FEDERAL CREDIT UNION

INTEREST RATES ON LOANS

Effective March 1, 2009 - June 30, 2010

Signature Loan (Maximum $15,000.00)
5 years 7.80% APR
4 years 7.30% APR
3 years 6.40% APR
2 years 5.70% APR
1 year 4.10% APR

Share Secured Loan (90% of Share Balance) — 3.00% APR

New Auto Loan
7 years 5.00% APR
6 years 4.80% APR
5 years 4.30% APR
4 years 4.00% APR
3 year 3.60% APR

Used Auto Loan
5 years 4.30% APR
4 years 4.00% APR
3 years 3.60% APR

Apprentice Book Loan
6 months 3.70% APR
12 months 3.70% APR

All loan applications are subject to approval by the Local Union 1186 IBEW FCU Credit Committee.

Rates and terms are subject to change.

For more details, inquire at 1935 Hau Street, Room 300 or call the credit union office at 848-1599 and for neighbor island, toll free 1-800-622-3830.


SHARE SAVINGS AND LOANS

SHARE SAVINGS

Dividend Rate
0 - $5,000 0.25%
$5,001 - $20,000 0.75%
$20,001 - $50,000 1.00%
$50,001 & over 1.25%

Membership Fee
(Per member one time fee) .25

Initial Deposit to Open Account $100.00

LOC - OVERDRAFT PROTECTION
12% APR

Share Certificates (As of March 1, 2009) Annual Percentage Yield (APY) Minimum Opening Deposit
6-Month Account 0.75% $1,000.00
12-Month Account 1.00% $1,000.00
2-Year Account 1.50% $1,000.00

The APY are effective as of the date listed, and are subject to change without notice as determined by the credit union’s Board of Directors. An early withdrawal penalty may be imposed if withdrawal occurs before maturity.

SHARE ACCOUNT

Share Account Minimum Balance $100.00
Early Closure Fee
(Within 90 Days of opening)
15.00
Dormant Account Fee
(3 years of no activity)
5.00
per quarter
Service Fee
(Balance under $100.00)
5.00
per month
Stop Payment
(Credit Union Check)
15.00
per check
Deposited Item Return Fee 10.00
per item
Copy of Statement 1.00
per page

SHARE DRAFT ACCOUNT (CHECKING)

Share Draft Account Minimum Balance None
Minimum Deposit to Open $20.00
Early Closure Fee
(Within 90 days of opening)
15.00
Dormant Account Fee
(No activity for 6 months)
5.00
per quarter
Non-sufficient Funds 15.00
per draft
Stop Payment - Draft 15.00
per draft
Copy of Paid Draft 1.00
per page

Overdraft Funds Transfer - per month
1-3 funds transfer No Charge
4 & over 5.00
per transfer

ATM CARD (Star System)

Transcation Fee
First Hawaiian Bank, Kalabash, and Co-Op Network ATM’s No Fee
Other ATM’s $1.50 - $2.00 Per Transaction
Lost Cards $15.00

YOUR FEDERAL CREDIT UNION OFFICIALS FOR YEAR 2010

Board Members:
Chairperson Dennis Kaloi
Vice-Chairperson William Chang
Secretary Jayne Tom
Treasurer Michael Tanaka
 
Member Tracy Hayashi
Member Damien Kim
Member Robert Katsura

Credit Committee Members
Chairperson Luana Wakabayashi
Secretary Melanie Correa
Member Pauline Nakata

Supervisory Committee Members
Chairperson Peter Akamu
Member Terry Uyehara
Member Richard Galino


Local Union 1186 IBEW
Administrative Office
Federal Credit Union
Signatory Contractors
Retiree Association
Forms
Members Area
Contact Us


CONTACT FEDERAL CREDIT UNION OFFICE

Office Manager
Gwen Fukuhara

Office Phone Number
(808) 848-1599

Address
1935 Hau Street, Room 300
Honolulu, HI 96819