WE`RE IN THIS TOGETHER - HAPO Community Credit Union

MAIN LINE
509.943.5676
TOLL FREE
1.800.284.4276
MORT GAGE
509.946.2044
w w w. H A P O . o r g
LOCATIONS IN WASHINGTON & OREGON
For hours and maps to all our branches, please visit www.hapo.org
RICHLAND - MAIN BRANCH
601 Williams Blvd.
Richland, WA 99354
WESTON
103 N. Water Street
Weston, OR 97886
RICHLAND MEADOW SPRINGS
631 Gage Blvd.
Richland, WA 99352
HERMISTON
1905 N. 1st Street
Hermiston, OR 97838
RICHLAND - QUEENSGATE
3034 Duportail St.
Richland, WA 99352
KENNEWICK - UNION ST.
4 North Union
Kennewick, WA 99336
KENNEWICK - SOUTHRIDGE
4851 W. Hildebrand Blvd.
Kennewick, WA 99336
WALLA WALLA COLLEGE PLACE
2376 Taumarson Rd.
Walla Walla, WA 99324
WALLA WALLA EASTGATE
1850 E. Isaacs Ave.
Walla Walla, WA 99362
YAKIMA - CASTLEVALE
903 Seattle Slew Run
Yakima, WA 98908
KENNEWICK HAPO BUSINESS COMPLEX
7601 W. Clearwater Ave.
Kennewick, WA 99336
YAKIMA - TERRACE HEIGHTS
3001 Stonewood Ct.
Yakima, WA 98901
PASCO - BY THE AIRPORT
2701 North 20th Ave.
Pasco, WA 99301
YAKIMA - NOB HILL
6401 W. Nob Hill Blvd.
Yakima, WA 98908
PASCO - WEST PASCO / RD 68
4902 Road 68
Pasco, WA 99301
SUNNYSIDE - DOWNTOWN
322 South 6th Street
Sunnyside, WA 98944
07.12.2016
WE’RE IN THIS TOGETHER
Welcome
to
hapo!
TABLE OF CONTENTS
1
Welcome to HAPO!
2
Contact Us
3
The HAPO Difference
4
Merger Timeline
5
Frequently Asked Questions
10
Mobile Banking & eTeller
12
VISA Cards
13
Home & Auto Loans
14
Investment Accounts
15
Checking & Savings Accounts
WELCOME TO HAPO!
Hello New HAPO Member!
We are pleased to announce that the merger of Pine
Creek Federal Credit Union with HAPO Community
Credit Union was approved on May 31, 2016. We would
like to thank you for your ongoing patience and support
during the credit union merger process.
Since 1953, HAPO has been providing quality financial
products and services for people just like you and your
family. Our primary goal at HAPO is to deliver the best
possible service and value to meet your needs, while
operating in a safe and sound manner for our entire
membership.
On Wednesday, August 31, 2016, we plan to complete the final “Pine Creek system” conversion and
member data transfer over to HAPO. The Pine Creek
branch will close for one day (August 31st) and
reopen the following morning, September 1, 2016.
You will then have full access to HAPO’s additional 15
financial centers, ATM network and extended line of
financial services, including coming into the Pine Creek
branch and having immediate access to cash.
Your questions and feedback have been extremely
valuable and greatly appreciated during the merger
process. This guide has been created and will help you
understand the transition of your existing account and
includes a timeline with key dates and important information regarding your new HAPO account.
On behalf of the HAPO Board of Directors and your new
credit union, we again thank you for your support and
welcome you to HAPO Community Credit Union!
Sincerely,
Steve Anderson
President/CEO
HAPO Community Credit Union
Welcome to HAPO
1
CONTACT US
THE HAPO DIFFERENCE!
We are here
for
you!
We’re in this together
Thank you again for your HAPO membership. We
welcome any opportunity to better serve you. If you need
to speak to someone regarding your account, you can
reach us as follows:
Corporate Office . . . . . . . . . . . . . . . . . . . . . . . . . 509-943-5676
Out of Area (Toll Free) . . . . . . . . . . . . . . . . . . . . . 800-284-4276
Superior, personal
service since 1953
Mortgage Division . . . . . . . . . . . . . . . . . . . . . . . . 509-946-2044
HAPO members are the owners of the credit
union. As a member-owner you benefit in the
form of great rates, free or low cost services and
dividends.
Our roots go back to 1953, where we were
established by a group of non-exempt workers at
the Hanford nuclear site to provide a place to save
and borrow money. HAPO takes great pride in
bringing you above-and-beyond customer service,
where you are the difference.
Yakima Offices . . . . . . . . . . . . . . . . . . . . . . . . . . . 509-452-4276
Sunnyside Offices . . . . . . . . . . . . . . . . . . . . . . . . . 509-839-4276
Walla Walla Offices . . . . . . . . . . . . . . . . . . . . . . . 509-525-1286
Hermiston Offices . . . . . . . . . . . . . . . . . . . . . . . . 541-567-1500
Lost or Stolen Hotlines:
Lost Credit Cards . . . . . . . . . . . . . . . . . . . . . . . . . .
Lost Debit Cards . . . . . . . . . . . . . . . . . . . . . . . . . .
(M-F 6am-6pm) . . . . . . . . . . . . . . . . . . . . . . . .
(After 6pm PST) . . . . . . . . . . . . . . . . . . . . . . . .
800-449-7728
509-943-5676
800-284-4276
800-854-6219
After Hours Phone Numbers:
24 Hour Hotline . . . . . . . . . . . . . . . . . . . . . . . . . . 509-946-3151
Out of Area (Account Info) . . . . . . . . . . . . . . . . . . . 888-221-4276
Routing Number:
HAPO’s routing number is 325181264.
Email us:
During normal business hours you can click on the “chat” button
at the top right of the Contact Us page on www.hapo.org. After
hours, you can email us at [email protected] and we’ll respond the
next business day. Please don’t send confidential information (e.g.,
passwords, social security numbers, etc.) via email.
FIND OUT MORE
online
Products and services to
exceed your financial needs
Holidays:
We are closed on all federal holidays. For more info on contacting
us, our hours, or locations, visit our website at www.hapo.org.
VISA Credit Cards, Auto Loans, Home Loans,
Savings, Checking, Certificate of Deposit,
and Money Market Accounts are just a few of
the products and services we offer. We make it
convenient for you to do all of your banking at
HAPO.
Mobile Banking and
Online Banking 24/7
Providing you with convenient services to ease
your hectic schedule is just one of the perks you
gain when you bank with HAPO. At HAPO we offer
mobile banking and online banking through HAPO’s
eTeller 24/7 where you can check account balances,
review recent account activity, transfer funds and
more.
We keep it local and
give to our community
Contributing to causes and organizations close
to home is important to us. At HAPO, we support
organizations that strengthen the overall health
and well-being of our communities in Southeastern
Washington and Northeastern Oregon. You can feel
confident that when you bank with HAPO, you are
supporting your neighbor, family and friends.
www.hapo.org
MAPS AND HOURS FOR OUR BRANCHES
2
Welcome to HAPO
Welcome to HAPO
3
MERGER TIMELINE
FREQUENTLY ASKED QUESTIONS
August 31, 2016 —
System Conversion Occurs
When will the system conversion take place?
The system conversion will begin Wednesday, August
31, 2016. The HAPO Weston Branch will be closed
during this process and reopen on Thursday, September
1, 2016, once the system conversion is complete.
The system conversion will begin Wednesday,
August 31, 2016. We will make every effort to
ensure a seamless transition. During the system
conversion, the Pine Creek branch will close for one
day (August 31, 2016), and reopen the following
morning, September 1, 2016, as the HAPO Weston
branch.
Will the Weston Branch remain open after the
system conversion?
Yes. The new HAPO Weston Branch will remain open
for business.
September 1, 2016 —
System Conversion Complete
Will the hours of operation be the same?
No. Starting September 1, 2016, the HAPO Weston
branch hours of operation will be extended to 9:00
a.m. – 6:00 p.m. Monday through Friday.
On September 1, 2016 the system conversion will
be complete. You may now begin using your new
HAPO account services.
Please visit www.hapo.org or see contact information
enclosed for all other branch hours and locations.
•Access to HAPO Financial Centers:
On September 1, 2016, you may start
conducting your banking at any HAPO
Financial Center including the HAPO Weston
Branch. The Weston Branch will be fully
equipped with all HAPO products and services
including checking accounts and the ability to
perform cash transactions.
What happens to my Pine Creek account(s)?
Your Pine Creek account(s) and available balances will
be transferred to HAPO during the system conversion.
Your new account at HAPO will reflect the same
account ownership.
If I currently have beneficiaries on my Pine Creek
account, will they transfer over to my new HAPO
account?
•Online and Mobile Banking Services:
On September 1, 2016, you will be able to
set up and access your account via HAPO’s
eTeller or HAPO’s Mobile App. These services
will allow you to make common account
transactions from the convenience of your
home or mobile device. Please visit www.
hapo.org, call our Contact Center at 800-2844276 or stop by any of our Financial Centers
for additional information.
Yes. Your current beneficiaries on file on your Pine
Creek account will be the beneficiaries on your new
HAPO account. If your beneficiary information is
incomplete or too vague, HAPO will be sending you
beneficiary designation forms to complete to ensure
accurate information is on file. If you have questions on
the current beneficiaries or would like to make changes
prior to the system conversion, please call or visit the
Weston branch.
FIND OUT MORE
online
www.hapo.org
TAKE ADVANTAGE OF ALL THAT WE OFFER
4
Welcome to HAPO
If I currently have a Pine Creek account and a
HAPO account, will my Pine Creek account merge
into my existing HAPO account?
No. Your existing Pine Creek account and balance will
be converted into a new HAPO account, resulting in
two HAPO accounts.
Welcome to HAPO
5
FREQUENTLY ASKED QUESTIONS
Can I close my Pine Creek account and open a new
HAPO account before the system conversion?
What information do I need to process a
transaction or to receive account information?
Yes. If you would like to close your Pine Creek account
prior to the system conversion you may do so at any
time. To open a new HAPO account, you may stop by
any current HAPO location or go to www.hapo.org to
utilize our online account opening service. If you have
a loan or an IRA account, it is strongly advised that you
wait until the system conversion.
At HAPO, protecting our member’s personal and
account information is one of our top priorities. For this
reason, you may be asked to provide your most current
identification and answer security questions. While our
goal is not to inconvenience you, we may also ask you
to provide us with additional information to complete
your member profile with HAPO. Your identification
may be requested on specific transactions and requests
as a method of verification. Security questions will also
be obtained for identification methods over the phone.
Will I have a new routing number?
Yes. HAPO’s routing number is 325181264.
Will my existing Pine Creek account number
change?
Yes. If your address on file at Pine Creek is correct, you
will receive a letter in August that will include your new
HAPO account number.
What if my address or contact information needs
to be updated?
It is very important that the Weston Branch has the
most current contact and mailing information for you.
Most correspondence regarding the merger and your
new HAPO account will be coming through the mail.
For security purposes, HAPO does not send mail to
accounts flagged with a bad address. If you need to
change your address or contact information, please
contact or visit the Weston Branch as soon as possible.
After the system conversion, you may call HAPO’s
Contact Center at 800-284-4276 or stop by any of our
Financial Centers for assistance with updating your
address and contact information.
Who can access my account?
Your new account at HAPO will reflect the same
account ownership as your Pine Creek account. Only
account owners may access or conduct transactional
business on accounts. Joint owners have full access to
all shares under the same account number.
6
Welcome to HAPO
What will happen to my Prepaid Reloadable
VISA card?
While HAPO does not offer pre-paid reloadable cards,
you will be able to continue to use your card through
August 30, 2016. The last day you will be able to
load funds on your card will be August 19, 2016. On
September 1, 2016, the remaining balance on your
card will be deposited into your HAPO savings account.
Once the system conversion is complete, you can call or
come in to any HAPO location to request an ATM card
or open a free Checking Account and receive an Instant
Issue Debit Card. HAPO also offers a variety of VISA
credit card options for your convenience.
What will happen to my direct deposit and/or
automatic payments?
To ensure there is not a delay in the posting of your
direct deposit or automatic payments, after the
completion of the system conversion, please update
any direct deposits or automatic payment information
to your new HAPO account number and HAPO routing
number as soon as possible. HAPO will continue to post
your current Pine Creek direct deposits and automatic
payments to your new HAPO account until April 1,
2017.
Are there any account or service fees?
HAPO is committed to keeping fees to a minimum
and consistent with others in the credit union industry.
Please refer to the Common Features included with the
new account disclosures for additional information.
You will continue to follow the Pine Creek Fee Schedule
until the completion of the system conversion. Your
HAPO account will be subject to HAPO’s Common
Features/Fee Schedule after the system conversion.
Are my deposits insured?
Yes. Your deposits will continue to be insured by the
National Credit Union Administration (NCUA). Please
contact HAPO’s Contact Center at 800-284-4276
or visit any of our Financial Centers for additional
assistance.
Will I get paid dividends on my
Pine Creek account?
Yes. Eligible Pine Creek accounts will receive a final
dividend deposit on Wednesday, August 31, 2016 and
a final paper statement will be mailed to all account
holders. HAPO dividends will begin to accrue on all
dividend bearing accounts after the completion of
the system conversion. More information regarding
dividends can be found in HAPO’s Rate Schedule
included with the new account disclosures.
What happens to my loan?
Your loan and any balance will be transferred to HAPO
during the system conversion. For secured loans, your
original loan contract will be honored. This means, no
changes to your rate or term.
Effective August 31, 2016, Line of Credit loans will
be converted to a close-end signature loan. The rate,
payment and due date of your signature loan will
remain the same as your existing Line of Credit. You
may continue to take advances until August 30, 2016.
Letters have been mailed to all Line of Credit holders,
however if you have additional questions, please
contact the Weston Branch.
Will I still have credit life and/or disability on
my loan?
No. The current credit life and/or disability insurance
provided by Cuna Mutual will be cancelled on August
31, 2016. If you would like to purchase new loan
protection, HAPO offers 3 great Debt Protection plans
in which you may be eligible for. Letters will be mailed
to all members who have credit insurance informing
them of the cancellations along with a Debt Protection
application with options available to protect your loan.
Welcome to HAPO
7
FREQUENTLY ASKED QUESTIONS
How will my car insurance know about
the merger?
HAPO will attempt to notify your insurance agency of
the change in lien holder. Full coverage insurance will
need to be maintained on the vehicle. If your insurance
is cancelled, HAPO may purchase insurance on your
behalf, which may be added to your loan balance.
The coverage we purchase may be considerably more
expensive than insurance you can obtain on your own.
We also recommend that you contact your insurance
agency to confirm HAPO is shown as lien holder after
August 31, 2016.
How do I make payments?
Automatic payments to your loan that are currently
withdrawn from your Pine Creek account will be set up
to be withdrawn from your new HAPO account. You
may contact HAPO after the completion of the system
conversion to make desired changes or to set up a new
automatic payment transfer. Payments can be mailed to
HAPO’s corporate office at:
601 Williams Blvd., Richland, WA 99354
You may also make your payment at any HAPO
Financial Center. HAPO offers many automatic
payment options. Please visit www.hapo.org, call our
Contact Center at 800-284-4276 or stop by any of our
Financial Centers for additional information.
What will happen with my IRA?
If you currently have a Pine Creek IRA savings account,
any balance will be transferred to a HAPO IRA Time
Deposit account during the system conversion. Please
review the Terms and Conditions on Certificates and
IRAs included with your new account disclosures.
HAPO also offers IRA Certificate options. If you
are interested in more information on HAPO IRA
Certificates, please visit www.hapo.org, call our
Contact Center at 800-284-4276 or stop by any of our
Financial Centers.
Should I expect tax forms from Pine Creek?
If your account earned dividends in excess of $10
or you have an IRA, you will receive tax forms from
Pine Creek, HAPO or both in 2017. Upon receiving
your tax forms next year, if you have any questions
or concerns, you may call HAPO’s Contact Center at
8
Welcome to HAPO
800-284-4276 or stop by any of our Financial Centers
for assistance.
Do you offer electronic banking services?
Yes. HAPO offers online banking and a Mobile Banking
App. Access your HAPO accounts from the convenience
of your smartphone, tablet or desktop 24/7. These
services provide you with fast, free and secure access
without visiting a Financial Center.
How do I access online banking (eTeller)?
Beginning September 1, 2016 you may create
your login credentials for online banking. From our
homepage, www.hapo.org, you will need to select
“Enroll for Online Banking”. This will prompt you
to answer a few security questions and create your
Personal ID and password. You will be required to
know your new HAPO account number during this
process. If your address on file at Pine Creek is correct,
in the month of August, your HAPO account number
will be mailed to you. You may also call our Contact
Center at 800-284-4276 or stop by any of our Financial
Centers for assistance.
How do I start using HAPO’s Mobile Banking?
Download the HAPO App from the App Store (iPhone
& iPad) or the Google Play Store (Android devices). If
you haven’t already done so, you will need to establish
a Personal ID and password. Your new Personal ID and
password become your login credentials for HAPO’s
online banking (eTeller) and mobile banking.
What is Bill Pay and how do I enroll?
What are e-Statements and how do I enroll?
e-Statements provide faster access to your statement.
e-Statements reduce the risk of financial information
being exposed when paper statements are mailed or
discarded. Print your statement or conveniently store
and save them on your computer. You may enroll after
the system conversion is complete. It’s FREE for all
members using online banking (eTeller). If you haven’t
already done so, you will need to establish a Personal
ID and password. Once logged in to your account, click
on the ‘e-Statements’ button to enroll.
Can I call for account information after hours?
Yes. HAPO has an automated 24-hour Hotline. You may
call the 24-hour Hotline anytime and from anywhere.
Options include:
• Obtain general account information (Checking
Savings, Money Market, CD, IRA & Loans)
• Make account transfers
• Obtain dividend, interest and other account
service information
• Find out if a check has cleared your account
If you are interested in using the automated 24-hour
Hotline, please visit any Financial Center or contact us
to setup a hotline password. When calling the 24-hour
Hotline, you must have your HAPO account number
and hotline password to obtain account information.
Within the Tri-Cities call (509) 946-3151, or out -ofarea call 1-888-221-4276.
With Bill Pay you can set up a payment schedule
for each bill, either recurring or one-time, and our
secure system will see that it is paid with money from
your HAPO checking account. If you haven’t already
done so, you will need to establish a Personal ID and
password. Once logged in to your account, click on the
‘Pay Bills’ button to get started. You will be taken to
a one-time application to verify the information that
will be used when paying your bills. After submitting
your application, you will receive an email confirmation
that your Bill Pay account has been activated. Once
activated, you may begin setting up your payees and
paying your bills.
Welcome to HAPO
9
MOBILE BANKING & eTELLER
Banking
on the go
is
convenient!
eTELLER – REAL-TIME CONTROL
OF YOUR ACCOUNTS
Manage your money safely online, anytime. Transfer
funds, view balances and transactions, view cleared
checks, view e-Statements, pay your bills, request a
balance transfer, make loan payments
and so much more. Manage your
money better than ever before
through your eTeller account.
BANKING ON THE GO
FIND OUT MORE
online
www.hapo.org
BANK FROM ANYWHERE, ANYTIME – IT’S EASY
10
Welcome to HAPO
HAPO Community Credit Union’s
Mobile App makes it easy for you
to bank on the go. With HAPO’s
eTeller and Mobile Banking you can
safely control your accounts from
almost anywhere, anytime!
Manage your account. Pay bills,
find HAPO locations and more
with ease and confidence - at anytime, from anywhere!
With the HAPO Community Credit Union Mobile App
you can:
BILL PAY
• Check available balances
• Deposit checks directly
from your mobile device
• Pay your bills and credit
cards
• View transaction history
• Transfer money between
HAPO accounts
DIRECT DEPOSIT
• See cleared checks
• View eStatements
• Find the nearest HAPO
locations and ATMs
• Chat online with one of
our Support Staff
…and much more!
To download our Mobile App, visit the Apple Store
for the iPhone and iPad apps or the Google Play Store
to download the Android Phone app. In order to
download our Mobile App, you will be required to create
a personal ID, which will be used as your new log in
credentials for both Mobile Banking and Online Banking
through eTeller. To sign up, visit www.hapo.org.
Make life easier with Bill Pay. You can set up a payment
schedule for each bill, either recurring or one-time and
our secure system will see that it is paid with money
from your HAPO checking account. You don’t have
to write a single check, lick a single envelope or buy
another stamp. To get started, log in to your account
and click on the ‘Pay Bills’ button.
REMOTE DEPOSIT CAPTURE
Remote Deposit Capture allows members to deposit
checks via the HAPO Mobile App. You simply take a
photo of the check, enter the amount, and select the
account you want to deposit it into - it’s that simple.
No need to waste time fighting traffic and standing in
line on payday to deposit your paycheck or pension
check. Have your check automatically deposited
right into your HAPO account. Whether its
checking, savings, the entire check or just part
of it, Direct Deposit with us is guaranteed to
save you time. Download the Direct Deposit
Form; take the completed form to your
employer and start having your paychecks
deposited into your HAPO account.
Welcome to HAPO
11
VISA CARDS
HOME & AUTO LOANS
Get it
right now!
in your hands
Low rates
personal service!
with
HAPO VISA OPTIONS
IT ALL STARTS WITH GREAT RATES
Choose the card that works for you! All of our VISA
Credit Cards have great rates, plus NO balance
transfer fees, NO cash advance fees, and NO annual
fees.
Of course, personal service helps too! Our loan officers
will walk you through the process, and help you find the
loan option that’s right for you. The quickest way to
get started is to visit our Loan Center at www.hapo.org.
• Platinum VISA
with Low Rates
• Platinum VISA
with CURewards
HOME LOANS
• Platinum VISA
with Cash Back
• Signature VISA
INSTANT ISSUE
We offer instant issue EMV
chip debit and credit cards.
EMV chip debit and credit cards
make for safer transactions and
helps reduce identity theft. Best of all, we can print a
new card for you on the spot — RIGHT NOW!* Just
another FREE service from HAPO!
* Pending Credit Card approval. Rate and program availability is subject to change
without notice. See a credit union employee for details.
HAPO Mortgage is the place to start
if you are looking to buy a home,
refinance, or put your home’s
equity to work for you.
•
•
•
•
•
Conventional Fixed Rate
FHA Mortgage
VA Loans
Land Loans
Low Down Payment
• Manufactured Home
Adjustable Rate (ARMs)
• Home Equity
…and more!
VEHICLE LOANS
HAPO has become well known for providing some of the
best auto loans around. You can apply online or choose
HAPO at the dealer. We offer financing on many types of
vehicles.
• New and used autos
•Boats/Motorcycles
FIND OUT MORE
online
www.hapo.org
CHECK OUT THE MANY OPTIONS AVAILABLE
12
Welcome to HAPO
• RVs/Travel Trailers
• Off-road Vehicles
online
www.hapo.org
FIND OUT MORE
CHECK CURRENT LOAN RATES AND APPLY
Welcome to HAPO
13
INVESTMENT ACCOUNTS
CHECKING & SAVINGS
Relax,
work for you!
let your money
SAVINGS & INVESTMENT ACCOUNTS
CHECKING ACCOUNTS
Saving and investing is vital now to ensure the future
you dream of. When you place your future in our
hands, you can rest easy knowing that your money
is insured by the National Credit Union Administration
(NCUA). HAPO is safe, strong and secure. We will
help you choose the saving plan that works to achieve
your goals.
Our approach to checking accounts
is that they should make life
easy. Checking at HAPO is Free
and Easy! Open your account
online, by mail, or at one of our
conveniently located financial
centers! You also receive these services free:
• Savings Accounts
•IRAs
• 24-hour Hotline
• Bill Pay
•CDs
• Money Market Accounts
•eTeller
•e-Statements
• Direct Deposit
• VISA Debit Card
Visit www.hapo.org for current
rates, complete details, and terms
of use for all savings and investment
options.
FIND OUT MORE
14
Welcome to HAPO
good!
Simple is
online
There is NO minimum balance, and NO monthly fee.
Visit www.hapo.org for more information.
FIND OUT MORE
online
www.hapo.org
www.hapo.org
CHECK OUT THE BEST RATES AVAILABLE
APPLY FOR FREE AND EASY CHECKING
Welcome to HAPO
15
O R G A N I Z AT I O N A L C O M M I T M E N T
BE IN THE MOMENT
We commit to listening to our
members to clearly understand
what’s needed and to respond
efficiently and professionally
every time.