Loan*

IN THIS ISSUE

Start the New Year Happier With a Bill Consolidation Loan

Keiki Accounts: From Savings Cents To Good Sense

Discounted Mainland Fares on Hawaiian Airlines

Is your information current?

Get a $100 Cash Reward for Every New Line

Nominations For The Board of Directors

HOLIDAY SCHEDULE

MARTIN LUTHER KING JR. DAY Monday, January 15, 2018

PRESIDENT’S DAY Monday, February 19, 2018

MEMORIAL DAY Monday, May 28, 2018

*Membership requirements apply. A minimum deposit of $30 in your Savings account is required. You will need to provide a valid picture ID and Social Security card at time of account opening. Also, if your current address is not on your picture ID, please bring a document showing your current address.

**Annual Percentage Rate = APR. All loans subject to approval. Final rate based on credit score. Rates subject to change without notice. Two most recent paystubs required at time of loan application.

President’s MessageHappy New Year! My team and I are looking forward to another year of excitement, challenges, and most importantly serving our 14,300+ members.

It’s always great to start the New Year with good news and I have great news to share with you. Hawaii FCU was notified late last year that we have been approved for another Community Development Financial Institution Financial Assistance grant. This grant will allow us to continue our focus on improving our members financial health through our products and services and financial education.

One such service is the Voluntary Income Tax Assistance (VITA) program. I am proud that our team is once again participating in this great service to the community and I would like to especially thank Debra Nelson-Kelii, our Vice President of Community Development, for getting our tax preparers and credit union VITA certified.

We officially kick off the VITA program starting February 1, 2018 and it will be by appointments only. If you have any questions about VITA or wish to set up an appointment please call 441-4285.

If you have comments, questions, or concerns, please call me at 808-441-4201 or email me at cindy@hawaiifcu.org.

Mahalo!

Cindy GeilinGPRESIDENT & CEO

Keiki Accounts: From Savings Cents To Good Sense

Pennies into piggy banks that are then deposited into savings accounts

lay the foundation for a child’s future success. That’s what more than two

decades of research has uncovered across the U.S., where financial illiteracy

remains astonishingly high.

If your keiki does not yet have a savings account, there are good reasons to start one. Here are just a few:

• Children with savings dedicated for college education are four times more likely to attend college.

• By age six, children learn that saving — along with exercising self-control, thrift and patience — are good things, although they do not necessarily enjoy saving, nor are they very good at it.

• Between 6 and 12 years of age, children develop more abstract economic reasoning, understand the value of saving, and learn that saving not only yields interest, but also protects their money from being spent by themselves or others.

• People who, as children, have been encouraged to save using a bank or credit union account, save more than others in their adult life.

Teaching children to save is not just about money but also about essential life skills, values, goal setting, making strategic life decisions and planning for the future. For instance, putting money aside for a new video game teaches them discipline and delayed gratification. If they don’t save enough, they learn to make adjustments or maximize their limited resources.

WHY ARE THESE SKILLS IMPORTANT? Youth in the U.S. have a spending power of $172 billion annually, which has long made them the target of retailers and credit card companies. Missteps in money management can produce low credit scores that will hamper their ability to purchase a car, find employment, get a loan or rent a home.

It all starts with pennies into piggy banks. Hawaii Federal Credit Union welcomes your keiki and their piggy banks. We’ll be happy to get them started with a keiki savings account. Just $5 gets them on their way to a brighter and more financially secure future!

Get a $100 Cash Reward for Every New LineThis new exclusive cash rewards offer is our best one EVER! Now, as a credit union member, you can earn $100 for every line when you switch to Sprint®.

Here’s how it works:

• Members get a $100 cash reward for every new line when you switch to Sprint®.

• Current Sprint customers will receive a $50 cash reward for every line transferred into Sprint Credit Union Member Cash Rewards.

• Plus, get a $50 loyalty cash reward every year for every line

Here’s how to sign up for Sprint cash rewards:

1. Become a Sprint customer

2. Register at LoveMyCreditUnion.org/SprintRewards or in the Love My Credit Union Rewards® app

3. Allow up to six to eight weeks to see cash rewards directly deposited into your credit union account!

Make the switch today and save with the Sprint Credit Union Member Cash Rewards!

Discounted Mainland Fares on Hawaiian Airlines

Traveling to the Mainland? We have great news for you! Hawaii Federal

Credit Union has partnered with Hawaiian Airlines to offer our members

discounted Mainland fares.

Just log in to online banking and click on the banner ad and you will be re-directed to the Hawaiian Airlines website. Book a flight and your discount will be applied at the end of your reservation.

As Hawaii FCU continues to look for new money-saving opportunities for our members, we wish you safe travels!

*Please note that the discount is subject to change at the discretion of Hawaiian Airlines.

Is your information current?

Just a friendly reminder to keep us updated if you change your

address or phone number.

Having your current contact information enables us to reach out to you in a timely manner with statements, important member information and alerts. You also will be helping us to save time and expense that could otherwise be used to benefit all members. Mahalo for your cooperation!

Children with savings

dedicated for college

education are four

times more likely to

attend college.

SAVINGS PROGRAMS RATE APY*

Regular / IRA / Escrow / Christmas (Paid Quarterly)

$100.00 - $499.99 .15% .15%

$500.00 & Over .15% .15%

Kid’s Club(Paid Quarterly)

$5.00 & Over .15% .15%

No Fee Checking

No minimum balance requirement, no monthly fees, non-dividend earning.

HIGH YIELD CHECKING Minimum - $1,000.00 (Paid Monthly)

$1,000.00 and Over .15% .15%

PMA MONEY MARKETMinimum - $500.00 (Paid Monthly)

$ 500.00 - $9,999.99 0.15% 0.15%

$10,000.00 - $24,999.99 0.20% 0.20%

$25,000.00 - $49,999.99 0.25% 0.25%

$50,000.00 - $74,999.99 0.30% 0.30%

$75,000.00 & Over 0.30% 0.30%

CERTIFICATESMinimum Deposit $1,000.00(Paid Quarterly)

90 Days 0.25% 0.25%

6 Months 0.50% 0.50%

12 Months 0.75% 0.75%

18 Months 0.85% 0.85%

24 Months 0.95% 0.95%

IRA CERTIFICATESMinimum Deposit $500.00(Paid Quarterly)

9 Months 0.60% 0.60%

12 Months 0.85% 0.85%

18 Months 0.95% 0.95%

30 Months 1.10% 1.10%

LOAN PROGRAMS APR**

New Auto Loans Starting at 1.99% (terms up to 5 yrs.)

New Auto Loans Starting at 3.49% (terms up to 7 yrs.)

Used Auto Loans Starting at 3.49% (terms up to 6 yrs.)

Personal Loans Starting at 2.99%

Personal Line of Credit Starting at 9.00%

Share Secured 2.50%

Visa Platinum 9.00%

VISA Gold 10.50%

VISA Classic+ 14.88%

** APR = Annual Percentage Rate. Rates subject to change without notice. All loans subject to approval. Final rate based on credit score.

+ Visa Classic has an annual fee of $15.00

HOME LOAN PROGRAMS Call us at 847-1371, Option 4.

Home Equity Line of Credit (Owner Occupied Only)

Mortgage: 15 to 30 Year (Owner Occupied Only)

SAFE DEPOSIT BOXES ANNUAL FEE

Small $20.00

Medium $40.00

Large $60.00

OTHER MEMBER SERVICES

ATM & Debit CardsDirect DepositDiscounted Auto and Homeowner’s InsuranceMobile BankingMoney OrdersMovie TicketsNotary PublicOnline Banking & Bill PaymentSafe Deposit BoxesSavings Bond ServicesShared Branch ServicesSignature Guarantee (by appointment)Telephone Banking Traveler’s ChecksWire Transfers

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government National Credit Union Administration, a U.S. Government Agency

*APY = Annual Percentage Yield. Certificates: Early withdrawal penalties apply. Fees could reduce earnings on the account. Please contact the credit union for current rates and fees. Savings rates are effective as of 1/16/18 (unless otherwise noted) and subject to change without notice.

Rates & ProductsLocation & Hours

MAIN OFFICE1244 Kaumualii Street

Honolulu, HI 96817

WALK-UP WINDOWMonday – Friday

7:30 am to 9:00 am

LOBBY HOURSMonday – Thursday 9:00 am to 5:00 pm

FRIDAY 9:00 am to 5:30 pm

SATURDAY 9:00 am to 12:00 pm

How To Contact Us

MAILING ADDRESSP.O. Box 30207

Honolulu, HI 96820

WEBSITE www.hawaiifcu.org

TELEPHONE 808-847-1371

TOLL-FREE 1-800-433-8698

FAX 808-842-1923

PERSONAL ACCESS LINE (PAL)

888-776-9627

ROUTING & TRANSIT NUMBER

321379083

Nominations For The Board of DirectorsThe Nominations Committee announces the following for the Board of Directors:

BRIAN LEE – Incumbent for an additional term of 3 years and currently holding the position of Board Member. Brian has been a member of credit union for 38 years and a volunteer with the Board of Directors for the past 26 years.

TRACY SAKAI – Incumbent for an additional term of 3 years and currently holding the position of Board Member. Tracy has been a member of the credit union for 33 years and a volunteer with the Board of Directors for the past 3 years.

Join the Hawaii Federal Credit Union ohana at our 81st Annual Meeting, which will be

held on Saturday, March 17, 2018 at 9:30 a.m. at the credit union.

Enjoy a light breakfast with us and meet your Board of Directors and Management Team. In addition, you will have a chance to win some wonderful door prizes.