bits id OCTOBER 2017 T Credit Unions of Maui Charity Golf Tournament Current Cell Phone and Email Address Providing us with your current cell phone and email ad- dress will enable us to conveniently and quickly contact you on important matters relating to your account. When providing this information you must do it by coming in to the branch, sending a secure message via our home bank- ing product, E-Link or providing us with a notarized request Pictured above are committee members from the tournament which included representatives from Maui FCU, Valley Isle Community FCU, Maui County FCU, West if sending it in by mail. Maui Community FCU, Kahului FCU, Maui Teachers FCU and Wailuku FCU) On Saturday, August 12, 2017 the Credit Unions of Maui held Special Limited Offer Share Certificates its 4th annual charity golf tournament to benefit Maui Memorial Reminder for members who opened an 18-month Medical Center Foundation. The tournament was a huge success or a 24-month term share certificate and helped raise $28,000 for the Foundation. Funds from this 18-month term special – at maturity, the proceeds from tournament will be used to purchase an ERCP Scope for the your share certificate will be deposited in to your share Endoscopy Department. A big MAHALO to all Maui FCU account. No automatic renewal provision is available. members who sponsored, donated or participated in this event. 24-month term special – at maturity, your share certificate will automatically renew for the same term at the Dividend INTERNATIONAL CREDIT UNION DAY Rate and APY in effect at maturity, unless we are notified THURSDAY otherwise by the end of or within the grace period. October 19, 2017 This year’s International Credit Union Christmas Club accounts Day theme, “Dreams Thrive Here,” Congratulations on saving throughout 2017 for the holiday perfectly illustrates the spirit of the global season! Your accumulated savings and dividends from your credit union movement. Like other credit unions all around Christmas Club Account will be automatically transferred the world, Maui Federal Credit Union is excited to take this to your share account on or around October 1st. We wish opportunity to reflect upon the credit union movement’s his- you happy holiday shopping! The Christmas account auto- tory, recognize the hard work of those within the industry, and matically renews for existing members. If you forgot to show members our appreciation. Please join us Thursday, to save with a Christmas Club Account this year, October 19 as we celebrate International Credit Union Day. why not stop by the Credit Union to open one for We look forward to celebrating with you! the next holiday season? Opening an account is easy THE CREDIT UNION WILL CLOSE AT 4:30 P.M. ON FRIDAY, and saving is simple with automatic transfers. Stop OCTOBER 20, 2017 TO ALLOW THE VOLUNTEERS, MANAGEMENT by for details today. AND STAFF TO ATTEND A VALLEY ISLE CHAPTER CELEBRATION. 8 Tips for Smart (and Safe) Add Some VROOM Credit Card or Debit Card Use to Your Budget From Thanksgiving feasts to Black Friday sales, the holiday season and holiday shopping are well under- Put your budget in the fast lane with an auto loan from your way. And if you’re like many holiday shoppers, you credit union! Our low rates and convenient terms make it easy head to the store (or online!) with your credit card or to zoom your way to savings. debit card in hand. While plastic cards offer an easy Rates as low as way to pay for what you want, whenever you want it, consider these simple plastic card safety tips to 2.50% APR* protect yourself and your money: Stop by the Credit Union or visit 1. Collect your receipts. Compare the charges on www.mauifcu.com to apply today. your statement to the charges on your receipts to ensure you were not over or double charged. *APR = Annual Percentage Rate. Quoted rate is the lowest available rate with payroll deduction for a 60 month term. Higher rates may apply depending on term, collateral 2. Double check your statements. Keep an eye out and credit performance. The monthly principal and interest payment for a $10,000 auto for multiple, incorrect or fraudulent charges. If you loan at 2.50% APR is approximately $177.49. All loans are subject to approval. Certain terms and conditions may apply. Rates and terms are subject to change without notice. suspect suspicious activity, contact your plastic card company immediately. 3. Sign your card. This will help protect you from 401k Direct Transfer or Rollover fraudulent in-store charges should your card be- come lost or stolen. Members who are looking for options to reinvest their 4. Get up to date. Before shopping online, make sure employer based 401k plan should consider our IRA accounts. your antivirus and security software are updated Benefits include but are not limited to: on your computer and/or mobile device. 5. Choose one card for all online purchases. If your Maintains the tax-advantaged status of your investments. credit card number should fall into the wrong Enables consolidation of retirement plan assets. hands, you can limit the damage and recovery Gives the option of taking penalty-free withdrawals after age 59½. process by using only one credit card for all online purchases. Provides the security of having your deposit in a federally 6. Stay secure. Ensure the website where you’re mak- insured account up to $250,000. ing a purchase begins with “https” or displays a sign that signals a high level of security, such as a We offer both Traditional and Roth IRA’s. Consult your tax padlock or the VeriSign insignia. advisor for any specific tax related questions on this subject. 7. Avoid online purchases via WiFi. Connecting wirelessly exposes you to extra vulnerabilities, and public hotspots are twice as bad. If you must connect wirelessly, only do so on a network that Nomination for Board of Directors requires a specific network security key. Nominating Committee Chairperson, Beverly Kurokawa has announced the 8. Don’t store card information on websites. It following individuals as their nominee for the two vacancies on the volun- may be quick and convenient to have your card teer Board of Directors for 2018. information stored for future purchases, but it also makes you vulnerable in the event of a website Jodi Arisumi - director hacking. Jodi Arisumi has been a member of the Board since April 2015. She has a Masters in Human Resources Management, B.B.A. in Human Resources and Finance. She is currently employed as a HR & Payroll Manager at Maui Oil Company. TRANSACTION LIMIT Doug Schenk - director Why am I only permitted 6 transfers a month Doug is a graduate of the University of Hawaii at Manoa in Agricul- ture. He is currently the Chairman of the Board of Maui Gold Pineapple between my savings and checking account if Company and was the former President of Maui Pineapple Company, Ltd. I don’t come in person to perform the transfer? Doug has served on the Board since 1990. The reason is “Regulation D” of the Federal Reserve Additional nominations may be made by petition for this volunteer position. A places a limit of six withdrawals or outgoing transfers minimum of 70 signatures from primary members must be submitted. Please contact the credit union for further guidelines and minimum requirements. All per month from savings via certain transaction meth- nominees must agree to an investigative background check which includes ods. Transactions counted against the limit include criminal, civil and credit checks. All nominations with the minimum petition preauthorized or automatic transfers, telephonic (in- signatures must be received by Friday, November 10, 2017 at the credit union office at 107 E. Wakea Avenue, Kahului, HI 96732. Contact the credit union for cluding data transmission), on-line and transactions a copy of the requirements. All voting will be conducted at the annual meeting. using remote access devices. Congratulations Welcome Back Tasha! to Our Graduate! After nearly an 8 year hiatus, Tasha Mahelona has returned to fill our Operations Supervisor We are proud to announce that vacancy. She will report directly to Senior MSR, Anie Suehisa has Operations Manager, Pauline Tiu. graduated from the Western CUNA During her absence from the credit Management School (WCMS). WCMS union movement, she developed is dedicated to helping credit union her supervisory skills as both a professionals keep pace with the rapidly changing business counselor and team leadership environment. The curriculum at WCMS includes classes on position at a national non-profit management, economics, legal and ethical standards, here on Maui. Please join us in communications, leadership, and much more. Congratulations welcoming back Tasha. Anie on your commitment and incredible achievement. We’ve Got a Small Loan for the BIG T OYS If you find “Santa” needing a little financial help this holiday season, our Holiday Loan may be the perfect solution. Apply today and get all the cash you need for toys from big to small. Holiday Loan 2.99% APR* 12-MONTH TERM | UP TO $2,000 *APR = Annual Percentage Rate. Quoted rate is the lowest available rate with payroll deduction for a 12 month term. Higher rates may apply depending on credit performance. The monthly principal and interest payment for a $2,000 Holiday loan at 2.99% APR is approximately $169.38. All loans are subject to approval. Certain terms and conditions may apply. Rates and terms are subject to change without notice. Traveling Out Dreams Big or Small, of the Country? In an effort to protect your account from fraudulent We’ve Got Loans for Them All! transactions, Maui Federal Credit Union has blocked With low-rate loans for cars, vacations, homes, and more, all debit card transactions that originate or occur in Maui Federal Credit Union is here to help you fulfill your countries other than the United States.