THE

A quarterly publication for Hickam FCU members 4TH QUARTER 2018HickamDif fer ence“We Make a

Difference in OurMembers’ Lives”

On July 16, 2018, the Hickam Federal Credit Union welcomed Scott Kaulukukui as its new Presidentand Chief Executive Officer. Scott’s dedication to the credit union movement began over 20 years agoat HawaiiUSA Federal Credit Union, where he served on the credit union’s executive management team. Scott brings with him a broad range of credit union experiences in such areas as strategic planning,

operations management, marketing and branding, public relations, finance, business development,community outreach, and membership growth. Scott combines his passion and perspective of the creditunion industry with a commitment to Hickam Federal Credit Union’s mission of “We Make a Differencein Our Members’ Lives.” Scott succeeds Gerard Auyong, who announced his retirement earlier this year, after 36 years with

Hickam FCU, the last 30 years serving as its President and CEO. We thank Gerard for his leadershipand dedication to Hickam Federal Credit Union. During a period of transition, Gerard will remain withthe credit union as a consultant to the Board of Directors.Please join us in welcoming Scott Kaulukukui as our new President and CEO. We look forward to

the continued growth and success of the credit union under Scott’s leadership.

Hickam Federal Credit Union Welcomes Scott Kaulukukui as its New President and CEO

Why do millions of peopleworldwide choose creditunions? Because it isthrough credit unions thatmembers can find hope orthe platinum lining that istheir hope to improve theircommunities and lives. Ascooperative and democraticfinancial institutions, creditunions’ success depends on

the success of their members and their community. Your bestinterest is in our best interest. This October 18, Hickam FederalCredit Union will join more than 89,000 credit unions from 117countries and millions of members globally to celebrate the 70thanniversary of International Credit Union Day®.Credit unions strive to make the world a better place for their

members by offering affordable rates and high-quality service thatsimplify their lives and empower them to meet their financial goals.Visit Hickam Federal Credit Union to learn more about how creditunions fuel a force of global good.

Celebrate International Credit Union Day

Stop by any Hickam FCU branch onInternational Credit Union Day, Thursday, October 18, 2018

and receive a 2019 Pocket Calendar*and a member appreciation treat.*While supplies last. Limit 2 per member, per day.

82nd Annual Membership

Celebration

With

Josh TatofiSaturday, March 2, 2019Hawaii Convention CenterIncludes Prime Rib Dinner Buffet, Drawings for cash prizes and a Grand Prize $1,000 Travel Certificate!

per person$32

Dance Music byNueva Vida featuring

Rocky Brown & Jordan Segundo

For reservations call (808) 423-1391 or visit a branch.

We Making a Difference

Hickam FCU Provides FREE Keiki & Kupuna ID Events

Hickam FCU GivesBack to the Community

All rights reserved. Sprint and the logo are trademarks of Sprint. Other marks are the property of their respective owners.

Thanks to the generosity and support of members and staff, HickamFCU was able to raise over $3,500 to benefit two deservingorganizations, the United Cerebral Palsy Association of Hawaiiand the Children’s Miracle Network benefitting the Kapi‘olaniMedical Center for Women and Children. Here at Hickam FCU,we believe in “making a difference in our members’ lives” butwe also believe it is important to reach out and make a differencein our community as well. That’s why, year after year, the HickamFCU ‘ohana is proud to give back to these wonderful organizations.To all who made a donation, thank you for helping to make adifference in the lives of others.

Hickam FCU staff members Pia Renteria, Pearl City Branch Manager (left), ScottKaulukukui, President/CEO (right) and Trena Bacarro, Pearl City Member RelationsRepresentative (center right) present a donation check to Donna Fouts, ExecutiveDirector of United Cerebral Palsy Foundation of Hawaii (center left),

Saturday, October 20, 2018 • 9:00 a.m. to 1:00 p.mHickam FCU Pearl City Branch • 1260 Kuala St. Pearl City

Protect your identity and decrease the clutter by bringingyour personal or confidential documents to be safely andsecurely shredded!

Hickam FCU volunteers providefree Keiki & Kupuna ID’s during

community events.

Recently, Hickam FCUprovided nearly 450 of itspopular Keiki and KupunaID’s at three communityevents, the Labor DayWeekend Celebration at theNEX, Aloha Festivals KeikiHo‘olaule‘a and the SafeCommunities Day, both

held at Pearlridge Shopping Center. Hickam FCU's mission is thesafety and security of its members and community. The Hickam FCU Keiki & Kupuna ID service provides

parents and caregiversof the elderly, a walletsized photo ID withdescriptive informationand a digitally scannedfingerprint that may beused to aide authoritiesin the event a lovedone goes missing.

Limited to two (2) boxes per person.

With the holiday shopping season right around the corner, onlineretailers are gearing up for what could be a recordbreaking year.If you are planning to be one of the millions of people doing theirholiday shopping online – beware. Cyber criminals may be lurkingonline and doing some holiday shopping too – at your expense.Here are some tips for secure online shopping:• Ensure your web browser and antivirus software on your computer or smart device are up-to-date.

• Avoid clicking on links that are sent via email. To visit a particular online retailer, type their URL directly into the web address bar.

• Make sure you are shopping through a reputable online merchant. If you are not sure a merchant’s website is legitimate, do research to check the sites validity before completing a transaction.

Protect Yourself While Shopping Online• Shopping via apps downloaded to smart devices has increasedin popularity and has gained the attention of cyber criminals. Be cautious about apps you download. To avoid downloadingan app infected with malware, that can be used to steal your personal information, only download apps from trusted sources.

• Before providing any personal information, check the retailersprivacy policy to make sure they do not sell your informationto a third party.

• Only initiate online transactions via secure websites. To ensure you are on a secure website look for a padlock icon within your web browser window. Also, look for the letter “s” at the end of the “http” in the website address. A secure website address begins with “https”. The “s” represents “secure”. These signs let you know you are dealing with a secure site.

Introducing the All-New Hickam FCU Website!

Hickam FCU is excited to announce the upcoming launch of our all-new website. The updated www.hickamfcu.org will have a fresh andmodern look, intuitive navigation to help you find the information youneed fast, branch or ATM locator and much more! We will continue tooffer the convenient features you have come to know, such as OnlineBanking, online loan applications and financial calculators.Plus, the all-new website will be mobile responsive for easy and

convenient access across multiple devices. Visit www.hickamfcu.org toexperience all the enhanced features coming in October!

P. O. Box 30025Honolulu, HI 96820

PRSRT STDU.S. Postage

PAIDHonolulu, HI

Permit No. 9235

Holiday ClosuresColumbus Day

Monday, October 8, 2018

Veterans DayMonday, November 12, 2018

Thanksgiving DayThursday, November 22, 2018

Christmas & New Year’s EveMon., Dec. 24 & Dec. 31, 2018

All Branches close at 12:00 p.m.

Christmas & New Year’s DayTues., Dec. 25, 2018 & Jan. 1, 2019

All Branches CLOSED

STANDARD LOAN RATES (Effective 4/1/14)

APR* Terms Monthly Payment ExampleAs low as Per $1,000 Borrowed

NEW AUTO** 1.74% 1-3 years 36 monthly payments of $28.532.24% 4 years 48 monthly payments of $21.802.74% 5 years 60 monthly payments of $17.86

(Over $15,000) 3.74% 6 years 72 monthly payments of $15.53(Over $20,000) 4.74% 7 years 84 monthly payments of $14.02

USED AUTO** 2.24% 1-3 years 36 monthly payments of $28.752.74% 4 years 48 monthly payments of $22.033.24% 5 years 60 monthly payments of $18.08

(Over $15,000) 4.24% 6 years 72 monthly payments of $15.76(Over $20,000) 4.74% 7 years 84 monthly payments of $14.02

PERSONAL** 5.75% 2 years 24 monthly payments of $44.216.25% 3 years 36 monthly payments of $30.546.75% 4 years 48 monthly payments of $23.847.25% 5 years 60 monthly payments of $19.93

*Annual Percentage Rate. Rates are subject to change without notice. All loans are subject to creditapproval.**Rate disclosed is the lowest rate available based on the establishment of automatic payment and forapplying online. For New Auto loans, rate disclosed includes an additional 0.25% discount with a downpayment of 20% or more. Maximum loan amounts are based on 120% MSRP for New Auto Loans and 100%Kelley Blue Book Retail Value for Used Auto Loans which both may include optional equipment, tax, license,GAP, extended warranty or other auto related add-ons. Higher rates may apply for New or Used Auto Loansand Personal Loans depending on loan term, collateral, member’s credit performance, and/or thecancellation of automatic payment. Terms indicated are for payment calculations only.

Auto LoansMotorcycle LoansPersonal LoansEducation Loans

Home Equity Lines of CreditCredit Cards

Low-Rate Loans to Make Your Holidays

Merry & Bright

For more information on our loan products and current specialsvisit www.hickamfcu.org, call Loans at 432-9888, or stop by any branch.

Federally insured by NCUA

HICKAM FEDERAL CREDIT UNIONwww.hickamfcu.org(808) 423-1391(Oahu only) Toll-free 800-432-4328

(Continental U.S & Neighbor Islands only)Call Center Hours (HST):

Mon.-Fri., 8am-6pm; Sat. 9am-3pmClosed on Sundays and Holidays

Audio Response(808) 218-6000 (Oahu)Toll-free: 866-903-4328

(Continental U.S & Neighbor Islands only)

Pearl City Branch/Headquarters1260 Kuala Street

Mon.-Thurs., 8:30am-5pmFri., 8:30am-6pm; Sat., 9am-2pm

Hickam BranchJoint Base Pearl Harbor-Hickam

Mon.-Thurs., 8am-4pm; Fri., 8am-5pmKahala Mall Kiosk Branch

Kahala MallMon.-Fri., 10am-6pm; Sat., 10am-3pm

Kapolei BranchThe Marketplace at Kapolei

Mon.-Fri., 10am-6pm; Sat., 9am-2pmMililani Branch

The Town Center of MililaniMon.-Fri., 10am-6pm; Sat., 9am-2pm

Pearlridge BranchPearlridge Mall Uptown 2nd Level

Mon.-Fri., 9am-6pm; Sat., 9am-3pm

Board of DirectorsCarol J. EbiaChairmanMichael MeaneyVice ChairmanAbigail K. NishidaChief Financial OfficerSharon K. MiyazawaSecretary

Supervisory CommitteeFrederick Mark ChairmanCurtis PopaSecretary

The Hickam Dif fer ence isa news let ter pub lished quarterly.

In for ma tion herein is deemedac cu rate at the time of print ing.

Larry DamewoodDirectorTina MendesDirectorRay RomeroDirectorCheryl SuzukiDirectorAdrian YunsonDirector

Robert DavisMember