2nd Quarter - HFS Federal Credit Union

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HFS HFS IN OUR COMMUNITY Earlier this year your Credit Union partnered with the University of Hawaii at Hilo Marketing department, Waiakea High School and Kamehameha High School to establish and carry out a research project which looked at the differentiation of our organization from our competitors. Our students and future leaders worked diligently on a semester long project aimed at developing ways for our organization to be more sustainable and community oriented. The project ended with a competition between the many teams, judged by over 20 members of the business community including various managers of HFS FCU. The winning team (shown below) had many great ideas, a professional presentation, and materials and research that matched. Our prize to the winning team was a $150 donation to a charity of their choice. They chose the Michael J. Fox Foundation, a charity which has donated more than $170 million to Parkinsons research. We are glad to have participated in this project and look forward to future collaboration between our credit union and the local schools in hopes to better educate and help our community reach financial success. LET’S G0 I e o w b m v You may sign up for these servic If you have any questions or nee vices please contact the credit u Changes to Your Credit Card Agreement! In February 2010, the Credit Card Accountability, Responsibility and Disclosure (CARD) Act took effect intending to make it easier to manage your credit card account. To comply with the new Regulation, we have made the following changes to your Credit Card Agreement. SUMMARY OF CHANGES • Over-the-Credit-Limit Fee. We will no longer charge a fee for going over your credit limit. However, keep in mind that we may decline any transaction that would cause you to exceed your credit limit. To avoid this inconvenience when using your credit card, it is more important than ever to know how close you are to your limit. You can easily find out your available credit any time by calling the number on the back of your card (1-800-808-7230) or by visiting www.hfsfcu.org. On the HFS home page click on Online Banking then connect to eZCardInfo. eZCardInfo’s online banking can be used to set up automatic alerts that let you know when you are approaching your limit. • Payment Due Dates. For your convenience, your payment date will now fall on the same date of each month and will be at least 25 days from the closing date printed on your statement.
GREEN! t’s time to go green Big Island. HFS has many lectronic services that are ffered to our members which ill not only reduce waste, ut will save you time and oney. A few of these serices are: -Online Banking -E-Statements -Online Bill Pay es online at www.hfsfcu.org. d assistance with these sernion at 930-1400. did you know We Have Coin Machines! Bring those piggy banks and coin jars to HFS today! We have a coin machine that will count them for you. Simply pour your coins in, and the machine will print out a deposit ticket for you to take to the counter. These are a big hit with our young members as not only is it fun, but it encourages them to save money. No more messing with counting and rolling your coins. Best of all, there is no charge to use these coin machines. Stop in to try one today! Coin machines are available at our Hilo, Kea’au, Waimea, and Kona Coast branches. ATTENTION HOMEBUYERS Now is a great time to buy! Let us tell you why. The First-time homebuyer tax credit of $8,000 has been extended until April 30, 2010. However, buyers who enter into a binding sales contract by April 30, 2010 and close by June 30, 2010 will also qualify. The tax credit has also been expanded to include a $6,500 tax credit for those who have lived in their current residence for at least five of the last eight years. This means that both first-time buyers and current homeowners are now eligible for the tax credit. Another reason to buy is that interest rates remain at an all-time low and currently there is a vast selection of homes on the market. What better time to find that home of your dreams, seal the deal, and receive a large tax credit that may never be offered again. HFS offers competitive first and second mortgages which have the following benefits: -Competitive interest rates -Flexible qualification guidelines -One-on-one service and assistance -No prepayment penalty -In-house mortgage and loan servicing For more information or to apply for a mortgage loan today visit any one of our six branches or call us at (808) 930-1400 or toll free at (800) 216-2666. Let us help you experience home ownership!
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2nd Quarter - HFS Federal Credit Union

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