Contents

2014 2nd Quarter eNewsletter

Helping Hawaii's Students Go to College

HawaiiUSA is proud to be a sponsoring partner of HACAC, the Hawaii Association of College Admissions Counselors. As a sponsor, we are the exclusive publisher of "College Planning, a Family Affair", a college guidebook distributed free at HACAC College Planning Nights. At these events, HACAC representatives share their expertise with students and parents on topics ranging from college preparation, school selection and college life, to financial aid and more.

Credit union representatives are on-hand with valuable financial education and tips for students facing their newfound independence. Attendees learn about HawaiiUSA's Credit Union Student Choice college lending program that helps fund the gap that federal aid may leave behind. The next HACAC event will be held at Waipahu High School on April 24, 7-9pm. This special event will feature guest speaker Tyler Disburg, Director of Strategic Partnerships at Credit Union Student Choice.

For your free, downloadable online version of the HACAC college planning guidebook, log onto: digitalhawaiiusa.com/HACAC

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Student Loans

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Recognizing HI Achievers

HawaiiUSA and Hawaii News Now are proud sponsors of HI Achievers, a program that recognizes high school students who excel in academics, while giving back to the community. Selected students receive a prize package including $200 cash and a chance to earn certification in financial education, based on the credit union’s Life Events Assistance Program (LEAP). Awardees are also spotlighted in a special Sunrise Morning News segment. Congratulations to our first three recipients:

Diana Nguyen, Senior - Kaimuki High School

Diana started a program that helps freshmen transition into high school. Over the past 18 months, she spent her Saturdays mentoring students, offering guidance, advice, and even helping with homework. Her inspiration comes from her parents, who arrived from Vietnam with hopes of a better life for their children.

Andrea Jurado, Senior – Waipahu High School

Andrea has earned many academic awards including the prestigious Hamilton Scholar Award, bestowed to only 32 students nationwide. She currently studies plant proteins in hopes of someday finding a cure for cancer. Andrea’s successes are driven by her deep appreciation for her parents, immigrants from the Philippines, whose sacrifices are making her and her siblings’ dreams possible.

Spencer Kiehm, Junior - Iolani School

Spencer maintains a 4.4 GPA and is currently enrolled in all AP classes. As a National Merit semifinalist, he has earned early admission into Harvard University. He has volunteered at numerous charitable events including the Great Aloha Run, Relay For Life, Race For The Cure, and The Heart Walk among others. He also captained the football, judo and wrestling teams.

To view their complete stories or to nominate your HI Achiever, visit hawaiiusafcu.com/hiacheivers.

Here at HawaiiUSA, we are proud to feature students who are doing extraordinary things for their community.

 

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A Cool New Way to Bank
Just in Time for the Summer Heat!

HawaiiUSA | Online Banking

Summer is an exciting time of year, and HawaiiUSA will be making it even better with some very cool new features in our Online Banking.

You will see:

With simpler navigation, your Online Banking experience will be faster and easier than ever. More cool information to come...Stay tuned!

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Swipe, Sign, and Drive

Swipe Sign Drive

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HawaiiUSA Credit Protection Plan

The HawaiiUSA Credit Protection Plan (HCPP) was created exclusively for members of HawaiiUSA FCU who make loans with us. HCPP is an optional program that cancels your loan payments if you involuntarily lose your job or become disabled. Loss of Life coverage cancels your loan balance if you pass away so your family members don't have to worry about paying off the loan on less income.

If you're thinking about getting a credit card, HCPP wants you to know about these new enhancements beginning April 1, 2014:

Since launching HCPP on 8/1/05 through 12/31/13, the program has paid out the following in claims:

If you made a loan with us and did not protect it with HCPP, or you're looking at getting a new loan or credit card, ask for details about our HCPP Program on your next visit to one of our branches.

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Lower Your Monthly Payments...  with a PV Plus Green Loan

Owning a Photovoltaic System is one of the best decisions a Hawaii homeowner can make today. If you've made this choice, hopefully you’re enjoying the savings and benefits of this wise decision. However, depending on your original financing option, you may be encountering a higher than anticipated monthly loan payment. HawaiiUSA Federal Credit Union may help you lower your monthly payment with our PV Plus Green Loan.

At HawaiiUSA, refinancing is quick and easy. Here are a few benefits to refinancing your PV loan with HawaiiUSA:

As an example, if your loan balance is currently $25,000, your monthly loan payment could be as low as $218.00+.

To take advantage of this great program, apply online at hawaiiusafcu.com, visit any of our 12 branches on Oahu and Maui, or call us at 534.4300 on Oahu or (800) 379.1300 toll free.

*Annual Percentage Rate. Rate is determined by the term of the loan, 4.50% is for a 60 month term and goes as high as 6.50% for the longest term of up to 180 months.
+Example is based on a $25,000 loan at a 6.50% APR with payments of $218.00 for 180 months. Minimum loan amount is $5,000 and cannot exceed the amount to payoff existing balance.  For loans greater than $25,000, a recording fee of $31 will be collected for the filing of a UCC Financing Statement.  All borrowers must become members of HawaiiUSA FCU before loan is funded.  PV installation must have been on member’s primary owner-occupied residence.  A copy of the original PV Contract or loan documents and income verification will be required with a completed loan application. Offer subject to credit approval. Other terms and conditions apply.

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Board of Directors Call for Nominations and Winners

Applications for nominations to fill three (3) 2015-2016 HawaiiUSA Board of Director vacancies are now being accepted for consideration by the Nominations/Elections Committee. Each of the three (3) vacancies are for three (3) year terms. Basic qualifications for applicants are as follows:

Applications must be postmarked no later than Wednesday, May 14, 2014. Mail completed applications to:

HawaiiUSA FCU Nominations/Elections Committee
P.O. Box 23226
Honolulu, HI 96822

Board of Directors assume fiduciary responsibility, do not receive compensation and may require many hours of time commitment. If you are interested in applying, please pick up a Nomination Packet at any of our branches or visit our website hawaiiusafcu.com/Board-Election.aspx.

After considering all properly completed applications received, the Nominations/Elections Committee, will send written notification on or about June 3, 2014, to all applicantss. For more information, please contact our Member Service Center at 534.4300 on Oahu or toll free at (800) 379.1300.

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HawaiiUSA Golf Tournament

HawaiiUSA Golf Tournament

When:
Mondy, August 11, 2014

Where:
Pearl Country Club

Time:
11:30 a.m. Registration
12:30 p.m. Shotgun Start

Format:
3-person Team

Cost:
$1500 Platinum Sponsor* (includes two teams and greenies)
$1000 Gold Sponsor* (includes one team and greenies)
$650 Silver Sponsor* (one team)
$110 Per Person*
*Includes green fees, cart fees, lunch, banquet, & one (1) Flanigan

Please send payment to:
HawaiiUSA FCU
Attn: Golf Tournament Committee
1226 College Walk
Honolulu, HI 96817

Handicap Maximum: Men 24/Women 36
Handicaps will be reviewed by the Golf Committee
Flanigan: One (1) chance to rehit your ball, and select the better of the two

Proceeds derived from this tournament will benefit Hawaii’s schools and/or educators in the Hawaii Public Education System to further career development. Call 534.4300 for more information.

Make checks payable to: HawaiiUSA FCU Golf Tournament

Download PDF Application

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Valuing our Members Starts with Great Employees!

We are proud of our 2013 4th Quarter Keys of Excellence Awards winners! They demonstrate HawaiiUSA's Core Values of Service, Integrity, Unity and Achievement. CONGRATULATIONS to our employees for their outstanding achievements and demonstrating that Life matters!

Stacie Rosa
Sales & Service Trainer
Outstanding Employee

Stacie Rosa

On November 21, 2013, Waipahu High School’s SOCU (student-operated credit union) became the first to have a HawaiiUSA branded “branch”, thanks to Stacie's partnership and coordination with the principal. The grand opening was featured on KHON’s evening news and in a MidWeek article.

 

Leibelyn Bagayas
Member Service Supervisor, Kihei Branch
Outstanding Manager

Leibelyn Bagayas

Lei sets an example for her staff. She is understanding, patient, a good listener, funny, always smiling, and most of all a team player. Lei is reliable, dependable and always willing to commit herself to any community or social event. She earned the UNITY Award at the 2013 Maui Award Rally.

 

Shane Toguchi & Liane Onaga
Digital & Direct Marketing
Outstanding Team

Shane Toguchi and Liane Onaga

Shane and Liane were asked to create a website for LEAP (Life Events Assistance Program), but it would cost $10-30,000 with a vendor. Shane had a vision of a "full blown" site. They researched and built it themselves. The LEAP site has over 100 content pages to benefit all users and represents HawaiiUSA’s commitment to financial education.

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It's Your Money - Keep More of it with Turbo Tax

 

Turbo Tax

HawaiiUSA Federal Credit Union members save up to $15 on TurboTax federal products.

April 15th is around the corner! TurboTax can help you beat the deadline and get your taxes done right. Start now!

Visit hawaiiusafcu.com for more details.

Invest In America

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Celebrating Youth Week with Us!

April 20-26, 2014

HawaiiUSA youth members: Catch the $ave Wave! Visit any branch to recieve a cool gift*!

Youth Week

Visit hawaiiusafcu.com for more information about Financial Literacy, fun coloring pages, and interactive links!

*While supplies last.

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