HICKAM FEDERAL CREDIT UNION “Making a Difference in Our Members’ Lives” THE Hickam Difference A quarterly publication for Hickam FCU members 3RD QUARTER 2007 telephone calls from individuals claiming to be from financial institutions requesting you to give personal information, such as your account number or PIN, do not give it to them. Financial institutions will never contact you asking for information they already have on file. Lessons on How to Protect Yourself Identity theft is among the fastest growing crimes in the United States. The Federal Trade Commission estimates that nearly 9 million Americans become the victim of identity theft each year. Unfortunately, many of these crimes are not detected until it is too late and the victim’s name and credit have been tarnished. Here at Hickam FCU we take identity theft seriously and take many precautions to help protect our members. Here are some ways you can help protect yourself from identity theft: Don’t Give Your Number to Strangers. Keep all identification numbers to yourself or limit the amount of people whom you share this information with. These numbers include your social security, driver’s license, date of birth and Personal Identification Number (PIN). If you must give out these numbers, know who you are sharing the information with and the reason it is necessary. Shred It! Get into the habit of shredding all personal documents before tossing them out. That includes all bank and credit card statements, pre-approval letters, tax documents, and ATM or debit receipts. Thieves will go to extreme lengths to obtain information they could profit from, even if that means digging through your garbage. Online Banking is your Friend. Sign-up for online banking whenever possible. If your account has been compromised, the fraudulent charges can be detected sooner because online banking gives you the opportunity to view your transactions on a daily basis rather than waiting for your monthly statement in the mail. This gives you the chance to stop fraud as soon as it starts rather than weeks or months later. No Phishing Allowed! There are several ways you can become a victim of a phishing scam, but if you know the signs you can stop it before it starts. If you receive emails or Where’s the Snail Mail? Remember, the only thing worse than getting your credit card statement in the mail is not getting your credit card statement in the mail. Be suspicious if your credit card or Hickam FCU monthly statements stop coming. This could be a sign that someone has taken them from your mailbox or you may be a victim of mail diversion fraud. Mail diversion fraud is when an individual forges your signature on a change-of-address form in order to get your mail diverted to another location. Contact your credit card company and credit union if you are missing statements and contact your local post office if you stop receiving mail altogether. For more information on how to protect yourself from becoming a victim of identity theft or if you have reason to believe your identity or financial accounts have been compromised, visit the Federal Trade Commission (FTC) ID Theft website at www.ftc.gov/idtheft. , ember Dear M l of ficia e h t s er i ns. Summ for vacatio n seaso ou planned e Have yyet? If you’vn a FCU oan Hickam r Vacation L yours olding of f o e Summ 3.1391 been hay, wait no g 2 4 . 8 fcu.or 80 m a getaw because k . c p i hel www.h more, U can C F m w Hicka ve great lo er We ha t rate summfect interesthat are per loans nning an tion. for pla ettable vaca unforg Air Force Week Honolulu Celebrating 60 Years This September marks the 60th anniversary of the Air Force as an independent arm of the U.S. military. To celebrate this momentous occasion, Honolulu was selected as one of only six cities to host Air Force Week. The theme for this year is “Heritage to Horizons,” which is a celebration of the Air Force’s anniversary, its history and its future as the world’s leading Air Force. Air Force Week begins September 7th with a proclamation ceremony at Honolulu Hale by Mayor Mufi Hannemann and ends on September 15th with a spectacular “Thunderbirds” show along the shores of Waikiki Beach. For up-to-date information on all Air Force Week activities visit www.pacaf.af.mil. New ATM Unveiled at Kuntz Mini Mall Hickam FCU is bringing more convenience to our members by continuing to expand our ATM network. Our latest ATM addition is in the brand new Kuntz Mini Mall located at 1756 Kuntz Ave. on Hickam AFB. This is a great and convenient location, not only because of all the amenities the Kuntz Mini Mall has to offer, but it’s also open 24 hours a day. Hickam FCU would like to congratulate the winners of our ATM Cash & Win Contest held during the Kuntz Mini Mall grand opening. Phillip Stocks, George Davis and Marita Andrews each won a $100 AAFES gift card. Phillip Stocks receives his $100 AAFES gift card from Melissa Cordner, Hickam FCU Marketing/Public Relations Specialist. Top: Marita Andrews and her son are awarded a $100 AAFES gift card. Left: George Davis happily holds up his $100 AAFES gift card. Making a Difference in Our Children’s Lives The children of Mokulele & Nimitz Elementary Schools were delighted to get a visit from Sammy Rabbit, thanks to the support of the Airman & Family Readiness Flight and a donation from Hickam FCU. The children were treated to stories, singing, dancing and they each got to take home a music CD featuring songs about leadership and smart money management. Sammy Rabbit makes stops at schools all across the country teaching children good habits and the importance of saving money. Hickam FCU was one of the proud sponsors of the Friends of Hickam 8th Annual Keiki Fishing Tournament held at Ho’omaluhia Botanical Gardens in Kaneohe. This annual event brings together families of Hickam AFB for a memorable day of food, fun and fishing. This year, 120 children ages 5 to 12 and their parents gathered along the shores of the lake at Ho’omaluhia where they caught colorful fish using bamboo-fishing poles. The children and their parents also enjoyed a scrumptious lunch in the lush tropical setting of the Botanical Gardens. The lucky winners of the fishing tournament were awarded with prizes such as trophies, lei, fishing poles, tackle boxes and backpacks. Right: The Gerboc family enjoys the festivities along the shore of the Ho’omaluhia Botanical Garden Lake at the Keiki Fishing Tournament. Courtney Gerboc holds up her catch. Withstand the Financial Windstorm of a Hurricane Hurricane season is upon us and runs through the end of November and Hickam FCU wants you to be prepared. All it takes is one hurricane to cause extensive damage to home and personal property. And with the high cost of living in Hawaii, the intense wind, rain and flood damage can also cause a torrent of financial hardship and devastation in its aftermath. Hurricane preparedness not only includes readying a survival kit but also fortifying your financial situation to withstand any disaster to come your way. Here are some things you can do to prepare: Document Your Possessions Take digital photos and videos of your home’s interior and exterior; furnishings; valuable possessions; and vehicles. Include close-ups and single photos of valuable items and wide shots of cabinet, closet and storage area contents. This will make it easier when filing for insurance claims and replacement. Save the images to CD or other digital storing devices and secure with important papers. Secure Important Documents You don’t have to wait for a storm to begin organizing and safeguarding important papers such as social security cards; birth, death, divorce, marriage certificates; insurance policies; estate documents including wills, trusts, powers of attorney; deeds; mortgage titles; copies of vehicle registration and other licenses; old family photos; savings bonds; and receipts for major purchases and valuables. Also make a list of financial institution, investment and credit card account numbers and their contact information. Place them in waterproof envelopes or if you’re techsavvy, scan the documents onto a CD or portable storage drive. Then, store them in a safe deposit box at a financial institution or in a secure portable carrying case quick for the grabbing. Attention Visa ® Cardholders: Traveling Outside the United States? Before traveling abroad especially to foreign countries, please contact the credit union before using your Hickam FCU Visa Credit or Hoku CheckCard. Let us know the following information: • Where you are traveling • When you are traveling This information will alert us to any transactions that occur outside your typical card use behavior and purchase patterns. Due to an increase of fraudulent transactions from certain countries with extremely high suspicious activities, your Visa Credit and Hoku CheckCard may be blocked automatically unless we are notified. We want to ensure that your money is safe and secure. And equally so, we want to ensure that you have uninterrupted use and convenience of your Visa cards while traveling. Call us by phone at 423-1391 or toll-free 1-800-432-4328. BUILD EQUITY FASTER AND SAVE SIGNIFICANTLY FOR THE FUTURE 15-Year Fixed Mor tgage 5.70 6.006 % Simple Interest* % Annual Percentage Rate* Review Homeowner’s Insurance Coverage Check your policy to see what is and isn’t covered in the case of natural disasters. Also, if you live in a flood zoned area and along shorelines, explore adding flood coverage just in case. If you’re looking to refinance a 30-year mortgage and can afford to make higher monthly payments, then Hickam FCU has a low-rate 15-year Fixed Mortgage to help pay off your loan more quickly. Call 440-5380 for details. Build Emergency Cash Reserves Save regularly to your Hickam FCU Money Market Account and build your emergency funds. Also, open a Hickam FCU home equity line of credit and have it available for repairs and other emergencies. These accounts are easily accessible and flexible. *Based on an owner-occupied, single family residential property located in the State of Hawaii, 15-year fixed loan at 5.70% simple interest (6.006% APR plus 2.00 points), you will have 180 monthly principal and interest payments of $827.74 per $100,000. APR is based on maximum Mortgage Loan based on 100% of appraised value or 90% of current year State real property valuation whichever is higher. Rates, terms and conditions are subject to change without notice. Property insurance required. Flood insurance may be required. Certain terms, conditions, appraisal costs, trust reviews and other third party fees may apply. HICKAM FEDERAL CREDIT UNION P. O. Box 30025, Honolulu, Hawaii 96820 (808) 423-1391(Oahu) Toll-free 800-432-4328 (Continental U.S & Neighbor Islands only) Audio Response (808) 218-6000 (Oahu) Audio Response Toll-free: 866-903-4328 (Continental U.S & Neighbor Islands only) www.hickamfcu.org Office Locations Main Office (Hickam AFB) 40 Hickam Court Honolulu, Hawaii 96818 Mon-Thurs, 8am-4pm. Fri, 8am-5pm. Mililani Branch 95-1249 Meheula Parkway Suite 119 Mililani, Hawaii 96789 Mon-Fri, 9am-6pm. Sat, 9am-2pm. Pearlridge Branch 98-1005 Moanalua Road Suite 245 Aiea, Hawaii 96701 Mon-Fri, 9am-6pm. Sat, 9am-3pm. Kapolei Branch LOAN RATES (Effective 7/1/07) NEW AUTO** (Over $15,000) (Over $20,000) USED AUTO** (Over $15,000) PERSONAL**+ APR* As low as 3.75% As low as 4.25% As low as 4.75% As low as 5.75% As low as 6.75% Terms Up to 3 years Up to 4 years Up to 5 years Up to 6 years Up to 7 years As low as As low as As low as As low as 4.25% 4.75% 5.75% 6.75% Up to Up to Up to Up to 3 years 4 years 5 years 6 years As low as As low as As low as As low as 6.75% 7.25% 7.75% 8.25% Up to Up to Up to Up to 2 years 3 years 4 years 5 years Savings Secured 3.50% Up to 6 years Line-of-Credit 9.50% Open Overdraft Protection 11.00% Home Equity Line of Credit*** 8.45% Adjusted annually *Annual Percentage Rate. **Rate disclosed is the lowest rate available based on the establishment of automatic payment. 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. For auto loans, maximum loan amounts are based on 120% MSRP, which may include tax, license, GAP, extended warranty or other auto related add-ons, for New Auto Loans and 100% retail Kelley Blue Book value (age of vehicle plus loan term cannot exceed 10 years) for Used Auto Loans. +This is an open-end loan. Terms indicated are for payment calculations only. ***Current standard variable indexed rate as of 3/1/07, adjusted annually and is for owner-occupied product. APR may vary annually, but will not exceed 18%. Minimum and maximum line amounts are $20,000 and $200,000 respectively. Property must be fee simple and reside in state of Hawaii. Certain terms, conditions and restrictions may apply. Rates are subject to change without notice. All loans are subject to credit approval. SAVINGS RATES (Effective 7/19/07) Dividend Rate PRINCIPAL PLUS CERTIFICATE ($500 Minimum Deposit) 6 - 17 Months 3.93% 18 - 29 Months 4.07% 30 - 36 Months 4.17% APY* 4.00% 4.15% 4.25% IRA CERTIFICATE ($500 Minimum Deposit) 12 Months 3.93% 24 Months 4.07% 36 Months 4.17% 4.00% 4.15% 4.25% MONEY MARKET $5,000.00 - $14,999.99 $15,000.00 - $24,999.99 $25,000.00 - $49,999.99 $50,000.00 - $99,999.99 $100,000.00 - $149,999.99 $150,000.00 - $199,999.99 $200,000.00 - $249,999.99 $250,000.00 or more 1.05% 1.30% 1.55% 2.00% 2.25% 2.75% 3.00% 4.00% 1.05% 1.31% 1.56% 2.02% 2.27% 2.78% 3.04% 4.07% INDIVIDUAL RETIREMENT ACCOUNT $0.00 - $4,999.99 1.00% $5,000.00 - $24,999.99 1.25% $25,000 or more 1.50% 1.00% 1.26% 1.51% SAVINGS ($25 Minimum Deposit) 1.00% 1.00% 0.50% 0.50% CHECKING (No Minimum Deposit) *Annual Percentage Yield (APY). APYs may change after accounts are opened and are subject to change without notice. APYs are effective as of the date listed as updated. Fees or other conditions may reduce earnings. For Certificates, an early withdrawal penalty may be imposed if withdrawal occurs before maturity. Certain terms, conditions and restrictions may apply. 590 Farrington Hwy, Suite 501 Kapolei, Hawaii 96707 Mon-Fri, 9am-6pm. Sat, 9am-2pm. Board of Directors Ray Romero Chairperson Carol J. Ebia Vice Chairperson Duke T. Hiyama Chief Financial Officer Abigail K. Nishida Secretary Larry Damewood Director Wilbert M. S. Ho Director Yvonne P. Kaawaloa Director Tina Mendes Director Sharon K. Miyazawa Director Supervisory Committee Tina Mendes Chairperson Adrian Yunson Secretary Ron Bunda Member Lee Ives Member The Hickam Difference is a newsletter published quarterly. Information herein is deemed accurate at the time of printing. Federally insured by the NCUA Columbus Day Monday, October 8, 2007 Labor Day Monday, September 3, 2007 Observed Holidays P.O. Box 30025 Honolulu, HI 96820 HICKAM FEDERAL CREDIT UNION Honolulu, HI Permit No. 9235 PAID PRSRT STD U.S. Postage
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