All-New Online Bill Pay - Hickam Federal Credit Union > Home

“We Make a
Difference in Our
Members’ Lives”
Hickam Difference
THE
A quarterly publication for Hickam FCU members
COMING APRIL 20!
2ND QUARTER 2016
All-New Online Bill Pay
Enhanced Features & Accessible Via Mobile Banking
To avoid becoming victim to an identity thief, it is important to keep
personal and financial documents safe and secure. Properly storing
important documents not only will help thwart identity theft, but can
also help eliminate clutter and keep you organized.
Ways to keep your financial and personal information safe and
secure include:
Receive financial statements electronically
Alleviate clutter and add security by signing up to receive billing
and financial statements electronically. Not only will you eliminate
the chances of your financial information being lost, or even stolen
from your mailbox, you will no longer have the clutter of paper
statements. Another advantage is that your electronic statements can
be easily secured and stored on your computer or online financial
account.
Keep important documents in a locked filing cabinet or
fire/waterproof safe
Securing personal and financial documents under lock and key will
help keep all your documents organized and will prevent them from
being accessed by someone who could use the information to steal
your identity. It is also a good idea to store hard to replace
documents, such as Social Security cards, birth certificates, marriage
Coming April 20th, Hickam FCU’s enhanced Online Bill Pay will
have a fresh, new look and improved navigation for ease of use.
Online Bill Pay is a fast, easy, and secure way to pay your bills to
virtually anyone, at anytime, and just about anywhere.
Save time and money by not having to write checks, buy
stamps, or stress about missing payments. With Online Bill Pay
you can schedule automatic payments for recurring bills and not
worry about when payments are due. Other great features of our
Online Bill Pay include:
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Ability to pay bills via Mobile Banking
Review payment history
Group payments into categories for better organization
Receive electronic copies of your bills or eBills
Best of all, Online Bill Pay is free! Visit www.hickamfcu.org
to enroll in Online Banking and sign up for Bill Pay.
New Pearl City Branch
& Corporate Headquarters
Hickam FCU is excited to announce construction on our new
Pearl City Branch and Corporate Headquarters has begun!
Located at the corner of Kuala St. and Kaakepa St. in Pearl
City, the future branch neighbors many well-established commercial
centers that include Pearl City Gateway Shopping Center, Pearl
City Highlands Shopping Center, Pearl City Shops, and a planned
major rail station.
Make Your Hickam FCU MasterCard®
Payments and Manage Your Account Online
Manage your Hickam Federal Credit Union MasterCard® credit
card conveniently, online with eZCardInfo.com.
From your computer, tablet or mobile device, you can view
account balances, available credit, current and past transactions,
make payments, set alerts, and view statement history anytime,
anywhere, 24 hours a day, 7 days a week.
Enrolling is a breeze! Simply visit www.hickamfcu.org and
click on the eZCardInfo link. Then, use it to manage your
MasterCard credit card account and pay your bills when it’s
convenient for you.
COMING SOON
Personalize Your
Hickam FCU Credit Card
Hickam FCU announces ePix, a customizable, personalized photo card service
that will make taking your credit card out of your wallet something to be proud
of. Showcase pictures of your family, pet, favorite vacation scene, sporting
moment, or just a great photo on your Hickam FCU credit card. Or, you can
choose from an image gallery of various themes such as Americana, animal
kingdom, seashore, artistic, active, money, regional scenic, textures and
travel destinations.
The Custom Card Designer, a secure web-based order platform, makes it easy for Hickam
FCU members to create an individualized credit card that is as personal and unique as they are.
Celebrating79 Years of
Member Service
On Saturday, February 27th, nearly 1,000 members
and guests gathered at the Hawaii Convention Center
for Hickam Federal Credit Union’s 79th Annual
Membership Celebration. The evening was filled
with great food, fun, and dancing. After a delicious
Prime Rib Dinner Buffet the spectacular Ben Vegas
and Maila Gibson took the stage and filled the
ballroom with a wonderful mix of island and
contemporary music. 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 Rocky Brown and Jordan Segundo.
We would like to thank all of you who joined
us for an evening of fun and fellowship and look
forward to seeing you again next year for our
80th celebration!
Board of Directors Adrian Yunson,
Carol Ebia, and Ray Romero
congratulate Grand Prize winner
Marlene Storaasli.
During the 79th Annual
Membership Celebration
Hickam FCU President/CEO
Gerard Auyong (left) and Board
Vice Chairperson Carol Ebia
(right) congratulated Employees
of the Year Matasaua “Saua”
Epenesa (center, left) and Rica
Castaneda (center, right).
Young people face a bewildering financial landscape in their immediate
future—one where technology has made spending as easy as breathing
and the cost of higher education skyrocketing. That’s why we believe
it’s more important than ever to ensure our youth gain and possess
strong money management skills.
As a not-for-profit financial cooperative, our core values include
member education and social responsibility. We care about the
community where we live and work, and the people in it. We look
forward to watching the next generation grow and make it even better.
By instilling the habit of saving, offering positive encouragement,
and providing financial education, we can prepare our community’s
youngest members for brighter futures by helping them grow into
financially fit adults. Credit union strong means having the money skills
to embrace an awesome future, and leaving your community better than
you found. That’s why we take our mission of helping youth so seriously.
Of course, we realize the biggest influence on anyone’s life is their
parents. So if you want to start your kids on a path to financial strength,
then participating in Credit Union Youth Month is a good start.
Burdened by
Heavy Taxes?
Now that the tax season is almost over, you may be
relieved. But, instead of anticipating a return you
realize that you may have to owe a large amount of
taxes to the IRS. So, what can you do? Here are a few
payment solutions for that unexpected tax bill.
1. Pay With a Credit Card
Paying with one or more credit cards is an option if you have
adequate credit available and you are comfortable with the balance
payments. Although the solution is convenient, it is not necessarily
We
encouraged especially if your credit card has high interest
rates and fees that could undermine the quick fix.
2. Obtain a Low Rate Personal Loan
Instead of creating credit card balances that are difficult
to pay down, you may want to seek a personal loan that
could help with paying your tax bill and offer a chance
to consolidate other high interest rate debt. Seek a personal
loan that offers a combination of rates and terms to fit
your monthly budget.
3. Use Your Home to Pay Your Tax Bill
If you own a home, borrowing against its equity may be one
of the better options. Interest rates for a Home Equity Line of
Credit tend to be lower than credit cards and the interest
may be tax deductible. Consult with your tax advisor.
Making a Difference
Providing Free Tax Preparation For Those Needing Assistance
For the ninth 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 and Pearlridge branches, for over 160
individuals who might otherwise not have access to reliable or affordable tax preparation service or taken advantage of eligible tax credits.
Keep More Money in Your Pocket
With Low-Rate Loans
From Hickam FCU
Auto Loans
Motorcycle Loans
Personal Loans
Home Equity Lines of Credit
Credit Cards
For more information on our loan products or current specials
visit www.hickamfcu.org, stop by a branch,
or call Loans at 432-9888.
PRSRT STD
U.S. Postage
PAID
P. O. Box 30025
Honolulu, HI 96820
Honolulu, HI
Permit No. 9235
Holiday Closures
Memorial Day
Monday, May 30, 2016
Independence Day
Monday, July 4, 2016
STANDARD LOAN RATES (Effective 4/1/14)
NEW AUTO**
(Over $15,000)
(Over $20,000)
USED AUTO**
(Over $15,000)
(Over $20,000)
PERSONAL**
APR*
As low as
1.74%
2.24%
2.74%
3.74%
4.74%
2.24%
2.74%
3.24%
4.24%
4.74%
5.75%
6.25%
6.75%
7.25%
Terms
1-3 years
4 years
5 years
6 years
7 years
1-3 years
4 years
5 years
6 years
7 years
2 years
3 years
4 years
5 years
Monthly Payment Example
Per $1,000 Borrowed
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
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
24 monthly payments of $44.21
36 monthly payments of $30.54
48 monthly payments of $23.84
60 monthly payments of $19.93
*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.
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
Audio Response
(808) 218-6000 (Oahu)
Toll-free: 866-903-4328
(Continental U.S & Neighbor Islands only)
Main Branch
Joint Base Pearl Harbor-Hickam
Mon-Thurs, 8am-4pm. Fri, 8am-5pm.
Mililani Branch
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.
Kahala Mall Kiosk Branch
Kahala Mall
Mon-Fri, 10am-6pm. Sat, 10am-3pm.
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
Tina Mendes
Director
Cheryl Suzuki
Director
Adrian Yunson
Director
Supervisory Committee
Michael Meaney
Chairperson
Curtis Popa
Secretary
Frederick Mark
Member
The Hickam Difference is
a newsletter published quarterly.
Information herein is deemed
accurate at the time of printing.
Federally insured by NCUA