Summer is almost here, and we’re sure there are lots of ways you could use some extra cash: summer school tuition or studying abroad, taking a family vacation, swimming lessons for the kids, a new air conditioning unit, or even paying off high-rate credit cards. For a limited time only, you can apply for our Summer Loan, with interest rates from 5.75% - 14.75% A.P.R.* (for one-year term).
Hurry, because this offer is only good from July 1, 2010 to August 31, 2010. To apply, visit any Hawaii State FCU branch, or call 587-2700 (Oahu), or toll-free 1-888-586-1056 (Mainland or Neighbor Islands).
*Annual Percentage Rate is accurate as of 7/1/10 and includes 0.25% discount for automatic payment. Without automatic payment, rate will be 0.25% higher. Rate based on your creditworthiness. You will be assigned an APR that will be within the specified range.
Special HELOC 6-Month Intro Rate of 0.99% APR* (3.75% APR** Current Monthly Variable Rate)
As a member of Hawaii State FCU, let us help you take care of all the things you want and need with this great limited-time offer. By taking advantage of your home's equity, think of all the things you can do with a low-rate Home Equity Line of Credit (HELOC): • Pay for tuition • Consolidate higher rate credit cards or loans • Take a dream summer vacation to a foreign country • Upgrade your home entertainment system
The advantage of having a HELOC is that you only use what you need, when you need it, and the interest you pay may be tax deductible. Consult with a tax advisor on deductibility. Plus, with this low six-month introductory rate of 0.99% APR, the monthly payments will not break your budget!
Hurry and apply because this 6-month intro rate offer is only available through July 31, 2010!
If you have any questions, or would like more information, visit any Hawaii State FCU branch, contact our Member Services Call Center at 587-2700 (Oahu), or toll-free 1-888-586-1056, or send an e-mail to
This e-mail address is being protected from spambots. You need JavaScript enabled to view it
.
*The 6-month introductory fixed rate is valid for applications received 5/1/2010 to 7/31/2010. Initial draw of at least $10,000 and automatic payments from a HSFCU share account are required. Otherwise the current Monthly Variable Index Rate will apply. After the fixed rate period expires, the current Monthly Variable Indexed Rate will apply. This offer applies to new home equity lines of credit. Refinancing of existing HSFCU loans not allowed. If you elect the 6-month introductory fixed rate, it will remain in effect for all draws until expiration of the fixed rate period. **The currently Monthly Variable Indexed Rate is based on the Prime Rate plus a margin. Your margin will depend on creditworthiness. The currently Monthly Variable Indexed Rate shown is current as of 5/1/2010 and will not exceed 18% APR. The current Monthly Variable Indexed Rate has a minimum APR of 3.75% for 80% LTV properties that are owner occupied. Your most current real property tax assessment may be accepted in lieu of an appraisal, depending on the size of your line of credit. If an appraisal or trust review is required, you will be required to pay those costs at closing, estimated at $650 to $1950. Other closing costs for third party fees, estimated at $650 to $1950, will be waived unless the line is terminated within three years. Only improved residential property in Hawaii is accepted as collateral. Property insurance is required. There is no transaction or other activity charges. Membership in the credit union is required. Rates, terms and conditions are subject to change without notice. Other terms and conditions apply. Speak to a credit union representative for more information.
With so many financial obligations, money management can feel overwhelming. That's why Hawaii State FCU has partnered with BALANCE to offer a FREE financial fitness program that makes it easy for you to get on top of your situation. Whether you're saving for your child's education, or trying to get out of debt, BALANCE's trainted counselors are here for you.
As a benefit of your credit union membership, you now have free access to the following confidential services:
InfoLine
Financial information is available:
Monday - Thursday: 5 a.m. to 8 a.m.
Friday: 5 a.m. to 5 p.m.
Saturday: 8 a.m. to 5 p.m.
Money Management Counseling
Certified financial counselors help you develop both short term and long term financial strategies.
Debt Management Plan
Consolidate your credit card payments, lower payment amounts, and even reduce or eliminate interest fees to get out of debt.
Credit Report Review
A counselor will review your credit report with you, making sure you know your rights. BALANCE can even provide a low-cost credit report.
For more information, call BALANCE toll-free at: 1-888-456-2227, orclick here to view BALANCE's free resources for HSFCU members!
Why pay a fee at your local grocery store to count and change your coins into dollars? At Hawaii State FCU, members can use our CoinStar coin counting machines for FREE! After you count and change your coins, you can choose to deposit the money into your account to earn dividends, cash the voucher, purchase giftcards, or make a donation to your favorite charity.
CoinStar machines can be found at the following branches: Kaimuki branch, Main branch, Mililani Mauka branch and Pearlridge branch.
To show our appreciation, any time you refer a friend or family member to Hawaii State Federal Credit Union and they open a new account, you will receive $25! There is no limit to the number of people you may refer.
To share the gift of membership with your friends and family, click here for a referral card, or pick them up from any of our 8 conveninently located branches.
For additional details, please call the Member Services Call Center: 587-2700 (Oahu), or 1-888-586-1056 (Toll-Free).
Through our association with The Hartford Financial Services Group, Inc., we are able to offer members up to $2,000 in accidental death and dismemberment coverage at no cost. And, if you are like other members, you won't want to stop at the $2,000 complimentary coverage--you'll want to help provide even more security for yourself and your family by enrolling in additional AD&D coverage.
Aloha Petroleum Double Discount - July 1 - August 15, 2010!
Hawaii State FCU has partnered with Aloha Petroleum to provide members with the Save-A-Buck Club Card, with which you can use to purchase Aloha Petroleum's top quality gasoline or PowerKing diesel fuel and receive a discount of 5 cents per gallon off the regular pump price any time.
SPECIAL: From July 1st through August 15th, all members who use their HSFCU/Aloha Petroleum Save-A-Buck Club Card at the pump will receive a Double Discount of 10 cents off every gallon of gas!
But wait, it gets better! All members who apply and get approved for a new HSFCU/Aloha Petroleum Save-A-Buck Club Card will receive a $20 credit that will appear on their first statement.
In additional to fuel purchases, the card may be used for convenience purchases made at all Island Mini-Mart locations.
To apply for your own HSFCU/Aloha Petroluem Save-A-Buck Club Card, click here, or pick up a paper application at any of our branches!
For questions or concerns on how the special works or your existing card, call Aloha Petroleum at: 522-9222 (Oahu) or 1-800-621-4654 (Neighbor Islands)
Financial Assistance Program -- Helping our members, when it counts
Part of the credit union's responsibility to members is making sure they get the help they need to make it through tough times. If you are having trouble keeping up with your monthly payments or if you would like some help with any type of financial decisions, please don't hesitate to call or stop by a branch. While today's economy is challenging, the current conditions also allow us to offer some unique opportunities for members.
1% APR DISCOUNT ON A LINE OF CREDIT*
Under certain circumstances, such as a temporary reduction in income due to reduced work hours, we may be able to offer you up to a $5,000 line of credit with discounted rate.* You may use this low-rate line of credit to:
Consolidate or pay off higher-rate debt
Take care of upcoming tuition or school expenses, or
For everyday purchases until your income situation improves.
If you already have a line of credit with us, we may be able to increase that line by $5,000 to provide you the extra buffer you need.
LOAN PAYMENT DEFERRAL OR MODIFICATION**
For members with an existing loan, you may submit a request for a payment deferral and/or loan modification to help ease the stress of monthly payments.
EARLY WITHDRAWAL FROM TERM SHARE CERTIFICATES***
If you have a term share certificate with us, we may be able to waive the early withdrawal penalty so that you can use the cash for more pressing or immediate needs.
Of course, these special assistance programs are subject to approval and come with certain conditions. Plus, you may need to provide additional documentation such as pay stubs or a letter from your employer detailing the change in your income.
We are always available to work with you on a one-on-one basis. Call a member services representative at 587-2700 (Oahu), or toll-free 1-888-586-1056, or stop by any Hawaii State Federal Credit Union branch.
*Subject to loan approval. 1% APR discount includes your 0.25% APR discount for automatic payment from an HSFCU account. Otherwise, discount is 0.75%. Discount applies to your standard APR. Discount is for maximum of 24 months or the end of the payroll reduction period, whichever comes first. After this period, the APR will return to your standard APR. Additional terms and conditions apply. **Subject to approval. ***Early withdrawals on existing term share accounts may be permitted without penalty upon approval. Minimum withdrawal $500. Certain restrictions apply. Not applicable to IRA term shares. This program is subject to change at any time and may be terminated without notice.
