In these tough economic times, HawaiiUSA Federal Credit Union is prepared to help our members who may have lost their job or are part of the furlough plans. Whether you're interested in developing a workable spending and savings plan, getting out of debt, taking a look at your credit report, or planning for your financial future, HawaiiUSA FCU wants to help. That's why we are providing the following services for our members:

• Access to free and confidential financial counseling and education through Balance, an online personal financial education program.
  
  
• Members who are struggling to make payments on their HawaiiUSA FCU loan can visit any of our 10 branches to develop a repayment plan.
  
  
• Cost savings can also come from other areas such as your utilities. Hawaiian Electric Company and Board of Water Supply have helpful hints on their Web site for saving money on your electric and water bills.

Ask us how we can help you make it through these tough economic times.