OWNERS COUNT A publication for the members of Hawaii Community Federal Credit Union. In This Issue: • Staff Service Awards 220 years of service by 12 employees ……………… Pg. 2 • 2015 Board of Directors Appointment …… Pg. 2 • The Food Basket is Expanding We need more room thanks to you! ……………………… Pg. 3 • In Our Community ………… Pg. 3 The Food Basket’s Feed-A-Thon Relay For Life Kako`o I Na Keiki King Kamehameha Day Parade • 2015 Scholarship Recipients Congratulations to all the winners ………………… Pg. 4 • Important Notice about Inactive Accounts • Atlas Insurance Welcome Eugene Tagawa … Pg. 7 Holiday Schedule: Offices closed on the following dates: • Independence Day (Observed) | Fri. 7/3 • Employee Training Day | Fri. 8/21 • Labor Day | Mon. 9/7 • Columbus Day | Mon. 10/12 • Veterans’ Day | Wed. 11/11 • Thanksgiving Day | Thur. 11/26 • Christmas Eve | Thur. 12/24 – Closing at 12 PM. • Christmas Day | Fri. 12/25 1 July 2015 (L to R): Andrea Hori – Kohala Branch Senior Teller, Lee Ann Ashimine – Kohala Branch Operations Officer, Lakme Nishie – Kohala Branch Manager. Congratulations to Lee Ann Ashimine for being named Hawaii Community Federal Credit Union’s Employee of the Year for 2014! Lee Ann has worked for the Credit Union for 27 years consistently demonstrating a strong work ethic, enthusiasm and commitment to superior member service. As the Operations Officer at the Kohala branch she is an excellent role model who has earned the respect of her peers and leadership, and is greatly admired by her team. Lee Ann is an active volunteer in community activities, such as Toys For Tots, Kohala High School Senior Night, and assisting seniors at the elderly housing. 2014 EMPLOYEE OF THE YEAR: LEE ANN ASHIMINE 78 TH ANNUAL MEMBERSHIP MEETING & LUNCHEON The Waikoloa Beach Marriot Resort & Spa provided an enjoyable setting for our annual business meeting and luncheon. Over 350 member/owners joined us on Saturday, May 2, 2015 for our business session and a luncheon featuring an all-you-can eat buffet, a variety of entertainment and the ever popular cash prizes, while commemorating staff achievements. We look forward to celebrating our 79th Annual Membership Meeting & Luncheon next year!
Transcript
OWNERSCOUNT
A publication for the members of Hawaii Community Federal Credit Union.
In This Issue:• Staff Service Awards
220 years of service by 12 employees ……………… Pg. 2
• 2015 Board of Directors Appointment …… Pg. 2
• The Food Basket is Expanding We need more room thanks to you! ……………………… Pg. 3
• In Our Community ………… Pg. 3 The Food Basket’s Feed-A-Thon Relay For Life Kako`o I Na Keiki King Kamehameha Day Parade
• 2015 Scholarship Recipients Congratulations to all the winners ………………… Pg. 4
• Important Notice about Inactive Accounts
• Atlas Insurance Welcome Eugene Tagawa … Pg. 7
Holiday Schedule:Offices closed on the following dates:
• Independence Day (Observed) | Fri. 7/3
• Employee Training Day | Fri. 8/21
• Labor Day | Mon. 9/7
• Columbus Day | Mon. 10/12
• Veterans’ Day | Wed. 11/11
• Thanksgiving Day | Thur. 11/26
• Christmas Eve | Thur. 12/24 – Closing at 12 PM.
• Christmas Day | Fri. 12/25
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July 2015
(L to R): Andrea Hori – Kohala Branch Senior Teller, Lee Ann Ashimine – Kohala Branch Operations Officer, Lakme Nishie – Kohala Branch Manager.
STAFF SERVICE AWARDSThis year we celebrated 220 years of service by 12 employees.
Mahalo to our staff for all their hard work and commitment to our member/owners.
Wynona Palmer Visa Clerk II
Claire HayamaShare Draft Officer
Edwina PauoleAccounting Officer
Mel VenturaExecutive Vice President
Member Services
Lisa RiveraBookkeeper
Lorrie GomesSenior Teller
Roberta Komine Teller Clerk I
Hilda IttuShare Draft Clerk II
Kimberlynn Brigoli-PaoTraining Coordinator
Lakme NishieBranch Manager -
Assistant Vice President
Sheri Mezera ACH/EFT Coordinator
Tiffany TylerCall Center Representative
45 Years 20 Years
15 Years
10 Years
30 Years
(L to R): Tiffany Tyler, Sheri Mezera, Edwina Pauole, Claire Hayama, Wynona Palmer, Lisa Rivera, Lorrie Gomes, Hilda Ittu. Not Pictured: Mel Ventura, Roberta Komine, Kimberlynn Brigoli-Pao, Lakme Nishie.
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Hawaii Community Federal Credit Union is pleased to announce three members nominated and appointed to the nine-member board of directors. Thomas Griffiths, retired credit union professional of 34 years, Carol S. Ikeda, retired 4-H educator and University of Hawaii professional, and Chrystal “Chrys” Thomas Yamasaki, owner and manager of Wes Thomas Associates.
The board named its officers: Dwight Manago as chairman, Daryl Kurozawa as vice chairman, Mary Katayama as secretary, and Ross Oue as treasurer. Also serving on the board in 2015 will be: Peggy Ciriako and Marilyn Koschella.
Board members serve three-year terms on a voluntary basis. They are responsible for providing direction to staff to meet members’ financial needs, as well as maintaining the sound fiscal condition of the credit union.
Chrystal Yamasaki Carol Ikeda Thomas Griffiths
WELCOME ABOARD
Our Keiki Went Wild About Saving!This past April we celebrated National Credit Union Youth MonthTM with fun activities at our branches to encourage our keiki member/owners to save as much as they can and go wild! This year our wild savers deposited over $800,000 and conducted nearly 8,000 transactions - what a great start for our keiki to discover the power of saving early at Hawaii Community Federal Credit Union.
Our Wild About Saving Winners...
Sophie Droscoski3 Years Old
Radio Flyer – The Ultimate
Comfort Wagon
Malakai Akea 6 Years Old
LeapFrog Leap TV Educational Active Video Game System
Janexty Kaaloa9 Years OldAcer C720
Chromebook
Myah Bartsch13 Years Old
GoPro HERO3: White Edition
Jacob Kari Micaiah Garan
The keiki of HCFCU staff auditioned for a chance to be chosen as our Radio Stars and we found the perfect pair, Jacob Kari and Micaiah Garan. Jacob is the son of our Creative & Youth Services Coordinator, Mary Kari, and Micaiah is the son of our Assistant Bookkeeper, Kristy Akao.
Congratulations to our graduating Student Credit Union volunteers & TELLERS
In Our CommunityThe Food Basket’s Feed-A-ThonMahalo to the staff and members of Hawaii Community Federal Credit Union for their donations to the annual Feed-A-Thon food drive. All together we were able to donate 770lbs of food! The annual eight-day, island wide food drive raised food to replenish the Food Basket’s pantry to feed the hungry on Hawaii Island.
Relay For LifeWe will be participating in the Annual Relay for Life of Kona on Saturday, July 11, 2015. Stop by our tent and help us exceed our fund raising goal of $5,000!
Kako`o I Na KeikiWe are proud to be participating in the upcoming school supply drive, Kako`o I Na Keiki. Bring your school supply donations to our branches throughout the month of July. Let’s support our island keiki!
King Kamehameha Day Parade Our Kohala Branch celebrated King Kamehameha Day by participating in the annual parade. The float carried current and retired staff from HCFCU totaling 120 years of service! A special mahalo to Jan Baldado and her ohana for donating the 20 foot kukui nut lei and to Ellen
Kato for donating her property and time for the float construction and decorating.
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Earlier in the year we were pleased to
announce that The Food Basket, Hawaii
Island’s Food Bank, was chosen as Hawaii
Community Federal Credit Union’s Social
Responsibility beneficiary for the next three
years. Now we are delighted to announce
that we will soon be neighbors! The Food
Basket will be building a new warehouse
located above our John Y. Iwane Credit Union
Center and Branch located in the Kaloko Light Industrial Area.
The new larger warehouse space will greatly improve The Food Basket’s
ability to meet the needs of our community with increased food
inventory, including better refrigeration capacity for storage of fresh
product and emergency power systems to ensure a steady supply
of food during emergencies. The number of people being
served in West Hawai`i has nearly doubled over the past five
years. With continued limited employment opportunities and
the economic downturn, this trend is expected to continue as
The Food Basket expands reach into under-served areas.
Our Wild About Saving Winners...
Congratulations to our graduating Student Credit Union volunteers & TELLERS
2015 marks Hawaii Community Federal Credit Union’s 29th year of scholarship awards to deserving high school seniors. $2,500 in scholarship funds were awarded to seven recipients who were chosen out of a field of 100 applications from 17 high schools on the Island of Hawaii. Congratulations and best wishes to our college-bound recipients.
John Y. Iwane ScholarshipJon Ehrenberg West Hawaii Explorations Academy Jon will be attending the University of Hawaii at Hilo, majoring in Marine Biology with a future goal of achieving a Doctorate Degree in either Marine Biology or Ichthyology. The preservation of reefs through regulation of overfishing and control of ocean pollution will be his ultimate goals.
Albert Akana ScholarshipShayli Nakamoto Konawaena High School Shayli plans to attend Southern Virginia University and major in Child and Family Development. She plans to obtain a Doctorate Degree from Brigham Young University in Psychology and eventually, become a Counseling Psychologist.
Frank Ishii ScholarshipNina Cardoza Honokaa High School Nina plans to attend the University of Hawaii at Hilo and enter the Daniel K. Inouye College of Pharmacy with the goal of becoming a Pharmacist. Her eventual goal is to open her own pharmacy and serve rural areas such as Honokaa. Nina plans to continue her community service volunteering throughout her career.
Peter T. Hirata ScholarshipIsabel Steinhoff Kohala High School Isabel will be attending college with hopes of majoring in business and starting her own event planning company, building the business to eventually put on corporate events. She also plans to pursue a major in either Mathematics or Communications.
Katsumasa Tomita ScholarshipJamae Balagot Hilo High School Jamae plans to attend Concordia University and major in Biology. Thereafter, Jamae plans to enter medical school and become a Pediatrician. She also plans to continue her community service as she pursues her career in medicine.
Mitsugi Inaba ScholarshipHalana Bertelmann-Makanani Kamehameha Schools Hawaii Campus Halana plans to attend Colorado Mesa University to pursue a bachelor’s degree in Kinesiology and eventually getting into the university’s Physical Therapy Program. Her ultimate goal is to receive her Doctorate in Physical Therapy and practice as a Licensed Physical Therapist in her Big Island community.
Michael Asam ScholarshipHinatea Otare Kealakehe High School Hinatea plans to attend American University of Paris and pursue a degree in History and Archeology. Her goal is to become either a Historian or Archeologist. While in Europe, Hinatea plans to immerse herself in many different cultures and learn their histories. Eventually, she would like to teach at a university and inspire others to pursue similar goals.
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2015 SCHOLARSHIP RECIPIENTS$17,500 IN SCHOLARSHIPS FUNDS AWARDED
To find out more information about our private student loans, visit us online at www.hicommfcu.com.
Congratulations to our graduating Student Credit Union volunteers & TELLERS
Hawaii Community Federal Credit Union considers an account inactive if the period of time since the last member financial transaction (not including payment of dividends or fees charged) is three years or longer. It is not the primary intent of HCFCU to charge fees on these accounts; however, maintaining such accounts is costly.
After three years of no activity, a $5 inactive account fee is charged each month until there is activity on the account or the funds in the account are exhausted.
Hawaii State law states that if an account has had no activity for a period of five years, the account is presumed to be abandoned. Funds in abandoned accounts must be turned over to the Unclaimed Property Division in the state of Hawaii if we are unable to contact you. We will attempt to contact you at your last known address and/or telephone number before this action is taken.
To avoid incurring monthly inactive account fees, please conduct a transaction on your account at least once every two years. If you have any questions regarding this fee, please call us at 808-930-7700 or toll free at 1-800-514-2328 or email us at [email protected].
If you’re looking to save on your wireless bill, then it might be time to say hello to the Sprint Credit Union Member Discount! As a member of Hawaii Community Federal Credit Union, you can save up to hundreds on your wireless bill each year.
IMPORTANT NOTICE ABOUT INACTIVE ACCOUNTS
To find out more information about our private student loans, visit us online at www.hicommfcu.com.
SAY HELLO TO THE SPRINT CREDIT UNION MEMBER DISCOUNT
Individuals • Get a 10% discount on select
regularly priced Sprint monthly service
• Have your activation fee on new lines waived (up to $36 in savings)
• Have your upgrade fee waived (up to $36 in savings)
• Use Corporate ID: NACUC_ZZM to claim your discount
Business • Get a 15% discount on select
regularly priced Sprint monthly service
• Have your activation fee on new lines waived (up to $36 in savings)
• Have your upgrade fee waived (up to $36 in savings)
• Use Corporate ID: NACUC_ZDS_ZZM to claim your discount
3 Ways to Get Your Discount: - Call 877.SAVE.4CU (877.728.3428) and let
them know you’re a credit union member and use one of the Corporate ID numbers above.
- Click LoveMyCreditUnion.org/Sprint
- Visit your nearest Sprint store
Start saving today with the Sprint Credit Union Member Discount.
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Ways you can save:
AUTO LOAN RATES AS LOW AS
NO PURCHASE NECESSARY. *Annual Percentage Rate. Your APR will be based on your creditworthiness. Certain terms and conditions apply. All loans subject to approval. Rates, terms, restrictions, and conditions are subject to change. Subject to insurance confirmation. Offer good from June 29, 2015 - August 1, 2015. Payment example: A loan of $10,000 with a 1.89% APR with a 60 month term will have 60 monthly Principal & Interest payments of $174.80, which includes $487.94 total interest paid. Offer applies to new HCFCU loans only. Must be a member and establish a regular share account with a minimum balance of $50.00. **One entry, per person, per day. Kona Professional Housekeepers, Whirlaway Systems of Hawaii and Vacations Hawaii are registered trademarks and have no affiliation or sponsorship of this contest. Visit any HCFCU branch or participating dealership to enter prize drawing. Official rules available online at www.hicommfcu.com.
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ATLAS INSURANCE: WELCOME EUGENE J.K. TAGAWA
HURRICANE INSURANCE INFORMATIONHurricane season is here and it is expected to be similar activity or higher due to El Nino conditions that continue to affect the Pacific weather. A hurricane is a storm that has been declared and defined to be a hurricane by the Central Pacific Hurricane Center with wind speeds greater than 74 miles per hour.
Hurricane insurance tips:
1. If you do not have hurricane coverage, it would be a good idea to check with Atlas Insurance on how much it would cost to purchase hurricane insurance. Prices vary on the age, build quality, and if hurricane clips are installed.
2. If you have hurricane coverage, you should check with your agent to make sure you have sufficient coverage for your Dwelling (the structure of your home), Personal Property (everything you brought into the home when you moved in, such as the refrigerator, television, clothing, etc.), and even loss of use (coverage that would pay for a place to stay while your home is being put back in a livable state).
3. Coverage and premium can vary with the multiple companies that Atlas represents. We also can look at coordinating individual needs with coverage and cost that can make a significance difference.
Brought to you by Atlas Insurance.
For insurance options contact Eugene at 854-2432 or [email protected].
We’re proud to announce our new representative for Atlas Insurance, Eugene Tagawa. Eugene earned his Bachelor of Arts Degree in Human Communication from the University of Hawaii and has almost three years of insurance experience. Eugene is excited to work with our member/owners to find them the best premiums and coverage for their home, auto and commercial insurance. For more information you can contact Eugene directly at 854-2532 or [email protected].
Fraud is Not Fun
Call it a not-so-fun fact but more cards have been reissued as a result of data breaches than there are people in the U.S. Regularly monitor your accounts and consider adding a password to your account to protect your personal information from telephone and wire fraud. For added protection, visit our website for our Fraud Defender product with plans as low as $2.95 a month that provide you with expert preventative and responsive services.
The world of payments is evolving and we are seeing the advancement from typical static magnetic stripe cards to more intelligent cards. These new cards use EMV technology and it is the next generation of payments. EMV stands for Europay®, MasterCard® and VISA®. This technology has become the new standard around the globe for credit and debit payments. It is currently being used in 130 countries around the world including Canada and Mexico, and is being rolled out across the U.S. This new technology relies on smart chips that are embedded in your payment card. The EMV chip adds a level of protection to your sensitive data that is nearly impossible to duplicate.
U.S. financial institutions and merchants are currently transitioning over to this new technology. Please stay on the lookout for more information regarding Hawaii Community Federal Credit Union’s conversion over to EMV technology for our VISA® Credit Card and Debit Cards.
What is an EMV Card?An EMV Card is a card with chip-based technology that features an embedded microchip to provide enhanced security and protection against fraud.
Can I use my card for everyday transactions or at non-chip terminals?Yes! Your EMV Card will also have the usual magnetic stripe on the back so you can continue using your card at point of sale terminals while merchants in the U.S. are transitioning to new terminals.
What are the benefits of EMV Cards?The biggest benefit of EMV Cards is found in their increased security features. Plus you’ll enjoy greater acceptance when traveling, as the cards are common in over 130 countries around the world, including Canada, Mexico and Europe.
The Changeto EMV
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How to use your new EMV card
❶ Insert your card into the ATM or point of sale terminal following the instructions on the terminal. It is important to leave your card in the terminal until the transaction is complete. If you remove your card too soon, the transaction will end and your purchase will not be processed.
❷ The terminal may require you to input your PIN or sign your sales receipt to complete your purchase.
❸ For sales transactions, the terminal will display your purchase amount.
❹ When your transaction is complete, it is important to remember to remove your card.
