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“We Make a
Difference in Our
Members’ Lives”
THE
Hickam Difference
A quarterly publication for Hickam FCU members
ALL-NEW, INNOVATIVE
Kahala Mall Kiosk Branch
2ND QUARTER 2015
NOW OPEN
Providing service convenience and affordable financial products
to our members and to the entire island of Oahu are Hickam
Federal Credit Union’s top priorities. That’s why
on April 1st Hickam Federal Credit Union
opened its fifth branch location, an all-new
innovative kiosk branch in the Kahala
Mall. The Kahala Mall kiosk branch is
the first-of-its-kind banking concept in
Hawaii. Credit union members will be
able to conduct many of the typical
banking transactions through self-service
touch-points including an advanced
function ATM, a product and service
browsing bar and concierge station, and an
in-lobby teller terminal capable of conducting
envelope-free check deposits for members.
If you are visiting Kahala Mall or are in the area, stop by! The
Hickam FCU kiosk branch hours are Monday thru Friday 10:00 a.m. to
6:00 p.m., Saturday 10:00 a.m. to 3:00 p.m., and closed on Sunday’s and observed
federal holidays. The kiosk is conveniently located near California Pizza Kitchen.
To avoid becoming victim to an identity thief, it is important to keep
personal and financial documents
safe and secure.
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To celebrate the opening of
our Kahala Mall Kiosk Branch
take advantage of these great
limited-time loan specials!
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Goo 1/2015
5/3
Apply at any branch,
online at hickamfcu.org,
or call Loans at 432-9888.
s.
term
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3
*
o
up t oun 00.*
*Annual Percentage Rate (APR) is the lowest rate available for up to a 36-month term. **Minimum loan amount is $1,000. Maximum loan amount is
For oan amto $25,0
L 000
$25,000. No refinancing of existing Hickam FCU personal loans. For this special, the monthly payment amount for a $10,000 personal loan with a 36$1,
month term would be $288.65. All loans are subject to approval. Certain terms and conditions apply. Rates subject to change.
+Annual Percentage Rate (APR) disclosed is the lowest rate available based on up to a 60-month term. Maximum loan amounts are based on 120% MSRP for New Auto
Loans and 100% Kelley Blue Book Retail Value for Used Auto Loans which both may include tax, license, GAP, extended warranty or other auto related add-ons. Higher rates
may apply depending on loan term or collateral. No refinancing of existing Hickam FCU auto loans. For this Special, the monthly payment amount for a $20,000 new or used auto loan
with a 60-month term would be $355.00. All loans are subject to approval. Certain terms and conditions apply. Rates subject to change.
Celebrating 78 Years of Member Service
On Saturday, February 28, nearly 1,100 members and
guests gathered at the Hawaii Convention Center for
Hickam Federal Credit Union’s 78th Annual Membership
Celebration. The evening was filled with great food, fun,
and dancing. After a delicious Prime Rib Dinner Buffet
the electrifying Kapena took the stage and filled
the ballroom with beautiful island music and got
guests out of their seats for a dance floor filling
Electric Slide. And the excitement continued,
as guests were asked to pull out their lucky
tickets for door prizes, which included $1,000
in cash prizes and a Grand Prize of a
$1,000 Travel Certificate. And of course,
the evening could not end without late-night
dancing to the popular Nueva Vida featuring
special guest singers Rocky Brown and
Jordan Segundo. We would like to thank all
Ray Romero, Chairman,
of you who joined us for an evening of fun and
congratulates Grand Prize Winner
fellowship and look forward to seeing you again
Jeanielle Mattimoe-Dixon.
next year for another memorable celebration.
Hickam FCU Honors
Employee of the Year
During the 78th Annual Membership Celebration, Hickam FCU
honored its 2014 Employee of the Year, Tracey Lynn Murakami,
Call Center Representative. Tracey was selected as Employee of
the Year because she has made an unwavering commitment to
achieving excellence. She is considered to be an outstanding
performer in the areas of communication, dependability, initiative,
and teamwork. Tracey plays an instrumental role in the day-to-day
functions of the Call Center and provides exceptional member
service by way of phone, email, and Online Banking.
Since joining Hickam FCU in 2013, Tracey has gained the
deserving respect of co-workers and peers alike and regularly
volunteers for many of our community service events. Tracey
exhibits positivity, team loyalty, and goes the extra mile to ensure
quality service to our members. Hickam FCU would like to
congratulate and thank Tracey Lynn Murakami for her commitment
to making a difference.
Carol Ebia, Vice
Chairperson (left)
and Gerard Auyong,
President/CEO
(right) congratulate
employee of the
year Tracey Lynn
Murakami (center).
We Making a
Difference
Providing Free Tax Preparation
For Those Needing Assistance
For the eighth consecutive year Hickam Federal Credit Union has
participated in the Volunteer Income Tax Assistance (VITA)
program and provided free income tax preparation service to
low-income individuals, individuals with disabilities, non-English
speaking taxpayers, and the elderly.
From January thru April, Hickam FCU staff volunteers prepared
tax returns, at the Kapolei, Mililani, and Pearlridge branches, for
over 180 individuals who might otherwise not have access to
reliable or affordable tax preparation service or taken advantage
of eligible tax credits.
DONATIONS NEEDED
For Lei of Aloha Service Project
Hickam FCU will be assisting with the Girl Scouts of Hawaii for
their “Lei of Aloha Service Project”. The project includes making
leis for the Hawaii State Veterans Cemetery. If you would like to
assist by making a donation of flowers or an 18 inch lei made of
flowers, ribbon, or yarn please drop the items off at any
Hickam FCU branch on Friday, May 22, 2015. Mahalo for
your support.
COMING SOON
All New Mobile Banking
To better serve our members with enhanced innovation, security, and convenience,
Hickam FCU will be launching an all-new Mobile Banking experience. The new
Mobile Banking will feature an updated look, improved functionality and
navigation, and single sign-on for added security. The upgraded Mobile Banking
service will also include new apps that can be downloaded and used on a
number of different devices including Apple® and Android® smartphones and
tablets.
A new feature to Mobile Banking will be the ability to perform Remote
Deposit Capture. This innovative feature will allow members to deposit checks
by simply scanning or taking a photo of the check and submitting it to the
credit union via Mobile Banking. With Remote Deposit Capture, Hickam
FCU is making depositing checks easier and more convenient than ever!
Be on the look out for more information on the exciting new Mobile Banking
experience by visiting hickamfcu.org.
National Credit Union
Youth Month
At Hickam Federal Credit Union we’re not “lion” when we say saving should start
at an early age. It is important for cubs of all ages to learn about good money
management and how to save.
During the month of April, keiki will have the opportunity to go on safari at the
credit union as Hickam Federal Credit Union celebrates National Credit Union
Youth Month™. This year’s theme “Wild About Saving™” encourages keiki to use
resources available at the credit union to help them cut their way through the jungle
of financial responsibility. Before long, they’ll be leading their own savings safari.
Bring your keiki to Hickam Federal Credit Union to get in on the action and get
them wild about saving!
Open a Keiki Savings Account during National Credit Union Youth Month
and your child will receive a FREE piggy bank.*
*While supplies last. Offer good thru 4/30/2015.
Bewarecof
Cashierí
scCheckcScams
Hickam FCU would like our members to be aware that fraudsters have produced counterfeit cashier’s checks using the
credit union’s information and image to appear legitimate. The fraudsters are using the counterfeit checks to scam victims
by claiming to be from a Mystery Shopper marketing firm. The fraudsters ask the victims to purchase gift cards with funds
from a fraudulent cashier’s check. Once the gift cards are purchased the victim is then asked to send the card number and
PIN information on the back of the gift card to the fraudster.
Individuals in Hawaii and several states across the Mainland have received these checks and deposited them to their
financial institution, which in turn alerted Hickam FCU of the counterfeit checks. If you receive a solicitation from a Mystery
Shopper and receive a Hickam FCU cashier’s check, do not deposit or make any purchases. If you have questions to the
authenticity of the check, feel free to call the credit union at 808-423-1391 or toll-free from the mainland at 1-800-432-4328.
PRSRT STD
U.S. Postage
PAID
P. O. Box 30025
Honolulu, HI 96820
Honolulu, HI
Permit No. 9235
Holiday Closures
Memorial Day
Monday, May 25, 2015
STANDARD LOAN RATES (Effective 4/1/14)
APR*
NEW AUTO**
(Over $15,000)
(Over $20,000)
USED AUTO**
(Over $15,000)
(Over $20,000)
PERSONAL**
As low as
Terms
Monthly Payment Example
Per $1,000 Borrowed
HICKAM FEDERAL CREDIT UNION
www.hickamfcu.org
(808) 423-1391(Oahu only)
Toll-free 800-432-4328
(Continental U.S & Neighbor Islands only)
Call Center Hours
Monday-Friday, 8am-6pm HST
Saturday 9am-3pm HST
Closed on Sundays and Holidays
1.74%
2.24%
2.74%
3.74%
4.74%
1-3 years
4 years
5 years
6 years
7 years
36 monthly payments of $28.53
48 monthly payments of $21.80
60 monthly payments of $17.86
72 monthly payments of $15.53
84 monthly payments of $14.02
2.24%
2.74%
3.24%
4.24%
4.74%
1-3 years
4 years
5 years
6 years
7 years
36 monthly payments of $28.75
48 monthly payments of $22.03
60 monthly payments of $18.08
72 monthly payments of $15.76
84 monthly payments of $14.02
Audio Response
(808) 218-6000 (Oahu)
Toll-free: 866-903-4328
(Continental U.S & Neighbor Islands only)
24 monthly payments of $44.21
36 monthly payments of $30.54
48 monthly payments of $23.84
60 monthly payments of $19.93
Mililani Branch
5.75%
6.25%
6.75%
7.25%
2 years
3 years
4 years
5 years
*Annual Percentage Rate. Rates are subject to change without notice. All loans are subject to credit
approval.
**Rate disclosed is the lowest rate available based on the establishment of automatic payment and for
applying online. For New Auto loans, rate disclosed includes an additional 0.25% discount with a down
payment of 20% or more. Maximum loan amounts are based on 120% MSRP for New Auto Loans and 100%
Kelley Blue Book Retail Value for Used Auto Loans which both may include optional equipment, tax, license,
GAP, extended warranty or other auto related add-ons. Higher rates may apply for New or Used Auto Loans
and Personal Loans depending on loan term, collateral, member’s credit performance, and/or the
cancellation of automatic payment. Terms indicated are for payment calculations only.
Main Branch
Joint Base Pearl Harbor-Hickam
Mon-Thurs, 8am-4pm. Fri, 8am-5pm.
The Town Center of Mililani
Mon-Fri, 10am-6pm. Sat, 9am-2pm.
Pearlridge Branch
Pearlridge Mall Uptown 2nd Level
Mon-Fri, 9am-6pm. Sat, 9am-3pm.
Kapolei Branch
The Marketplace at Kapolei
Mon-Fri, 10am-6pm. Sat, 9am-2pm.
Board of Directors
Ray Romero
Chairperson
Carol J. Ebia
Vice Chairperson
Abigail K. Nishida
Chief Financial Officer
Sharon K. Miyazawa
Secretary
Larry Damewood
Director
Duke T. Hiyama
Director
Wilbert M. S. Ho
Director
Tina Mendes
Director
Adrian Yunson
Director
Supervisory Committee
Cheryl Suzuki
Chairperson
Ron Bunda
Secretary
Curtis Popa
Member
The Hickam Difference is
a newsletter published quarterly.
Information herein is deemed
accurate at the time of printing.
Kahala Mall Kiosk Branch
Kahala Mall
Mon-Fri, 10am-6pm. Sat, 9am-3pm.
Federally insured by NCUA