At Hawaii Schools Federal Credit Union, we are committedto helping you understand what an auto loan is, how to giveyou the best rate, and tell you what the best financing optionsare for you.

We have experienced staff with over 25 years of lendingexperience to serve you. That means that you are in goodhands when you have questions about financing, refinancing,or credit. They work with you one-on-one on the applicationprocess, to pre-qualify, help you understand the loan process,see whether or not an auto loan or other type of loan wouldbe a better fit for you, and even educate you on how toimprove your credit score.

If you are in the market for a new or used automobile and areconcerned with the payments, Hawaii Schools Federal CreditUnion has an extraordinary auto loan rate for a limited timeonly at…1.99% APR* for terms up to five (5) years.

There are three (3) simple ways to take advantage of this great rate:

1. Inform the auto dealership that you intend to financeyour auto loan through Hawaii Schools Federal CreditUnion and that we participate in the automated CUDLsystem, which makes the lending process a breeze.

2. Fill out an auto loan application on our website atwww.hawaiischoolsfcu.org and fax it to: 538-3231, mail it to: 233 Vineyard Street, Honolulu, HI 96813, ordrop it off at our Downtown Branch.

3. Come into our Downtown Branch to fill out anapplication.

So if you want experience and service on your side as well asan extraordinary auto loan rate when you’re financing orrefinancing your next auto loan, come to Hawaii SchoolsFederal Credit Union. Call our Lending Department at 791-6211 for more information.

Keep Your Accounts UpdatedThe last thing you want to worry about when moving orchanging your name is that the records on file at your creditunion have not been updated. If anything, Hawaii SchoolsFederal Credit Union should be one of the first places youshould check.

Did you know that you don’t have to come into the branch to update your address? You can simply go online to ourwebsite at www.hawaiischoolsfcu.org and fill out a Change of Address Form. The Change of Address Form can be foundunder the Applications and Forms menu header. Oncecompleted, you can fax it back to 538-3231, mail it back tous at: 233 Vineyard Street, Honolulu, HI 96813, or drop itoff at our Downtown Branch. With a name change, the creditunion asks that you mail or bring in the necessary documents(i.e. marriage certificate, court order, etc.) that prove that aname change was made.

We want to be sure that we have the most currentinformation on file so that your information is accurate andthat you receive your month-end statements, correspondence,and other documents from the credit union accordingly.

Should you need assistance with receiving a Change ofAddress Form or with filling one out, please call ourDowntown Branch at 521-0302, then select option 2.

You’ve Come to the Right Place toFinance Your Next Auto Loan orRefinance Your Existing Auto Loan

Savings Dividend Rates*Savings**

$25.00 to $9,999.99 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.10% APY$10,000.00 to $49,999.99 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.10% to 0.14% APY$50,000.00 and Over . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.14% to 0.20% APY

Holiday Club Savings 1 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1.00% APYIndividual Retirement Account (IRA)

$0.00 to $9,999.99 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.30% APY$10,000.00 to $49,999.99 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.30% to 0.38% APY$50,000.00 and Over . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.38% to 0.50% APY

Individual Retirement Account (IRA) Share Certificate 1

1 Year Term . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.50% APY2 Year Term . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.60% APY3 Year Term . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.70% APY4 Year Term . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.80% APY5 Year Term . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1.00% APY

Share Certificate 1

6 Month Term . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.25% APY12 Month Term . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.35% APY24 Month Term . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.45% APY36 Month Term . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.55% APY48 Month Term . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.75% APY60 Month Term . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.95% APY

Super Saver Certificate Share Account 2

12 Month Term . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3.00% APY

Personal Loan Product RatesShare Secured Loans 3,4

Borrowing $45,000.00 and Over . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2.00% Margin$30,000.00 to $44,999.99 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2.50% Margin$15,000.00 to $29,999.99 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2.75% Margin$14,999.99 and Lower . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3.00% Margin

Personal Loan 4,5 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2.74% APRTuition Loan 4,5 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1.74% APRNew & Used Vehicle Loan

New Vehicle Loan 4,5 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1.70% APRUsed Vehicle Loan 4,5 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1.70% APR

Overdraft Line of Credit 5 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8.00% APRVisa Credit Cards 6

Visa Gold Credit Card . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9.50% APRVisa Platinum Credit Card 7 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5.90% APR

Real Estate Loan Product Rates*Home Equity line of Credit

Loan-To-Value 80% 8,9

1-Year Rate Fixed . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1.00% APR3-Year Rate Fixed . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3.00% APR5-Year Rate Fixed . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4.00% APR

Loan-To-Value 90% 8,9

1-Year Rate Fixed . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6.00% APR3-Year Rate Fixed . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6.00% APR

Fixed-Rate Mortgage LoansLoan-To-Value 80% 10

5-Year Term, No Points . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3.75% APR7-Year Term, No Points . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4.00% APR10-Year Term, No Points . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4.25% APR15-Year Term, No Points . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4.75% APR

Loan-To-Value 90% 10

15-Year Term, No Points . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7.25% APR

*APY is Annual Percentage Yield; APR is Annual Percentage Rate. Rates current as of 01/01/2015; subject tochange. All credit union products & services subject to membership eligibility. All loan products subject to creditreview. **Earn one or more of the noted APYs based on each portion of your average daily balance (ADB) that fallswithin each tier. 1This account is subject to a penalty for early withdrawal, which may result in forfeiture of accrueddividends. Holiday Club Savings accounts are subject to a maximum monthly deposit of $200. Share Certificateaccounts are subject to a minimum deposit of $2,500. 2Super Saver Certificate Share Account: This account is subjectto a penalty for early withdrawal, which may result in forfeiture of accrued dividends and is subject to a maximumopening deposit of $1,000 and available for a 12-Month term only. Limited to one account per member with aChecking Account including a direct deposit arrangement. Other restrictions may apply. Limited time offer; subjectto change or cancellation without notice. 3Shared Secured loans will incur a rate of no more than 3.00 percentagepoints (what we call a Margin) above the posted Dividend Rate (APY) for the type of Savings or Share Certificateaccount pledged for collateral; based on average dividend rate for deposit pledged. 4Lowest available rate for a3-year term loan on Vehicle Loans and a 1-year term loan on Personal and Tuition Loans including a 0.25% (quarter-percent) discount for existing/renewing members. Other rates and terms available. 5Based on credit standing, loanrates may vary up to 17.00% APR for a Tuition Loan or 18.00% APR for all other loans. Vehicle Loan amountmaximum for all vehicle loans are based on the value of the vehicle. 6Visa Gold and Platinum Credit Cards aresubject to underwriting guidelines. Visa Platinum Credit Card’s minimum credit line is $5,000. 75.90% APRintroductory rate for a period of six (6) billing cycles. Standard purchase rate is 7.90% APR. 8APRs are the lowestavailable rates including a 0.25% (quarter-percent) off for existing/renewing members (if applicable). Forresidential, owner-occupied, fee simple properties in the State of Hawaii; for refinancing or advancing equity of anexisting home, and not for purchase of a new home. Lowest available rate subject to certain conditions. 9Currentstandard rate for 80% is 5.00% APR. Current standard rate for 90% is 6.00% APR. 10Lowest available rate subjectto certain conditions. For residential, owner-occupied, fee simple properties in the State of Hawaii.

Check Your Credit Report FirstIf you are thinking about buying a home or applying forcredit, it is always best to know what is on your report beforeyour lender does. This will help give you an opportunity to clean up any discrepancies or errors before you apply for a loan.

You are entitled by law to one free copy of your credit reportfrom each of the three credit bureaus; Equifax, Experian, andTransUnion.

When you get your credit report(s), review them carefully to make sure all of the loans and credit card accounts listedbelong to you, and that all of the accounts listed as open areactually current loans or balances. If you see a discrepancy on your report, contact the credit bureau and ask for yourreport to be corrected. It is also a good idea to review yourcredit information regularly to guard against identity theft. An identity thief may use your information to open a new credit card account in your name. When the bill is not paid,the delinquent account is reported on your credit report,damaging your ability to get credit in the future andsubjecting you to calls from bill collectors.

Information on your credit report is retained for up to seven to ten years. You can gradually repair your credit by consistently paying your bills on time, paying downbalances, and not taking on new debt. Lenders will take your improved record into consideration when decidingwhether to approve credit.

Be proactive and check your credit reports annually with the three credit bureaus. To receive a free copy of your creditreport(s) call or go online to:

• Equifax – 1-800-685-1111 or www.Equifax.com

• Experian – 1-888-397-3742 or www.Experian.com

• TransUnion – 1-800-916-8800 orwww.TransUnion.com

1ST Quarter 2015

Hawaii Schools Federal Credit Union will be offeringFREE tax services again through the Volunteer IncomeTax Assistance (VITA) program. The program offersfree tax return preparation for those who qualify for the Earned Income Tax Credit.

Anyone who is interested in this service can make anappointment by calling 791-6224 starting Monday,February 9, 2015 to Tuesday, March 31, 2015during normal business hours.

FREE Tax Services Are Available

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233 Vineyard StreetHonolulu, Hawaii 96813Phone: (808) 521-0302Toll-Free: (866) 521-0302Fax: (808) 538-3231Monday, Tuesday, Thursday–8:30AM to 5:00PM

Wednesday–8:30AM to 4:00PM

Friday–8:30AM to 6:00PM

Saturday & Sunday–Closed

Hawaii Schools Federal Credit Union

Start the Year off Right byConsolidating Your Debt

Distracted driving is at an all-time high so we want to makesure our members are aware of Sprint Drive First, the freeSprint app that automatically holds texts and calls whiledriving. The program automatically activates when the car isin motion – but can be overridden for emergency 911 calls.

Sprint Drive First also offers:• Auto Reply – Users can send preprogrammed auto-replies

for incoming texts

• Allowed Applications – Drivers can selectively allow appsthat are relevant like maps and music

• Allowed Contacts – Users can designate phone numbersthat never get blocked

• Custom Notifications – Account holder can choose to benotified when Sprint Drive First is overridden

Here are some powerful statistics from distracteddriving.govand the Insurance Institute of Highway Safety:

• Drivers who use handheld devices while driving are fourtimes more likely to get into crashes serious enough toinjure themselves.

• Each day more than 16 people are killed and more than1,300 are injured in crashes involving a distracted driver.

• Text messaging is banned for all drivers in 34 states andthe District of Columbia.

For more information on Sprint Drive First, go toLoveMyCreditUnion.org/Sprint.

With all of the bills you may have accumulated during theholidays, now would be a great time to get control of thatdebt, stress, and headache and start the new year off rightwith a Hawaii Schools FCU Personal Loan, or a Home Equity Line of Credit (HELOC).

Regardless of the option you take, the rates are very low. For a Personal Loan, get a rate1 as low as 2.74% APR for 1-year. For a Home Equity Line of Credit, you have three options of rates2; 1-year for 1.00% APR, 3-years for 3.00% APR, or5-years for 4.00% APR.

Apply now and pay off your debt sooner, rather than later! For manageable monthly payments call our LendingDepartment at 791-6211 and ask for an application to bemailed to you, come into our branch, or go to our website at www.hawaiischoolsfcu.org and click on the menu headerApplications & Forms. Once you complete the application,fax it to: 538-3231, mail it to: 233 Vineyard Street,Honolulu, HI 96813, or drop it off at our DowntownBranch.1&2APR is Annual Percentage Rate. For a Personal Loan, the lowest availablerate is a 1-year term including a 0.25% (quarter-percent) discount forexisting/returning borrowers. Based on credit standing. Personal Loan ratesmay vary up to 18.00% APR. Other rates and terms available. For HomeEquity Lines of Credit, APRs are the lowest available rates. For residential,owner-occupied, fee simple properties in the State of Hawaii; forrefinancing or advancing equity of an existing home, and not for purchaseof a new home. Lowest available rate subject to certain conditions.

If you ever decide to travel to the mainland or out of thecountry, know that you can conduct many of your HawaiiSchools Federal Credit Union transactions at more than 5,000 Shared Service Centers.

Using a Shared Service Center is just as easy as coming intoour Downtown branch. Here are the types of transactions that you can typically do:

- Deposit checks and cash- Withdraw cash- Make loan payments- Transfer money between

your own accounts- Receive a statement printout- Purchase money orders- Purchase traveler’s checks

For more information on a Shared Service Center or to find one closest to your travel destination, visit www.co-opsharedbranch.org and look for a credit union thatdisplays the “CO-OP” logo or, go to our website homepage atwww.hawaiischoolsfcu.org and go to the header that reads:CO-OP Shared Branch & ATM Locations. Once there, scrolldown to the sub-heading CO-OP Shared Branch Locations.

You Can Conduct Transactions Out-of-State at Shared Service Centers Nationwide

Reserve Your Seat for the 78TH Annual Meeting & Luncheon

Applications Available For the 2015 Edwin M. Kuniyuki MemorialScholarship AwardThe Edwin M. Kuniyuki Memorial Scholarship is awarded to one high school senior who will be continuing theireducation at an accredited college or university located in the United States. If you currently are a high school senior and are interested in applying, application forms are now available for pick up from our Administration Office or may be obtained via our website homepage atwww.hawaiischoolsfcu.org.

The 2015 scholarship award winner will receive a $1,000scholarship award.

Completed applications must be received no later than Friday,February 20, 2015. You must be a member of the creditunion at the time of applying. For additional information,please call Jana at 791-6229.

Keeping Our Members Safe with Sprint Drive First

Reserve your seat today for Hawaii Schools FederalCredit Union’s 78TH Annual Meeting & Luncheon.

Due to declining attendance and feedback from ourmembers, this year’s event will consist of a businessmeeting and luncheon with no formal program orentertainment.

The Business Meeting is for primary members only and attendance is free of charge. Costs (member andnon-member rates) to attend the luncheon are listed onthe inserted order form. Space for the luncheon is verylimited so reserve your seats early. Deadline for theorder form and payment is Friday, February 6, 2015.

Should you need assistance or if you have any questionsabout the Annual Meeting & Luncheon, please call Jana at 791-6229. Validation for self and valet parkingat the Hawaii Prince Hotel Waikiki will be provided.

78TH ANNUAL MEETING

Schedule of Events

Saturday, April 18, 2015Hawaii Prince Hotel WaikikiCaptain’s Room, 3RD Floor

11:15am – Check-In for Business Meeting andLuncheon

11:30am – Business Meeting (for primary members only)

11:45am – Check-In for Luncheon only12:00pm – Lunch Buffet1:30pm – Event ends

Looking for a new orused vehicle or want to sell your existingvehicle? Use our CUDL AutoSMARTapplication on ourwebsite homepage at www.hawaiischoolsfcu.org to find thevehicle you want and/or to sell the vehicle you have!

Never Too Early To Start a 1% HolidayClub Savings AccountThe month of December may seem so far away but in notime, the holidays will be rolling around again and you maywish you started a Holiday Club Savings Account withHawaii Schools FCU.

We want you to know that this account isn’t just for saving upto buy Christmas gifts. You can also use it to save up to payoff some bills, to help make a purchase in the future, or tojust have as an emergency or rainy day fund. The great thingabout having a Hawaii Schools FCU Holiday Club SavingsAccount is that you earn more interest on the account thanyou would at most credit unions or banks.

Do not delay…open a Holiday Club Savings Account today!For more information, please call our Downtown Branch at521-0302, then select option 2.

CUDL AutoSMART

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Use this form to reserve your seat for the 78TH Annual Meeting &Luncheon. Mail your completed form by the designated deadlinewith payment, or your authorization to deduct payment from yourHawaii Schools FCU savings or checking account.

To reserve seating, your order form and payment must be received byFriday, February 6, 2015.

Mail to: HSFCU 78TH Annual Meeting 2015233 Vineyard StreetHonolulu, HI 96813

All seating reservations will be processed on a first-received, first-reserved basis.Maximum of ten (10) seats per table. A confirmation letter will be mailed nolater than Friday, April 3, 2015.

78TH Annual Meeting and Luncheon Order Form

Purchaser’s Name _______________________________________________________________________________________________(Must be a Primary Member)

Account Number________________________________________________________________________________________________

Daytime Phone Number__________________________________________________________________________

Address Where Confirmation Letter Should be Mailed ______________________________________

________________________________________________________________________________________________________________

Primary Member* (M) Rate - $25 per seatJoint or Non-Member (NM) Rate - $30 per seat

*The Primary Member is the first name on the account.* Primary membership will be verified at the time of purchase.

List names below:

1.__________________________________________________________________________________________________________ M NM

2.__________________________________________________________________________________________________________ M NM

3.__________________________________________________________________________________________________________ M NM

4.__________________________________________________________________________________________________________ M NM

5.__________________________________________________________________________________________________________ M NM

6.__________________________________________________________________________________________________________ M NM

7.__________________________________________________________________________________________________________ M NM

8.__________________________________________________________________________________________________________ M NM

9.__________________________________________________________________________________________________________ M NM

10.________________________________________________________________________________________________________ M NM

PAYMENT INFORMATION **(All Sales Final)** :

Enclosed is a check payable to Hawaii Schools Federal Credit Union in theamount of $__________________________________ .

I authorize with my signature below, the amount of $______________________________________

to be deducted from my:

Savings Account OR Checking Account

Account Number _____________________________________________________________________________________________

Signature to Authorize Payment ____________________________________________________________________

Date __________________________________________________________________________________________________________________

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