1st Quarter - HFS Federal Credit Union

First Quarter 2010
...The Umbrella...
Hawaii’s Future Successors
HFS has been supporting Junior Achievement, a high school after
school program aimed at teaching local students business through
hands on doing, for a number of years. This year nine staff members
of HFS have dedicated the last fifteen weeks to volunteer their time to sponsor
and mentor a Junior Achievement Team made up of 23 high school students
from Waiakea, Hilo, Kea’au, Pahoa and Kamehameha. The team mentored
by HFS was named Hawaii’s Future Successors. Throughout this program
these students were required to develop a management team, select a
company name, design, produce, and market products, account for expenses
and revenues, manage human resources, create business plans, and learn
other practical business skills. A few of the products sold by Hawaii’s Future
Successors were Holiday Hot Cocoa Mugs, cookbook calendars, and a variety
of the World’s Finest Chocolates candy bars. We would like to congratulate the
students and staff for their dedication to our community and look forward to
seeing Hawaii’s Future Successors in our local business community.
on the inside...
...mobile banking...
three easy steps!
...did you know...
express and night
deposits!
Advisors
...annual meeting...
info on this years
meeting!
Gerald Seikaku, Tracey Kameda, Keri Takahashi, Ronnelle Augustin,
Zachary Churchill, Jada Candaroma, Katie Martin, Manly Kanoa III,
(not pictured) Gordon Takaki
HFS
FEDERAL CREDIT UNION
Where Caring Counts

HFS
Mobile Banking, As Easy as 1, 2, 3!
...With our new Online banking site HFS is now able to offer our members Mobile Banking...
What is HFS Mobile Banking
It’s a service that lets you do your day-to-day banking on your cell phone or PDA. It’s fast,
easy, convenient and accessible anywhere in the U.S.
Is HFS Mobile Banking Safe
Yes! HFS Mobile Banking is a secure way of completing your financial transactions from
your handheld device. Your information is protected by 128-bit encryption, just as it is
when you bank online.
Follow these three easy steps to try HFS Mobile Banking today:
Step 1: Sign up for Online Banking if you haven’t already done so. Then, to access
mobile banking simply enter the following link into your cell phone browser
http://hfsfcu.online-cu.com/mobile, or visit our homepage and click on the
link labeled “Mobile Log-In” under the Online Banking tab.
Step 2:
Step 3:
You will then be prompted to Log In using your User ID (Account Number).
Upon input you will need to verify your security image and phrase, as well as
enter your password.
From there you will be brought to the main screen where you may access your
Account Summary, Transfer Funds, Quick Pay, Change Email Address, or Change
Password.
Remember if this looks slightly different then HFS Online Banking, don’t be alarmed. HFS
Mobile Banking has been simplified for your ease of use on your phone or PDA.
Now even when your life becomes busy and you’re left to do things on the go, remember
HFS Mobile Banking, just one more service for our valued member owners.
Overdrafts and Your Account!
What is an Overdraft
An overdraft occurs when you do not have enough available funds in your checking account to cover a transaction, yet
HFS covers the amount anyway. Transactions include a check, draft, or electronic/Debitcard item posted to your account.
HFS may cover your overdraft in one of two ways listed below.
1. Using standard overdraft practices that come with your account
2. Using an overdraft protection plan set up by the member where their share draft account is linked to a savings
account or line of credit.
What are HFS FCU’s standard overdraft practices
• When an account is deemed as having insufficient funds, HFS will charge a Non Sufficient Funds (NSF) fee of
$20.00 for each transaction returned, or an overdraft fee of $20.00 for each NSF transaction paid by HFS.
• HFS will use its discretion to pay an overdraft. We do not agree to pay overdrafts in the future and may
discontinue covering overdrafts at any time without notice.
• Please remember your transactions may not be processed in the order they are made or the order received. This
will impact the way overdrafts are calculated so please manage your account carefully.
What is the benefit of having an overdraft protection plan
• An overdraft protection plan has many benefits. First it allows a member to have their
transactions paid by using one of their share accounts or line of credit, vs. being charged a fee for having nonsufficient
funds. This may also eliminate the fees you may incur from different vendors/payees. Using this
method will not only save you money, but will eliminate many potential headaches.
Kea’au Christmas Parade
This year many
of the HFS staff
worked diligently on a
beautifully crafted float for the
6th annual Kea’au Christmas
parade. This year’s theme
was “A Story Book Christmas”
and the parade featured many
elaborately decorated trucks
strung with Christmas lights.
The work of HFS staff paid off
with the crafty design of “The
Grinch Who Stole Christmas”
winning HFS first place in the
parade. The “whoville” houses and large
sleigh adorned with lights looked majestic as
the 40’ rig slowly drove through the crowded
streets. We would like to thank all staff and
volunteers for their hard work and look forward
to coming together next year to defend our title.
Gingerbread Festival
HFS proudly entered seven teams
this year in the 8th annual Easter
Seals Gingerbread Family Festival held
at the Sangha Hall. This event is held
as a fundraising event for the Easter
Seals Program, which provides services
to infants, children and adults with
disabilities and special needs. Participants
are provided with Gingerbread house
kits and with laughter and teamwork
are tested on their creative and building
skills. The theme this year was “Songs of
Christmas” and HFS proudly represented
our name, taking home three of the five
awards. We are proud to support our
community and we congratulate and
thank all staff who volunteered their time
to support this great cause.
did you know
Express Deposits and Night Deposits,
A service for you
Here at HFS we have express deposit
boxes and night deposit drops at all branches.
Express deposit boxes can be found inside
the branch. All you need to do is stop by our
offices during normal business hours and
simply place your check or payment inside
the deposit envelope provided, fill out the
form, and your deposit will be posted on the
same business day.
Need to make a deposit but are unable
to visit us during normal business hours
Then drop off your transactions in our night
deposit drop. Night deposit drops can be
found on the exterior of our buildings and are
available 24 hours for your deposits. These
are checked at 9:00 a.m. every morning so
rest assured that your transactions will be
posted the next business day.
No Waiting In Lines!

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 18 years of age as of April 18th, 2010.
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 9th, 2010.
The election will be by ballot boxes. Balloting as necessary will be conducted from April 8th, 2010
through April 13th, 2010 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 18th, 2010.
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:
JOHN KIMURA
• Member of HFS Federal Credit Union since 1978
• Seeking re-election
• Member of the Board of Directors of HFS Federal Credit Union since 2008
• Retired, Electrical Contractor and Business Owner
RONALD FURUKAWA
• Member of HFS Federal Credit Union since 1959
• Seeking re-election
• Member of the Board Directors of HFS Federal Credit Union since 2007
• Retired, Keaau Elementary School Principal and Certified Public Accountant
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. . . . . . . . . . . . . . . . . . Friday, January 1, 2010
Dr. Martin Luther King Jr. Day. . . . . . . . . . Monday, J anuary 18, 2010
Presidents Day. . . . . . . . . . . . . . . . . . Monday, February 15, 2010
Memorial Day. . . . . . . . . . . . . . . . . . . . . . . Monday, May 31, 2010
Independence Day. . . . . . . . . . . . . . . . . .Monday, July 5, 2010
Labor Day. . . . . . . . . . . . . . . . . . . Monday, September 6, 2010
Columbus Day. . . . . . . . . . . . . . . . . .Monday, October 11, 2010
Veterans Day. . . . . . . . . . . . . . . Thursday, November 11, 2010
Thanksgiving Day. . . . . . . . . . .Thursday, November 25, 2010
Christmas Day. . . . . . . . . . . . . . Saturday, December 25, 2010
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
MAXX 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:
Aldon Hara
Alex Kay-Wong