3rd Quarter - HFS Federal Credit Union

Third Quarter 2010
HFS, Helping to Make
Real Miracles Happen!
on the inside...
A Change is Coming To
Your Checking Account
Local Partnership Saves
You Money!
We recently held one of our annual fundraisers aimed
at helping our local community, the Kapi’olani Childrens
Miracle Network. Each HFS branch collected
donations and beautifully displayed the thousands of
balloons in our lobbies. Children’s Miracle Network—
the alliance of premier hospitals for children—is a
non-profit organization dedicated to saving and improving
the lives of children by raising funds for children’s
hospitals across North America. Each year the
170 Children’s Miracle Network hospitals provide the
finest medical care, life-saving research and preventative
education helping over 17 million children overcome
diseases and injuries of every kind. Best of all,
100% of every dollar raised by HFS stays in Hawai’i!
Kapi’olani Medical Center (the only childrens hospital
in the state) provides specialized pediatric care to all
children regardless of race, religion, or ability to pay.
This year we raised an amazing $15,000. Special
recognititon goes out to the Hilo branch for raising
a total of $7,550 and to our top three individual
collectors; Lorna Krahner, Tammy Martines, and
Kristi Lei Tagalicud (shown on right). This incredible
fundraiser will help the many deserving Keiki in
our community and HFS is proud to bring the families
and community together in raising these funds.
We would like to thank our many members who donated
to make this our most successful year ever.
$15,000!
Lorna Krahner
Hilo Branch ($1,717)
Tammy Martines
Kea’au Branch ($1,656)
Safe Deposit Boxes
Available
Kristi Lei Tagalicud
Hilo Branch ($1,646)
Waimea
Hilo Branch-Operations Department

A Change is Coming to
Your Checking Account
New legislation that will take effect this
summer requires us to ask members to
opt-in for Courtesy Pay for one-time debit
card transactions. If you do not opt-in to
this service, beginning August 15, 2010,
HFS will no longer cover transactions that
may bring your account negative. Instead
these transactions will be declined and you
may face a very embarrassing and inconvenient
situation. You may opt-in to Courtesy
Pay for one-time debit card transactons in
any of the following ways:
1. Completing a Courtesy Pay Service
Request Form and returning it to HFS
in person or by mail, addressed to:
HFS Federal Credit Union
632 Kinoole Street
Hilo, Hawaii 96720
Courtesy Pay Service Request Forms
can be found at any branch, online, or
may have been previously mailed to
you.
2. By calling (808) 930-1400 or toll
free at (800) 216-2666.
What is Overdraft Protection &
Courtesy Pay
An overdraft occurs when you make a
purchase or perform a transaction but don’t
have enough money in your account to pay
for it.
SAY YES
Response Needed!
...to keep your debit card
overdraft privilege
Generally, the credit union can cover your overdrafts
in one of two different ways:
• Overdraft protection plans. These are
generally the least expensive way to
cover your overdrafts. The credit union
may offer a line of credit or a link to your
savings account to cover transactions
when you overdraw your account.
• Courtesy Pay. After all other forms of
overdraft protection plans are exhausted,
the credit union will cover your transaction
for a flat fee of $20.00 each time you
overdraw your account.
At HFS, Courtesy Pay is divided into two
types:
• Courtesy Pay for checks or automatic bill
payments
• Courtesy Pay for everyday debit card
transactions
HFS always attempts to pay for check or automatic
bill payments. However, to have this added
protection for everyday debit card transactions
you must opt-in (agree) to the additional coverage.
Why opt-in
Courtesy Pay for everyday debit card transactions
is an added level of protection that many
members have for their checking account. This
“just in case” service is often preferred by
members to being declined at the cash register.
If you do not opt-in, beginning August 15, 2010,
Courtesy Pay won’t apply to your everyday debit
card transactions. These transactions typically will
be declined when you don’t have enough money
in your account, and you will not be charged
overdraft fees.
Does having Courtesy Pay guarantee
all my transactions will be paid
No, Courtesy Pay is designed for emergency use
only. It’s not designed to continually overdraft
an account, and therefore has no predetermined
limit to which a member can draw.
If I don’t like Courtesy Pay, can I discontinue
it
Yes, if you decide the service is not worthwhile,
you or any joint owner can discontinue it at any
time by contacting the credit union. In addition,
the credit union will waive, at its discretion, any
reasonable fees incurred by you.
A Few Financial Tips
for 2010
- Make sure to check your credit
report at least once a year. Visit
www.annualcreditreport.com
to do so. This is the only official
site that entitles you to check
your credit report and it is truly
free. Keeping track of your credit
report and the charges and
accounts listed, may help you
to better manage your finances
and combat identity theft. If you
notice charges or accounts on
your credit report that are not
yours, you must report it immediately
to the credit bureaus
and have a fraud alert placed on
your account.
-As the economy forces many
of us to make changes to our
way of living and to focus more
on needs than wants, remember
your credit union is here to
help. If you find yourself in a
diffcult situation unable to make
your full car payment, or falling
farther and farther behind on
your credit cards, please visit
HFS and see what we can do for
you. We have various options
including consolidation loans,
loan modifications to minimize
payments, or credit counseling.
Remember, staying in contact
with us will help us to find ways
to assist you.
-Try to minimize the amount of
credit cards you hold and utilize.
It is reccomended to have no
more than three cards at any
time. By minimizing the amount
of cards you carry you will enable
yourself to better manage
those you do have. Also avoid
carrying large balances on your
high APR cards. If possible utilize
low interest Credit Cards like an
HFS VISA.

\
Local Partnership with HFN Saves You Money!
HFS has formed a valuable partnership with HFN, also know as Hawaii Fueling Network, one of the cheapest
providers of gasoline and diesel on the Island. Members, upon approval from Hawaii Petroleum, can receive a
HFN gas card which allows them to take a significant discount at the pump. Once a month your purchases will automatically
be deducted from your checking account. No more worrying about having cash or rising numbers at the
pump. Also there are no fees, no monthly service charges, no annual fees, and no cost for cards or replacements.
Don’t forget that your HFN card can be used for purchases at any of their six convenient HFN locations across the
Big Island.
- HFN Kailua Kona. 74-5558 B Kaiwi Street, Old Industrial Area, across from
Kailua Candy Co. Open 24/7 (24 hours, seven days a week).
- HFN Kawaihae. Minit Shop across from Young Brothers.
Open 5am-11pm, 7 days a week.
- HFN Laupahoehoe Minit Stop. Open 5am-11pm,
7 days a week.
- HFN Hilo Minit Stop. At the corner of Leilani Street and
Kanoelehua Avenue. Open 24/7
- HFN Hilo. At the corner of Leilani Street and Railroad
Avenue. Open 24/7
- HFN Wiki Wiki Gas. Orchidland
Drive, Pahoa. Open M-F 6am-
11pm, Sat. 7am-11pm,
Sun. 7am- 9pm
Visit any HFS
branch to pick
up an
application
today!
did you know
That you can pay your utility
bills at HFS!
I
t’s true. For your convenience, HFS accepts
payments for your electric, water, gas, cable,
sewer and telephone bills at any of our six convenient
branch locations. No more sending out
individual checks or driving around town. Simply
provide HFS with your utility payment stub and
we will take care of this as a service to you. As
a reminder, we cannot accept payments after
the due date and we will collect the full payment
amount required. For more information, visit any
of our branches, or call us at 808-930-1400
or toll free at 800-216-2666.
Kea’au Has Safe
Deposit Boxes Available
Do you need to store important documents If so, our Kea’au
branch still has Safe Deposit boxes available. Stop in today to
claim your spot. These boxes have a small annual fee and are
accessible during regular business hours. Please remember
Kea’au is open from 8:30am-1:30pm on Saturdays to make it
even more convenient for you. To set up a Safe Deposit box
stop into the Kea’au branch with a photo ID!
AVAILABLE SIZE
ANNUAL FEE
5” X 10” X 24” $ 30.00
7” X 10” X 24” $ 40.00
10” X 10” X 24” $ 50.00

NEW FEES
As the current cost of doing business rises, it is necessary that
we update our rates and fees so we may continue to provide
great service to our members. The following are changes we
have made to our rate and fee schedule.
Fee Schedule (Effective September 1, 2010)
Fee Type
Legal Notice Processing
(Tax Liens or Garnishments)
Prior to
September 1, 2010
Effective
September 1, 2010
$25.00 per account $50.00 per item
Returned Check/Item Fee $20.00 per check/item $25.00 per check/item
Wire Transfer
(Outgoing Domestic)
Wire Transfer
(Outgoing International)
Wescorp- Foreign Currency
Wire Transfer
(Outgoing International)
Wescorp- US Dollars
$10.00 $25.00
$20.00 $25.00
$40.00 $45.00
Introducing Manly Kanoa III
Do You Need A Business Loan
HFS recently established its business loan program
under Member Business Services Officer Manly Kanoa
III. Manly has been with HFS for just over a year and
brings with him a wealth of business lending knowledge
from his time at Bank of Hawaii. In his short
time here at HFS, Manly has strategically partnered
with the Small Business Administration to offer loans
to our small business members at a time when they need it most. These loans
can be used for asset purchases, expansion, and debt consolidation. To learn
more about obtaining a business loan, please contact Manly at 808-930-1440 or
email him at manly@hfsfcu.org. We are glad to have Manly as part of our team
and hope to assist local businesses grow and succeed through our Member
Business Lending Program.
HOLIDAY CLOSINGS
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:
Alexander Kay-Wong