2015 - 06 - OTS Employees Federal Credit Union

June 2015
Annual meeting brings members together
O
TS Employees FCU held
its annual meeting on
Saturday, March 28, 2015
at the Ala Moana Hotel. Five
board members were up for
re-election and all incumbents
were voted in for another term.
Congratulations to Nukilani
Baker, Joshua Harding, Guy
Moriwaki, Eric Nakashima, and
Luis Navarro on being reelected.
After the business meeting, the
nearly 150 members in attendance
enjoyed a prime-rib dinner buffet,
music and magic by our very
own Rueben Lauronal of OB-1
Productions, plus Casino Night, of
Board of Directors
President
Treasurer
Guy Moriwaki
Stephen Nakanishi
Vice Chairman
Directors
Luis Navarro
Nukilani Baker
Secretary
Joshua Harding
Eric Nakashima
Ron Hasegawa
Supervisory Committee
Chairman
Members
Chad Muranaka
Joshua Harding
Richard Mole
course, these fabulous prizes:
$100 cash for the Karaoke
Contest Winner
• Over $520 gift cards and prizes
donated by vendors
• Over $400 Casino cash prizes
• $1500 Cash Grand Prize, won
by member Pam Sumimoto
Thank you to all who attended!
Please join us next year at
the Honolulu Country Club,
Saturday, March 26, 2016.
•
OTS EFCU Board Members (L-R): Treasurer Stephen
Nakanishi, Director Ron Hasegawa, Vice Chairman
Luis Navarro, Secretary Eric Nakashima, Chairman
Guy Moriwaki. (Missing: Directors Nukilani Baker and
Joshua Harding.)
Eloy Birtodaso
Jr. and guest
enjoy the
evening.
Clyde Kimura and guest, Les Morita, and Katherine and
Lawrence Costa.
Kili Kalalau with Carol and Darryl Ohelo enjoy a game
of Black Jack.
Vice Chairman
Luis Navarro
congratulates
prize winner
Lawrence
Ligot.
OTS Employees Federal Credit Union ● 811 Middle Street Honolulu ● Hawaii 96819 ● (808) 848-4408
AutoSMART makes car buying easy
RATES
LOANS
Sub Account
New Auto
Approx. Term Daily Periodic Rate
60 Months
0.019041%
72 Months
0.021780%
Used Auto
60 Months
0.021780%
Share Secured 36 Months
0.013699%
120 Months
0.016438%
50% Share
Secured
12 Months
0.023287%
36 Months
0.026027%
60 Months
0.028767%
Signature
12 Months
0.023973%
24 Months
0.026027%
36 Months
0.028767%
48 Months
0.030822%
60 Months
0.033562%
MORTGAGES
Please inquire at the credit union for rates
APR*
6.95%
7.95%
7.95%
5.00%
6.00%
8.50%
9.50%
10.50%
8.75%
9.50%
10.50%
11.25%
12.25%
Late charges: You agree to $15.00 If any advance is past 15 days.
Collection cost: You promise to pay all costs of collecting the amount
you owe under this agreement including court costs and resonable
attorney fees.
Removal of collateral: You must notify the credit union prior to
removal of any collateral from the island of Oahu.
SHARES
Tiers
Dollar Amounts
1
$50 - $999.99
2
$1,000 - $4,999.99
3
$5,000 - $9,999.99
4
$10,000+
CHRISTMAS SHARES
Apy**
0.10%
0.15%
0.20%
0.25%
Min. To Open
$50
$50
$50
$50
Apy**
0.25%
Min. To Open
$0
SHARE CERTIFICATES
Terms
Apy**
Min. To Open
6 Months
0.35%
$500
12 Months
0.50%
$500
24 Months
0.75%
$500
36 Months
1.00%
$500
60 Months
1.25%
$500
SHARE DRAFTS (CHECKING)
Apy**
Min. To Open
0.10%
$0
INDIVIDUAL RETIREMENT ACCOUNT (IRA)
Terms
Apy*
Min. To Open
IRA Share
0.50%
$500
36 months IRA Share Certificate 1.00%
$500
60 months IRA Share Certificate 1.25%
$500
*Annual Percentage Rate (APR)
**Annual Percentage Yield (APY)
Rates are subject to change daily without prior notice
Fees could reduce the earnings on the account for your share
account
Early withdrawal penalties may apply for share certificates
Monday-Friday 8am-4pm
811 Middle Street
Honolulu, Hawaii 96819
(808) 848-4408
www.otsefcu.org
B
uying a car or having root
canal? Both may seem
equally painful, but it
doesn’t
have to
be. OTS
EFCU
partners
with CU Direct Corporation
(CUDL) to give our members the
best car buying experience at the
best loan rates.
Be an akamai auto shopper
with AutoSMART Go to the OTS
EFCU web site and click on the
AutoSMART link. Take advantage
of the information and resources
available on the web site to make
your auto buying experience
easier and more satisfying.
When you
are ready,
visit OTS
EFCU and
request to get
pre-approved. Then ask them to
recommend a CUDL AutoSMART
dealer. Be sure to call the
recommended dealer first and
make an appointment with the
CUDL contact to get the best
service. Don’t forget to mention
your credit union recommended
them.
Need a New Car? Your CU Membership helps
you save big
O
TS Employees FCU
has great ways for our
members to save on a new
vehicle
purchase.
The
Credit
Union Member Discount from
GM offers all current and
eligible credit union members
exclusive discounts on a new
Chevy, Buick or GMC vehicle.
This is in addition to the most
current incentives and special
offers! Depending on the vehicle,
you could save hundreds, even
thousands of dollars on your next
new Chevrolet, Buick, or GMC
vehicle purchase just for being
a credit union member.
Visit LoveMyCreditUnion.org to
see how much you can save and
request your GM Authorization
Number.
Our members can save big with
great low rates when you finance
your new vehicle through OTS
Employees FCU. Contact us at
848-4408 to find out more about
your vehicle
financing
options.
talk about savings.
say hello to the Sprint Credit Union Member Discount.
Consumers
Save
Businesses
Save
10% 15%
or
On select regularly priced Sprint monthly service.
Plus, waived activation & upgrade fees (up to
$36 in savings each).
Learn more
• Call: 877.SAVE.4.CU
• Visit: www.SprintStoreLocator.com
• Click: LoveMyCreditUnion.org/Sprint
Be sure to mention this code for your
discount
• Consumer: NACUC_ZZM
• Business: NACUC_ZDS_ZZM
Credit union membership validation
is required.
Credit approval req. Early Termination Fee (sprint.com/etf): After 14 days, up to $350/line. IL
Discount: Available for eligible company employees or org. members (ongoing verification).
Discounts subject to change according to the company's agreement with Sprint and are available
upon request for monthly svc charges on select plans. Discount only applies to data buy-ups/addons for Unlimited, My Way and Framily plans, Talk 450, and primary line on Talk Share 700.
Other Terms: Offers and coverage not available everywhere or for all phones/networks/plans.
Restrictions apply. See store or sprint.com or www.lovemycreditunion.org/Sprint. ©2014 Sprint.
All rights reserved. Sprint and the logo are trademarks of Sprint. Other marks are the property
of their respective owners.
2014 Sprint Item #800-19
©2014 CU Solutions Group 091614 3528