2012 Holiday Edition eNewsletter

Message from the President...


This holiday season there are more positive indicators that our economy is truly recovering — even if slowly. It is cause for optimism and confidence that have been missing the past four years. After this long period of recovery, we are beginning to adjust to the "new normal".

Our credit union's performance is a reflection of our membership. We too have begun to stabilize and are optimistic for continued improvement in our financial condition. We remain the largest credit union in Hawaii, and show strong reserves and income in 2012.

We appreciate the confidence and loyalty of our membership, who voted us "Hawaii’s Best" credit union in the Honolulu Star-Advertiser survey. Our Board of Directors and staff strive everyday to live our brand promise of “Life matters”.

"Wishing you and your family the best this Holiday Season and a very Happy New Year!"

Karl Yoneshige
President & CEO

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Holiday Hours

Christmas Eve - OPEN
Monday, December 24, 2012: 9:00 a.m. - 1:00 p.m.*
Christmas Day (observed) - CLOSED
Tuesday, December 25, 2012
New Year's Eve - OPEN
Monday, December 31, 2012: 9:00 a.m. - 1:00 p.m.*
New Year's Day (observed) - CLOSED
Tuesday, January 1, 2013

*Kihei Branch hours: 9:00 a.m. - 2:00 p.m.

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Changes to Telephone Banking Coming Soon

Telephone Banking There will soon be some changes to HawaiiUSA’s telephone banking system. While most of the current voice prompts will remain the same, there will be changes that will impact certain features. When using the revised system for the first time, please listen carefully to the voice instructions.

We hope you will find our new system to be more user-friendly and you’ll continue to enjoy the ease and convenience of HawaiiUSA’s telephone banking service.


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Our Fight Against Breast Cancer

Team Captain and Senior Vice President of the Workforce Excellence Group, Stevette Santiago, and her team hosted fundraising events during the 3rd Quarter to benefit the American Cancer Society’s Making Strides Against Breast Cancer.

The team converted our Main Office Community Rooms into a mini hair salon for the Cut-A-Thon. Stylists from Salon Reve provided hair cuts and styling with 50% of the proceeds benefitting Making Strides Against Breast Cancer. Members of the Workforce Excellence Group also hosted a plate lunch sale where participants could purchase four different types of homemade entrees and an array of baked goods. The fun continued with Jeans Week, brownie sales and a Books Are Fun Fair. The quarter-long events culminated with over 100 employees, their family, and friends participating in a 5k Walk!

HawaiiUSA staff and members, along with a donation from the HawaiiUSA Foundation, raised over $17,000 for American Cancer Society’s Making Strides Against Breast Cancer.

 Miko S   Jo N, Brandy O, Lisa C   Ruby T, Brandy O, Stevette S, Kim L   Locks of love   Making Strides  

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Purchasing in Pink

Join us in the battle to help save lives one purchase at a time.* With your help we can make a difference together!

Open a new HawaiiUSA Visa® Pink Platinum Credit Card from now through December 31, 2012 and enjoy these low rates today!

HawaiiUSA Pink Visa Card

Here are just a few other features that our cardholders receive:
  • No annual fee
  • No minimum balance transfer amount
  • No balance transfer fee
  • No cash advance fee
  • 1% foreign transaction fee
  • Exclusive CU Rewards Points Program option and more!***

*Charitable Benefits: Use of the HawaiiUSA Visa Pink Platinum Credit Card results in donations to charity. For each new HawaiiUSA Visa Pink Platinum Credit Card opened from 09/01/2012 through 12/31/2012 (the “promotional period”), HawaiiUSA FCU will donate 0.25% (25 cents for every $100) of all net purchases (less returns) made with the Card through 12/31/2012. After the promotional period, HawaiiUSA FCU will donate 0.10% (10 cents for every $100) of all net purchases (less returns) made with the Card. HawaiiUSA FCU will donate up to $20,000 of net purchases annually. HawaiiUSA FCU has designated the Making Strides Against Breast Cancer® program of the American Cancer Society as the current charitable recipient. HawaiiUSA FCU reserves the right to change the charitable recipient or terminate the program at any time. No change will affect donations previously made. For information on breast health information, visit **Annual Percentage Rate (APR). The 0% introductory APR on purchases are valid for the first 180 days for accounts opened from 09/01/2012 through 12/31/2012. After that, the standard APR for your account, based on your creditworthiness, will apply to all outstanding balances. Minimum payments will be applied to balances at lower APRs before being applied to balances at higher APRs. To the extent your payments exceed the minimum payment due each billing period, we will apply them to balances with higher APRs prior to balances with lower APRs. See Credit Card Agreement for more information. Restrictions apply. HawaiiUSA Visa Business Credit Card accounts are not eligible. Offer may end at any time. Membership guidelines apply. Federally insured by NCUA. ***The CURewards Points Program is available for specified accounts only

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HawaiiUSA FCU has a great rate on personal loans!

Personal Loan Special

Just in time for holiday shopping...

You can give the gift of a much needed family vacation or you can take one yourself. The possibilities are endless. It’s easy to take advantage of this limited time offer today. Visit, any one of our branches, or call our Member Service Center at 534.4300 on Oahu or toll-free at (800) 379.1300.

*Annual Percentage Rate. Offer valid on all applications received beginning 12/01/2012. This is a limited time offer and can be cancelled or changed at any time. Special rate promotion applies to 60 month term personal loan, starting as low as 4.50% APR. Actual APR based on creditworthiness of the applicant. (Payment example: Loan amount of $10,000 at 4.50% for 60 months would have a monthly principal and interest payment of $186.06). Limit one special rate loan per member. Refinancing of existing HawaiiUSA FCU Visa or loans does not qualify for this special rate promotion. Loan amount must meet a $10,000 minimum requirement. This offer cannot be combined with any other offers. Membership guidelines apply.

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Protect Yourself from Identity Theft

With the Holiday Season approaching, please be careful with your personal information which a thief could use to steal your identity.

What is Identity Theft?

Identity Theft occurs when someone uses your personal identifying information like your name, social security number, date of birth or credit card number without your permission to commit fraud or other crimes.

How does it happen?

Here are just a few examples:

How can you protect yourself?

For more information on how you can protect yourself, call our Member Protection Center at 844.8279.

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Me and My ID

In 2011, the Federal Trade Commission (FTC) reported 538 identity theft-related complaints filed in Hawaii. Identity (ID) theft occurs when someone steals your personal information and uses it without your permission. ID theft disrupts peoples’ finances, credit history, and reputation and takes time, money, and patience to correct. Help protect your identity by following the FTC’s motto: "Deter, Detect, Defend."


“You are the most important link in ID theft prevention”; therefore, DO NOT...

  • ...give personal information to unauthorized persons, e.g., do not provide information to telephone callers or e-mail senders who you do not know.*
  • ...allow others access to your information, e.g., keep PINs and passwords secret, shred documents containing personal information.

*HawaiiUSA will never call or email you to ask for this type of sensitive information.


Three primary fraud types facilitated by ID theft are credit card, loan, and depository account fraud. To look for unusual activities, review your...

  • institution account activity, credit card, and loan statements.
  • history. Consumers are entitled to a free credit report every 12 months. Visit or call 1.877.322.8228.
  • ...medical/government documents.


If you discover discrepancies, immediately report them to...

  • ...your financial institution, medical provider, or applicable government agency.
  • ...the Federal Trade Commission. Go to or call 1.877.438.4338/1.866.653.4261 (TTY).


HawaiiUSA also offers additional information and products to help protect you from identity theft. Visit our website at

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With a HawaiiUSA Home Equity Line of Credit
you can give yourself a holiday gift:

Home Equity Line of Credit

Stop by any of our branches or call our Member Service Center at 534.4300 or toll free at (800) 379.1300

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Scholarship Applications Now Available at All Branches & Online!

HawaiiUSA scholarship applications are now available! Nine (9) $2,000 scholarships will be awarded to graduating high school seniors and six (6) $2,000 scholarships will be awarded to college students. Scholarship applications are available at all HawaiiUSA branches and online at Scholarships will be awarded for the 2013-2014 academic school year based on Academic Standing, Leadership, Honors and Awards, Community Service, Merit, Recommendations & Financial Need.

Eligibility Requirements
Applicants must be a HawaiiUSA member for at least twelve (12) consecutive months prior to applying, in good standing, and presently a high school senior or attending an accredited institution of higher education.

Completed application, two (2) letters of recommendation and transcripts must all be postmarked no later than February 20, 2013 and mailed to:

Attn: Scholarship Committee
1226 College Walk
Honolulu, HI 96817-3995

A hand-carried application will not be accepted. Applications postmarked after the deadline will not be reviewed.

The Scholarship Program Committee will review and evaluate each application before final selections are made. Scholarship Program Committee selections will be final. Applicants will be notified of results no later than April 22, 2013. A reception will be held on May 4, 2013.

Past Awardees:

Kryssa Isobe   Melissa Isobe   Chantel Rebola   Jovana Shigetani   Carissa Kano   Hollyann Loui   Marisa Swiderski   Brett Tanonaka  

Matthew Sakumoto   Stacey Baba   Darin Poei   Clifford Alonzo   Chance Whitnie Baldonado   Alyssa Chin   William Garcia   Sierra Kadooka  

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76th Annual Dinner Celebration

Annual Dinner

Download PDF Version of Newletter for reservation form.

Mail reservation form, a self-addressed, stamped envelope and sharedraft/check to:

Attn: Annual Dinner
1226 College Walk
Honolulu, HI 96817-3995

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Valuing our Members Starts With Great Employees...

Our Member Protection Center (MPC) staff has nearly nine decades of combined service to members at HawaiiUSA and other credit unions. MPC Director, Tommy Nakano, has been with the credit union for over 12 years. Myrna Cariaga, MPC Supervisor, came to us over six months ago. Representative Kelli Reynon has over seven years with MPC, and Representatives Laurel Miyatake and Joy Nakamura have both spent over five years with us. Both came from other credit unions. The staff’s combined 86-year history at HawaiiUSA and elsewhere has been punctuated with special recognition by many for their outstanding service and friendliness.

MPC specializes in assisting members with their HawaiiUSA Credit Protection Plan (HCPP) claims. Members in need receive first class service when they suffer unfortunate life events such as disability, involuntary unemployment or loss of life. Other products offered by MPC include Major Mechanical Protection (MMP), Guaranteed Asset Protection (GAP), and Identity Theft Restoration Service. MPC also administers our Collateral Protection Program that tracks insurance policies for HawaiiUSA auto and mortgage loans. Did you know that MPC even offers cancer and pet insurance?

If you would like more information on any of the valuable services mentioned above, please call our friendly and helpful MPC team at 844.8279.

Member Protection Center

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HawaiiUSA 2013-2014 Board of Director Nominations

The Nominating Committee of the Board of Directors for HawaiiUSA has nominated three (3) members to fill three (3) vacancies for the 2013-2014 Board of Directors. The following members, listed in alphabetical order, have been nominated:

Harlan Y. Kimura  ·  Liberato C. Viduya, Jr.  ·  Albert S. Yoshii

No member from the general membership submitted a qualifying nomination by petition. As such, no mail ballot will be conducted for these positions. The above named individuals will be declared at our Annual Meeting to be held on Tuesday, February 26, 2013 at 5:45 p.m. at our Main Office

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Mobile Banking

Mobile Banking is growing faster than any other banking transaction channel. Surprised? Look around. Everyone today seems to have a smartphone. If they don't, they'll likely be owning one soon. In four short years from now, over a billion consumers worldwide will have a smartphone or tablet. Times are changing for financial institutions faster than ever. In 2011, for the first time, consumers acquired more financial products through digital channels (online and mobile) than at a branch. To ensure that we are serving our members the way they want to be served, HawaiiUSA is gearing up for the launch of Mobile Banking. Available for the iPad, iPhone and Android devices, HawaiiUSA's new Mobile Banking service will allow you access to your account anywhere, anytime. Best of all, you’ll have peace of mind knowing your data transfers are safe and secure with our state-of-the-art user verification and data encryption systems. Get ready to go mobile with our new Mobile Banking service, coming soon to a device near you!

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