Credit Union Day

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M I L L I O N

C R E D I T

U N I O N

M E M B E R S

W O R L D W I D E

SOCIAL RESPONSIBILITY – OPEN & VOLUNTARY MEMBERSHIP – NON-DISCRIMINATION – COOPERATION AMONG COOPERATIVES – SERVICE TO MEMBERS – ON-GOING EDUCATION – DEMOCRATIC CONTROL – DISTRIBTION TO MEMBERS – BUILDING FINANCIAL STABILITY

Why 186 Million People Worldwide Choose Credit Unions

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On October 21, credit union members worldwide will join together to celebrate International Credit Union Day and this year’s theme: Local.

Trusted. Serving you. Do you remember why you chose your credit union as your financial services provider? It may be among many reasons shared by the 186 million people in 97 countries who have also chosen credit unions, but it most likely has something to do with the common philosophy of people helping people.

Unlike other financial institutions, credit unions are not-forprofit, democratically controlled, volunteer-run, memberowned cooperatives. Credit unions exist to serve their members, and that level of service

remains high even during even the toughest times. Instead of issuing stock or paying dividends to outside shareholders, credit unions provide value to their members by returning earnings in the form of lower loan rates, higher interest on deposits, and lower or even no transaction fees.

This year’s theme celebrates the advantages of credit union membership. Value, trust and service are just some of the many benefits of credit union membership. You are in charge of your money and your credit union.

Hawaii’s credit unions are proud of our heritage as cooperative financial service providers and our connection to the more than 54,000 credit unions world-

Value, trust and service are just some of the many benefits of credit union membership.

You are in charge of your money and your credit union. wide. On October 21, we’ll join credit unions and their members around the world to celebrate International Credit Union Day in recognition of the benefits those institutions bring to their members.

If you want to join a credit union – as thousands of Hawaii residents have – go to www.findacreditunion.com or call 1-8883331-JOIN (5646) today!

x ALOHA FCU Aloha FCU has been serving the needs of airline employees since 1952! Membership is available to the airline industry, including those in cargo & baggage, catering, and government airport employees like the FAA & TSA! With a branch on Paiea Street near HNL and another in Pearl City, plus shared branches & 500+ ATMs statewide, you gotta join! Visit www.AlohaFCU.com!

x ALOHA PACIFIC FCU For almost 75 years,Aloha Pacific Federal Credit Union has championed member value by keeping fees low, maintaining competitive rates and delivering outstanding service. In 2010, it became the first Hawaii-based credit union to expand to the mainland by opening a Las Vegas branch.

Altogether it has 11 branches, more than 35,500 members and more than $700 million in assets.

Visit us today at www.alohapacific.com.We look forward to building lasting relationships with you and your family.

Hotel & Travel Industry Federal Credit Union Serving and Protecting Your Financial Future

1537 Young Street, 3rd Floor Honolulu, HI 96826 Phone: (808) 973-4311 Fax: (808) 949-0556 www.hlefcu.com

YOUR 1ST CHOICE FOR ALL YOUR FINANCIAL NEEDS

Local.Trusted. Serving You. Please join us on October 21, 2010 for Free Refreshments.

Servicing the Communities from Ewa Beach To Makaha

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696-6117

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Proudly serving ALL HOTEL EMPLOYEES and their families in Hawaii

MAHALO to our loyal members!

Serving Hawaii ILWU Members, Employees of Kaiser Permanente, HTH Corporation, Office Max Hawaii & Consolidated Amusement, Hawaiian Civic Club Members & the Hawaiian Homestead Associations: Papakolea, Waimanalo & Princess Kahanu and their families.

740 Kohou St. Ste A, Honolulu, HI 96817 Tel: 808.946.1904 Email. mail@pkfcu.com PKFCU.COM

Help us celebrate - drop by October 21, 2010 at either location.

Serving Hawaii’s Health Care Industry

We have a sweet treat and a little “goodie” waiting just for you.

NOT a member? Join today and start enjoying the benefits of being part of The Queen’s Federal Credit Union!

Main Office 715 S. King St. Suite 110 Honolulu, Hawaii 96813

Harkness Branch Queen’s Medical Ctr. 1301 Punchbowl St. Rm. 139

For nearly 75 years, Hickam FCU has been serving to make a difference for YOU, our loyal members, and those of YOU who live, work, worship or attend school in the communities of West and Central Oahu, with many financial products and services including free checking and online banking as well as low rate auto, personal and real estate loans!

YOU can join!

Visit a branch or call 808.423.1391. www.hickamfcu.org Kapolei Branch The Marketplace at Kapolei Mililani Branch The Town Center of Mililani Pearlridge Branch Pearlridge Center Uptown Main Branch Hickam Air Force Base

Federally insured by the NCUA

We’re making a Difference in Our Members’ Lives

HTIFCU has been serving members since 1954.

Free life savings insurance up to $4,000 8.99% APR fixed rate credit card Enhanced free online services: • Electronic bill pay • E-statements • Check image viewing • Automatic transfers • Online loan applications Visit our website to see current share and loan rates!

www.htifcu.com 808-942-5115 Pan Am Bldg • 1600 Kapiolani Blvd, Ste. 110

B11 Special advertising section of the Honolulu Star-Advertiser | International Credit Union Day®

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x CU PACIFIC AUDIT SOLUTIONS, LLC CU Pacific Audit Solutions,LLC has provided quality audit, compliance and risk management services to Hawaii Credit Unions for more than 18 years.

Endorsed by the Hawaii Credit Union League for superior quality, value and commitment in strengthening and protecting credit unions. Find out how CU Pacific can partner with you in protectng your credit union and its members.

Call us at 808-942-7565.

Dollars

&nd Sense

redit union membership makes sense in a time when people are looking for the best value for their money. Members can save a substantial amount of money by using the products and services provided by their not-for-profit credit union.

The per-member and per-household benefits delivered by Hawaii credit unions are substantial.

These benefits are equivalent to $106 per member or $202 per member household.

Financing a $25,000 new automobile for 60 months at a not-for-profit Hawaii credit union will save an average $270 per year in interest expense compared to what you would pay at a for-profit institution in the state.

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x HAWAII FCU If you live, work or worship on the island of Oahu, you are invited to join Hawaii FCU "Where Members Come First." Earn more on savings. Save more on loans. Enjoy greater convenience and friendly, efficient service.

From checking and savings accounts to auto and personal loans, credit cards and online services, we're focused on serving each member's needs.

x HAWAII CENTRAL CREDIT UNION As part of Hawaii Central Credit Union’s goal to offer services that will benefit the membership and the community, CU Network Services was recently launched. CU Network Services is HCCU’s wholly-owned subsidiary. This mortgage lending division offers competitive rates on a wide variety of mortgage loan products and financing options. Visit them at 681 South King Street or at www.hccu.info today!

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benefits delivered by Hawaii credit unions are

substantial.

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*Source: CUNA’s Customized Analysis of Member Benefits for Hawaii December 2009

A credit union is a member-owned, not-for-profit, cooperative financial institution.

What is a

Credit Union

x HAWAII LAW ENFORCEMENT FCU The Hawaii Law Enforcement Federal Credit serves and protects employees and family members of the Honolulu Police Department, Kauai Police Department, Hawaii Police Department, and Maui Police Department. We stand committed to our Ohana.

CREDIT UNIONS: • Provide the same products and services— including surcharge-free ATMs, online financial services, and free savings and checking accounts—as other financial institutions • Return their profits to their credit union members by providing better services, better rates, lower fees, and special discounts • Operate under the philosophy of “people helping people,” allowing their members to pool their savings, lend to one another, and own the organization

• Follow conservative investment practices and lend responsibly Federal credit unions are chartered and supervised by the National Credit Union Administration (NCUA). Through this federal agency, savings in federal and most state-chartered credit unions are insured by the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the United States government.

Entire

HAWAII FIRST FCU full-time staff now

Need a new car?

Planning to travel?

Having an important celebration?

HiTel FCU can help you with all of this and MORE. We offer a wide range of financial products and services for all facets of your life—work, play, family and everything in between.

Checking, savings, loans, mortgages, credit cards, online banking and more.

It’s all here for you!

Our doors are open to everyone who lives or works on Oahu.

Let us take care of all your money needs. Learn more by visiting us on the web at www.hitelfcu.com.

CERTIFIED CREDIT UNION FINANCIAL COUNSELORS

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ll full-time employees of Hawaii First FCU are now Certified Credit Union Financial Counselors (CCUFC) through the Credit Union National Association Financial Counseling Certification Program.

“At Hawaii First FCU, we strongly believe in providing the best possible service to our members. Our CCUFC skills have already become a part of

our daily culture, where members receive quality financial counseling during every interaction,” says Hawa First FCU President/CEO Laura Aguirre, CCUFC. “Our employees hav worked very hard to obtain certification and we are so proud of our team We are very confident that this program has empowered our employees as well as our members.”

Get a Home Loan That Fits Your Needs!

Construction Vacant Land Home Equity Lines of Credit 1st and 2nd Mortgages For more information about our Home Loans, call Miles at 783-8333

Connect. Inform. Belong.

1138 North King • Honolulu • Hawaii • 96817 832-8700 • www.hitelfcu.com Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency

681 S. King Street • 536-3677 • www.hccu.info Home loans are provided through CU Network Services LLC, a wholly owned subsidiary of Hawaii Central Credit Union.

Federally Insured by NCUA

m “At Hawaii First FCU, we strongly believe in providing the best possible service to our members.

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Special advertising section of the Honolulu Star-Advertiser | International Credit Union Day®

Hawaii Community FCU wins Parent Friendly Business Award

x HAWAII SCHOOLS FCU Hawaii Schools FCU has been serving its members since 1936 and is open to all employees, retirees, current students of the public education (K-12) including family members,and volunteers. We offer savings, checking,Holiday Club accounts,mortgage,auto,and personal loans, FREE online banking, eStatement, great interest rates and more! Call 521-0302 to join,or visit www.KukuiLine.org for more information.

x HAWAII STATE FCU A Celebration of Credit Unions is really a celebration of our members. Established in 1936,Hawaii State Federal Credit Union has grown to become one of Hawaii’s largest credit unions. This is because we have never lost sight of our mission - which is to exclusively serve the financial needs of local government employees and their families. Over the years, Hawaii State FCU held firm to the value of giving back to our members through our $37 million in bonus dividends and interest rebates, $359,000 in college scholarships, $48,000 in grants for public school teachers, and $65,000 in loyalty member rewards. We thank our members for their continued loyalty and patronage.

(FRONT LEFT-RIGHT) Loretta "Deliana" Fuddy, Hawaii Children's Trust Fund; Sen, Suzanne Chun Oakland; Rep. Tom Brower; Stephanie Place, HCFCU; Governor Linda Lingle; Mike Dias, Hawaii State Commission on Fatherhood; Nellie Medeiros, HCFCU; Edwina Pauole, HCFCU; Former Rep. Dennis Arakaki; (BACK LEFT-RIGHT) Rep. John Mizuno; Victor Lim, McDonalds of Hawaii.

awaii Community Federal Credit Union was recognized by the State Commission on Fatherhood as Hawaii’s Outstanding Parent Friendly Business.

The award was established by the Legislature in 2003 to recognize businesses with family friendly policies. The credit union was nominated by an employee who praised the organization for its work place policies and benefits that support parents and families. According to the nomination, Hawaii Community FCU’s philosophy of “People Helping People” is the foundation for its dedication to supporting employees and their families.

Time off to attend school events, social events for fami-

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Hawaii Community FCU’s philosophy of “People Helping People” is the foundation for its dedication to supporting employees and their families.

lies, an employee assistance program, an education assistance program and generous health care and insurance assistance were among the practices outlined in the nomination. The nomination also made it clear that Hawaii Community FCU’s policies are flexible and tailored to assist employees through per-

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sonal crises.

The nomination pointed out that “during these challenging economic times Hawaii Community FCU took cost-cutting measures to maintain and sustain stability. However, the parent-friendly benefits for the employees were never reduced or discontinued.”

x HAWAIIAN TEL FCU Need a credit union? Choose us. Need a car loan? Choose us. Need a mortgage? Choose us.

Need a safe place for your assets? Choose us. Want to play Russian Roulette with your money? Choose the other guys. Want honest, professional banking?

Choose us, Hawaiian Tel Federal Credit Union, as your first choice for all your money needs. Our doors are open to everyone who lives or works on Oahu. So join the 50,000+ members who trust and rely on our commitment to your financial success.

x HAWAIIUSA FCU HawaiiUSA Federal Credit Union would like to thank our over 131,000 members for allowing us to be a part of your everyday lives. Whether it’s opening a checking account,preparing for your financial future, buying a car or your first home, we’re here for you every step of the way. Count on us to provide excellent service and great deposit and loans rates. If it matters to you,it matters to us. To become a member,visit any of our 11 convenient branch locations and see how we can help you reach your financial goals. For more information, visit www.hawaiiusafcu.com.

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x HICKAM FCU Hickam Federal Credit Union is a community credit union, offering a full-range of money-saving products and services to those who live,work,worship or attend school in the communities of West and Central Oahu. In addition to its 4 branches, members can access their accounts through online banking and a network of over 3,500 Shared Branch locations and over 25,000 ATMs nationwide and here in Hawaii.For more information, visit www.hickamfcu.org.

x HONOLULU FCU Whether you’re seeking to build credit, obtain financial security, or want to learn how to handle your money better, Honolulu FCU offers a fullrange of personal financial services to help you with that home, vehicle, credit card, and checking account for everyday living. In addition to better value and service, we provide convenience with nationwide shared branching and surcharge-free ATM networks. Call 203-5850 for information on becoming a valued member-owner.

Financial strength with a local touch.

STUDY:

Credit unions are

BIG ON TRUST

trust in a brand is more important than price

redit unions rank high on building rela-

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tionships, according to a recent Mintel Comperemedia report.

About 36 percent of big bank customers trust

their bank, compared to 57 percent of credit union members, the report said. Ten percent of participants in the survey also switched their primary

36% n of big bank customers trust their bank

accounts to credit unions from banks in the past

When you choose Farmers Insurance Hawaii for your auto insurance needs, you get fast, friendly local customer servicing backed by the nation’s third largest personal lines insurer.

year (Marketing Weekly News Sept. 11, 2010).

Roughly 60 percent of respondents said trust in a brand is more important than price. Consumers said trust in financial brands is similar to trust in

Oahu: 533-2444

|

Neighbor Islands: 1-877-533-2444 www.farmershawaii.com

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57% compared to

of credit union members

personal relationships, with "honesty" and "respect" at the top of their list of 12 attributes.

Since 1957 Kamehameha Federal Credit Union has been helping the employees and their families of Kamehameha Schools and Bishop Museum achieve their financial goals. We also serve the faculty, students, and alumni of Kamehameha Schools.

Kamehameha FCU offers a wide variety of financial products and services including online banking, auto and mortgage loans, and personal and home equity lines of credit.

Call us at 842-9660 to join today or visit us at kamehamehafcu.org.

E Kokua Pakahi Kakou “We Help Each Other.”

2200 Kamehameha Hwy., Suite #202 Phone: 808-842-9660 Fax: 808-842-6499

www.kamehamehafcu.org

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Special advertising section of the Honolulu Star-Advertiser | International Credit Union Day®

Credit unions perennial fund-raising champions for KAPIOLANI CHILDREN’S MIRACLE NETWORK

x HOTEL & TRAVEL INDUSTRY FCU Hotel and Travel Industry Federal Credit Union has been serving members since 1954. We proudly serve all hotel employees in Hawaii and their families, offering high dividends for savings and low rates on loans, free life savings insurance up to $4,000,and much more. Our enhanced online services allow members to do most banking at home.

Visit WWW.HTIFCU.COM or call 808-942-5115.

x KAMEHAMEHA FCU Since 1957 Kamehameha Federal Credit Union has been helping the employees and their families of Kamehameha Schools and Bishop Museum achieve their financial goals.We also serve the faculty, students, and alumni of Kamehameha Schools.

Kamehameha FCU offers a wide variety of financial products and services including online banking, auto and mortgage loans, personal and home equity lines of credit.

Call us at 842-9660 to join today or visit us at kamehamehafcu.org.

E Kokua Pakahi Kakou – “We Help Each Other”

x MEDIA HAWAII FCU

Staff from Aloha Pacific FCU, Hickam FCU, University of Hawaii FCU and the Hawaii Credit Union League answered dozens of calls and raised $3,225 during their two-hour shift at the KSSK – Kapiolani Children’s Miracle Network Radiothon in August.

Director of Philanthropy Jill Lowry receives the check for $2,500 from Garden Island FCU President Keith Uyeno.

redit unions exist for the benefit of its members.

Because of this strong association with members, credit unions also are closely and actively tied to their communities.

Since 1998, The Hawaii Credit Union League, the trade association representing Hawaii’s credit unions, has endorsed the Credit Unions for Kids program. Credit Unions for Kids is a nationwide collaboration of credit unions and related system organizations engaged in fund-raising activities to benefit 170 Children’s Miracle Network affiliated children’s hospitals serving 14 million kids.

In the past 12 years, Hawaii’s credit unions have raised over

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$400,000 for Kapiolani Medical Center for Women and Children through the Credit Unions for Kids/Children’s Miracle Network program. All of the money raised stays in Hawaii to benefit the programs and services of the Kapiolani Medical Center for Women and Children—which includes Wilcox Hospital on the island of Kauai and programs

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and services on Maui and the Big Island.

Through craft and bake sales, candy sales, “Miracle Balloon” sales, cookbooks, golf tournaments, and individual donations, credit unions have been perennial fund-raising champions for Kapiolani Children’s Miracle Network.

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Because of this strong association with members, credit unions also are closely and actively tied to their communities.

Today, Media Hawaii Federal Credit Union and 54,000 other credit unions celebrate International Credit Union Day. Over 186 million people throughout the world enjoy the credit union experience. Join a credit union and experience the difference!

Media Hawaii Federal Credit Union was originally chartered in 1937 and now serves select employer groups. Visit us at www.mediahawaiifcu.org for more information.

x OAHU ONE FCU If you live or work in Neighborhood Boards #1 thru #23, #34, and #35 you are now eligible to join Oahu One FCU. To our many members we say, "Thank You for your loyalty and patronage. Best wishes to you and your family on this day that we celebrate credit unionism."

x OTS EMPLOYEES FCU Organized to serve a specific group. OTS Employees Federal Credit union is able to gain a thorough understanding of our members needs.

This knowledge has allowed us to provide an unsurpassed level of service and dedication to The Bus & Handi-Van employees, and their familes since 1937. We’re proud to serve you!

Get Up to 3% Off Your Auto Loan Rate Take up to 3% off your qualifying auto or signature loan rate with “Spin & Win Saturday” at University of Hawai‘i Federal Credit Union.

Every UHFCU member who spins will receive a prize in addition to a loan rate reduction.

Formerly known as the HC&S FCU, the Valley Isle Community Federal Credit Union now serves anyone who lives or works on the island of Maui!

Come by or call us today for all your savings, checking, loan, and mortgage needs.

www.vicfcu.org 160 Pa’ahana Street, Kahului, Hawai’i 96732 Tel: 877-3232 • Fax: 871-5421 34 Kupuohi St. #102, Lahaina, Hawai’i 96761 • Tel: 667-2641

ONE DAY ONLY! 9 a.m. to 1 p.m., Saturday, Nov. 6 UH Federal Credit Union 2019 South King Street Not a member yet?

Go to UHFCU.com or call

ALOHA and MAHALO! Today we celebrate International Credit Union Day and would like to take this opportunity to thank our members for their support and patronage over the past 73 years. During this time, we have been providing financial services for families for generations.

“We’re here to help you believe, achieve and succeed, in your financial needs and goals.”

983-5500

681 S. King St., Ste. 106 Honolulu, HI 96813 Ph: 808-545-3281 Fax: 808-524-9393 www.mediahawaiifcu.org Find us on Facebook

Rate discount must be pulled during business hours at UHFCU on 11/6/10 and is good until 11/30/10. Offer may be used to refinance an existing Signature or Auto loan from another financial institution only. No other discounts apply. All loans subject to approval. Certain terms and conditions may apply.

Today. Tomorrow. Together.

Bring this ad to UHFCU on Nov. 6th to get a BONUS spin!

B15 Special advertising section of the Honolulu Star-Advertiser | International Credit Union Day®

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x PRINCE KUHIO FCU Prince Kuhio Federal Credit Union’s mission is to provide financial services that meet the needs of our members, assist those of low and moderate income, and promote community economic development.Visit us at www.princekuhiofcu.com

x SCHOFIELD FCU Schofield FCU is a financial cooperative with a philosophy of people helping people,and exists to provide services with the highest quality, efficiency and integrity for the benefit of its active and retired military and civilian workers.

Mahalo to our troops and Welcome Home!

x THE QUEEN’S FCU Serving Hawaii’s Healthcare Industry ATMs to serve you - statewide Shared Branching for easy, convenient banking.

Need A Loan For The Holidays?

Our 123 - 456 LOAN SPECIAL is just for you!

FREE Seminars to help you become a homeowner.

For complete details, CALL 547-4521 or go to: www.queensfcu.org

x UNIVERSITY OF HAWAII FCU Offering great rates, award-winning service and new extended hours, University of Hawai`i Federal Credit Union (UHFCU) is a full-service financial institution dedicated to the students,faculty, staff and UH Alumni Association members of the statewide UH system. Join the more than 24,000 UHFCU members who have discovered the difference.

For more information about joining UHFCU,call 983-5500, stop by the main branch (2019 South King Street) or go to UHFCU.com/join.

x VALLEY ISLE COMMUNITY FCU

CUs’ free tax assistance program positively impacts community he Free Tax Assistance Program at HACBED (Hawai`i Alliance for CommunityBased Economic Development) is the only statewide program that offers assistance to and coordinates the efforts of organizations who have made the commitment to provide free tax assistance services to low and moderate income taxpayers.

HACBED’s Program currently partners with four credit unions – Kekaha FCU, Valley Isle Community FCU, Hickam FCU, and Waialua FCU. Over the last four tax seasons, these credit unions have helped taxpayers claim $898,958 in refunds.

Offering a Volunteer Income Tax Assistance (VITA) requires a high level of commitment from credit union staff, who must undergo training and give up their weekends for tax preparation services. These credit unions see the value in helping,

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Valley Isle Community FCU’s Karen Tomasu helps a member with his tax forms.

not only their members, but the community as a whole. Through these VITA sites, many in the community have been able to claim Earned Income Tax Credits and Child Tax Credits, something these individuals either never knew about or did not know how to claim.

“VITA seemed like a natural fit for our organization”, says Kekaha FCU Manager Scot

Tsuchiyama, whose VITA program was honored with a national first-place award in the Credit Union National Association’s Dora Maxwell Award for Social Responsibility in 2008. “In the three tax seasons that we’ve participated, we’ve brought over $413,000 in refund money back to the economy of the Westside of Kauai. This is grass roots economic stimulus that helps both merchants and residents of Kauai.”

Valley Isle Community FCU Executive Vice President Trevor Tokishi explains, “Through the VITA program we are able to provide help to those in the community who need it the most. And we wouldn’t be able to do that without the help and support that we get through our partnership with the Family and Individual Self-Sufficiency Program at HACBED.”

Valley Isle Chapter hosts free child ID event

Established in 1940, the Valley Isle Community FCU is committed to improving the financial situation of our members and ultimately their quality of life. We are a full service financial institution with two branches to serve you. Anyone who lives or works on Maui is eligible to become a member.

x WEST OAHU FCU Your 1st choice for all your financial needs.

Local. Trusted. Serving You. Experience the Credit Union Difference Please join us on October 21, 2010 for Free Refreshments as a Thank you for your continued membership. Servicing the Communities from Ewa Beach to Makaha.

Ewa

696-6117

Waianae

Valley Isle Community FCU staff stand ready to distribute keiki IDs. (Left-Right) Greg Pick, Lisa Hess, Lynn Nakamura, Lauren Ayala, Fire Safety Officer Kapono, and Trevor Tokishi.

AWAII SCHOOLS H FEDER AL CREDIT UNION

MAHALO to our loyal and supportive members for 74 years of service from your Board of Directors!

CU Pacific Audit Solutions, LLC - Formerly FSG Pacific, LLC Committed to strengthening and protecting credit unions for over 18 years

Audit • Compliance • Risk Management • Information Security (808) 942-7565 Office • (888) 432-8772 Toll Free www.cupacific.com • info@cupacific.com

CU PACIFIC Audit Solutions, LLC

Pictured clockwise from top left: Harry Chang (Director); Rhoda Hirokawa (Secretary); Glenn Hirata (Chairman), Vernon Hee (Director), Larry Chun (Treasurer), Emiko Sugino (Director), Mildred Higashi (Supervisory Committee Chair), and Jane Festerling (Director).

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he Hawaii Credit Union League’s Valley Isle Chapter, in conjunction with the County of Maui Fire Prevention Bureau, hosted a Keiki Photo ID Day at Maui PlayCare located in the Queen Kaahumanu Center on Saturday, July 31, 2010. The 10 credit unions on Maui offered the free service to parents or guardians, who were provided a credit card sized identification record that included the child’s photo and vital statistics.

160 Pa’ahana Street, Kahului, HI 96732 Tel: 877-3232 • Fax: 871-5421 34 Kupuohi St. #102, Lahaina, HI 96761 Tel: 667-2641

“People helping people” is the founding philosophy of credit unions, and it remains our guide today. To all our members who have joined us in this mission over the years, mahalo for your loyal support and for allowing us to help you reach your financial goals!

1244 Kaumualii STreet Honolulu, Hawaii 96817 Phone: 847-1371 www.hawaiifcu.org

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M I L L I O N

C R E D I T

U N I O N

M E M B E R S

W O R L D W I D E

SOCIAL RESPONSIBILITY – OPEN & VOLUNTARY MEMBERSHIP – NON-DISCRIMINATION – COOPERATION AMONG COOPERATIVES – SERVICE TO MEMBERS – ON-GOING EDUCATION – DEMOCRATIC CONTROL – DISTRIBTION TO MEMBERS – BUILDING FINANCIAL STABILITY

Proudly Serving Oahu Transit Service Employees Since 1937

If you live or work in Neighborhood Boards #1 thru #23, #34, and #35 you are now eligible to join Oahu FCU. To our many members we say, “Thank you for your loyalty and patronage. Best wishes to you and your family on this day that we celebrate credit unionism.”

521-6727

Join OTS Employees FCU Today!

Sound Money Management & Full Range of Services for Our Members.

848-4408

Alzheimer’s Association of Hawaii — Hawaii State FCU is on the move to help end Alzheimer’s.

Celebrating 59 Years Main Office, Schofield Barracks, HI Ph: (808) 624-9884

811 Middle St.• Mon-Fri 8-4

www.oahufcu.org

Established 1951

Kapalama Office, Honolulu, HI Ph: (808) 845-9070

Serving all military personnel, active and retirees, federal government employees, private contractors, their families and dependents working or using services at Schofield Barracks or at any military installation in Hawaii.

Helping Hands Grant Program — supports our Hawaii public school teachers across the state.

Hawaii 3R‘s Repair Remodel Restore Our Schools — over 50 employees donated “sweat equity” toward a public school facility that needed repair and restoration.

Cheer on Wheels — delivers over 2,000 pounds of food to Hawaii’s senior citizens.

What began on a small scale, with a handful of members and a oneroom office some 74 years ago, has grown to become one of Hawaii’s largest credit unions with more than 75,000 members and $1.1 billion in assets.

Over the years, Hawaii State FCU held firm to the value of giving back to our members through $37 million in bonus dividends and interest rebates, $359,000 in college scholarships, $48,000 in grants for public school teachers, and $65,000 in loyalty member rewards. We thank our members for their continued loyalty and participation.

Scholarship Program — helping members improve their lives through the pursuit of a higher education.

Federally insured by NCUA

Member Call Center: 587-2700 (Oahu) • 1-888-586-1056 (Toll-free Neighbor Islands, Mainland) • www.HawaiiStateFCU.com