2nd Quarter - HFS Federal Credit Union
2nd Quarter - HFS Federal Credit Union
2nd Quarter - HFS Federal Credit Union
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Second <strong>Quarter</strong> 2010<br />
On Saturday February 20, 2010 over 1,500 members of<br />
the community gathered at Liliuokalani Gardens in Hilo to<br />
support the American Heart Association and their 13 th<br />
Annual Heart Walk. <strong>HFS</strong> and our dedicated staff were glad to<br />
assist with registration, as well as meeting our donation goal<br />
of $4,000. We would like to thank all volunteers and those<br />
who donated and participated to make this event a success.<br />
Special thanks goes out to Lola Wakida our team captain for<br />
her dedication to this cause. We look forward to supporting<br />
our community in the coming year as our way of saying thank<br />
you for using your credit union.<br />
on the inside...<br />
...CREDIT CARD<br />
CHANGES...<br />
...WE HAVE COIN<br />
MACHINES...<br />
...ATTENTION<br />
HOMEBUYERS...<br />
E-Lert --- What’s That<br />
Our online banking system now offers you the option to have emails sent to you<br />
when certain situations occur with your account. Situations may include a missed<br />
loan payment or that an account balance has gone below a set amount. This is a<br />
free service we provide to assist you in better managing your accounts. To setup<br />
e-lerts on your account visit our online banking site at<br />
www.hfsfcu.org, and under “Access Accounts” click on<br />
“Email Notifications.” If you have any questions please<br />
contact us at (808) 930-1400.<br />
<strong>HFS</strong><br />
FEDERAL CREDIT UNION<br />
Where Caring Counts
<strong>HFS</strong><br />
<strong>HFS</strong> IN OUR COMMUNITY<br />
Earlier this year your <strong>Credit</strong> <strong>Union</strong> partnered with the University of Hawaii<br />
at Hilo Marketing department, Waiakea High School and Kamehameha<br />
High School to establish and carry out a research project which looked at the<br />
differentiation of our organization from our competitors. Our students and<br />
future leaders worked diligently on a semester long project aimed at developing<br />
ways for our organization to be more sustainable and community oriented.<br />
The project ended with a competition between the many teams, judged by<br />
over 20 members of the business community including various managers of<br />
<strong>HFS</strong> FCU. The winning team (shown below) had many great ideas, a professional<br />
presentation, and materials and research that matched. Our prize to<br />
the winning team was a $150 donation to a charity of their choice. They<br />
chose the Michael J. Fox Foundation, a charity which has donated more than<br />
$170 million to Parkinsons research.<br />
We are glad to have participated in this<br />
project and look forward to future<br />
collaboration between our credit union<br />
and the local schools in hopes to better<br />
educate and help our community reach<br />
financial success.<br />
LET’S G0<br />
I<br />
e<br />
o<br />
w<br />
b<br />
m<br />
v<br />
You may sign up for these servic<br />
If you have any questions or nee<br />
vices please contact the credit u<br />
Changes to Your <strong>Credit</strong> Card Agreement!<br />
In February 2010, the <strong>Credit</strong> Card Accountability, Responsibility and Disclosure (CARD) Act<br />
took effect intending to make it easier to manage your credit card account. To comply with<br />
the new Regulation, we have made the following changes to your <strong>Credit</strong> Card Agreement.<br />
SUMMARY OF CHANGES<br />
• Over-the-<strong>Credit</strong>-Limit Fee. We will no longer charge a fee for going over your credit<br />
limit. However, keep in mind that we may decline any transaction that would cause you<br />
to exceed your credit limit. To avoid this inconvenience when using your credit card, it is<br />
more important than ever to know how close you are to your limit. You can easily find out<br />
your available credit any time by calling the number on the back of your card<br />
(1-800-808-7230) or by visiting www.hfsfcu.org. On the <strong>HFS</strong> home page click on Online<br />
Banking then connect to eZCardInfo. eZCardInfo’s online banking can be used to set up<br />
automatic alerts that let you know when you are approaching your limit.<br />
• Payment Due Dates. For your convenience, your payment date will now fall on the same<br />
date of each month and will be at least 25 days from the closing date printed on your<br />
statement.
GREEN!<br />
t’s time to go green Big<br />
Island. <strong>HFS</strong> has many<br />
lectronic services that are<br />
ffered to our members which<br />
ill not only reduce waste,<br />
ut will save you time and<br />
oney. A few of these serices<br />
are:<br />
-Online Banking<br />
-E-Statements<br />
-Online Bill Pay<br />
es online at www.hfsfcu.org.<br />
d assistance with these sernion<br />
at 930-1400.<br />
did you know<br />
We Have Coin Machines!<br />
Bring those piggy banks and coin jars to <strong>HFS</strong><br />
today! We have a coin machine that will count<br />
them for you. Simply pour your coins in, and<br />
the machine will print out a deposit ticket for<br />
you to take to the counter. These are a big hit<br />
with our young members as not only is it fun,<br />
but it encourages them to save money. No<br />
more messing with counting and rolling your<br />
coins. Best of all, there is no charge to use<br />
these coin machines. Stop in to try one today!<br />
Coin machines are available at our Hilo,<br />
Kea’au, Waimea, and Kona Coast branches.<br />
ATTENTION HOMEBUYERS<br />
Now is a great time to buy! Let us tell you why.<br />
The First-time homebuyer tax credit of $8,000 has been extended until April 30, 2010. However,<br />
buyers who enter into a binding sales contract by April 30, 2010 and close by June 30, 2010 will<br />
also qualify. The tax credit has also been expanded to include a $6,500 tax credit for those who<br />
have lived in their current residence for at least five of the last eight years. This means that both<br />
first-time buyers and current homeowners are now eligible for the tax credit.<br />
Another reason to buy is that interest rates remain at an all-time low and currently there is a vast<br />
selection of homes on the market. What better time to find that home of your dreams, seal the deal,<br />
and receive a large tax credit that may never be offered again.<br />
<strong>HFS</strong> offers competitive first and second mortgages<br />
which have the following benefits:<br />
-Competitive interest rates<br />
-Flexible qualification guidelines<br />
-One-on-one service and assistance<br />
-No prepayment penalty<br />
-In-house mortgage and loan servicing<br />
For more information or to apply for a mortgage loan today visit any<br />
one of our six branches or call us at (808) 930-1400 or toll free at<br />
(800) 216-2666. Let us help you experience home ownership!
Protecting Your Identity<br />
Identity thieves steal your personal information to commit fraud. They<br />
can damage your credit status and cost you time and money restoring<br />
your good name. To reduce your risk of becoming a victim, follow the<br />
tips below:<br />
Tips for Preventing Identity Loss<br />
• Don’t carry your Social Security<br />
card in your wallet or write it on<br />
your checks. Only give out your<br />
SSN when absolutely necessary.<br />
• Protect your PIN. Never write a<br />
PIN on a credit/debit card or on a<br />
slip of paper kept in your wallet.<br />
• Watch out for “shoulder surfers.”<br />
Use your free hand to shield the keypad when using pay phones and ATMs.<br />
• Collect mail promptly. Ask the post office to put your mail on hold when you<br />
are away from home for more than a day or two.<br />
• Pay attention to your billing cycles. If bills or financial statements are late,<br />
contact the sender.<br />
• Keep your receipts. Ask for carbons and incorrect charge slips as well. Promptly<br />
compare receipts with account statements. Watch for unauthorized transactions.<br />
• Tear up or shred unwanted receipts, credit offers, account statements, expired<br />
cards, etc., to prevent dumpster divers getting your personal information.<br />
• Store personal information in a safe place at home and at work. Don’t leave it lying<br />
around.<br />
• Don’t respond to unsolicited requests for personal information in the mail, over the<br />
phone or online.<br />
• Install firewalls and virus-detection software on your home computer.<br />
Financial Calculators<br />
As an additional service to our members, <strong>HFS</strong> has added financial calculators on our<br />
website for you to use. We have a wide variety of calculators including those used<br />
to calculate mortgage payments, savings, loan payments, retirement funds, and<br />
more. Visit www.hfsfcu.org to start computing today. They will not only help you in<br />
your decision making, but can be a great financial<br />
planning tool. Best of all they are completely free<br />
and you will have access to them 24 hours a day,<br />
seven days a week.<br />
If you have any questions please feel free to call<br />
930-1400.<br />
Driveway Improvements<br />
Please pardon the inconvenience as we continue our renovations of the Hilo office with<br />
driveway improvements. We are widening the Ululani street entrance to make it both safer<br />
and easier to use. Office hours remain the same, and, weather permitting, the improvements<br />
should be completed quickly. We are committed to providing you with the highest<br />
level of member satisfaction, and thank you for your patience during this renovation.<br />
HOLIDAY CLOSINGS<br />
Memorial Day. . . . . . . . . . . . . . . . . . . . . . . Monday, May 31, 2010<br />
Independence Day. . . . . . . . . . . . . . . . . .Monday, July 5, 2010<br />
Labor Day. . . . . . . . . . . . . . . . . . . Monday, September 6, 2010<br />
Columbus Day. . . . . . . . . . . . . . . . . .Monday, October 11, 2010<br />
Veterans Day. . . . . . . . . . . . . . . Thursday, November 11, 2010<br />
Thanksgiving Day. . . . . . . . . . .Thursday, November 25, 2010<br />
Christmas Day. . . . . . . . . . . . . . Saturday, December 25, 2010<br />
HOURS & LOCATIONS<br />
HILO<br />
632 Kinoole Street<br />
M-F 8:30am-5:00pm<br />
Drive-Up Window<br />
M-F 8:30am-5:00pm<br />
SAT. 8:30am-1:30pm<br />
KONA-COAST<br />
SHOPPING CENTER<br />
74-5586 Palani Rd.<br />
M-F 9:00am-6:00pm<br />
SAT. 9:00am-1:30pm<br />
KEAAU<br />
16-589 Old Volcano Road<br />
M-F 8:30am-5:00pm<br />
SAT. 8:30am-1:30pm<br />
Drive-Up Window<br />
M-F 8:30am-5:00pm<br />
SAT. 8:30am-1:30pm<br />
KEALAKEKUA<br />
81-958 Halekii Street<br />
M-F 8:30am-5:00pm<br />
PRINCE KUHIO<br />
111 E. Puainako Street<br />
M-F 9:00am-6:00pm<br />
SAT. 9:00am-1:30pm<br />
WAIMEA CENTER<br />
65-1158 Mamalahoa Hwy.<br />
M-F 9:00am-6:00pm<br />
SAT. 9:00am-1:30pm<br />
CALL CENTER<br />
808-930-1400<br />
800-216-2666<br />
M-F 8:30am-6:00pm<br />
SAT. 8:30am-1:30pm<br />
ONLINE SERVICES<br />
www.hfsfcu.org<br />
EMAIL ADDRESS<br />
hfsfcu@aloha.net<br />
MAXX Audio Response<br />
808-930-1489<br />
1-877-930-1489<br />
LOST OR STOLEN VISA CARDS<br />
Monday thru Friday<br />
Toll free (800) 808-7230<br />
After Hours and Weekends<br />
Toll free (800) 991-4964<br />
LOST OR STOLEN<br />
DEBIT CARDS & SHARE CARDS<br />
After Hours and Weekends<br />
Toll free (888) 643-3888<br />
DESIGN & LAYOUT:<br />
Alexander Kay-Wong