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Hickam FCU
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the entire Ewa District
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Holiday Schedule

President's Day
Monday, Feb. 15, 2010

Memorial Day
Monday, May 31, 2010



National Credit Union Agency NCUA Disclosure    Equal Housing Lender Equal Housing Lender Disclosure



73rd Annual Membership Celebration

Rock n' Roll With
The Gregg Hammer Band!

Plus dancing with Nueva Vida.

Saturday, March 6, 2010 at the Sheraton Waikiki Hotel.

$30 per person or $270 for a table of ten!
(That's a savings of $30 per table!)

Includes a tasty Chinese Dinner, drawings for cash prizes,
and a Grand Prize travel voucher worth up to $1000!


Click here for Reservation Form.

Click here for Floor Plan and available seating.

View the exciting Gregg Hammer Band live in action!



Need Help With
Consolidating Your Bills?

Are you dreading the post-holiday bill payments? Then, consolidate
all your high-interest rate credit card and holiday bills into one, low
monthly payment. Or, if you're planning to shop those great after-holiday bargains, hurry and apply for a low-rate loan today.

Personal Loan Special
from as low as

5.75% APR*

For terms up to 24-Months.
For loan amounts $1,500 to $10,000**.
Offer good through February 28, 2010.

*Annual Percentage Rate (APR) is the lowest rate available and includes a 0.25% APR discount with automatic payment. Rate will be 6.00% APR without automatic payment. Higher rates may apply depending on loan term, collateral, credit performance and the cancellation of automatic payment. **Maximum loan amounts are based on credit score. The monthly payment for a loan amount of $1,500 at 5.75% APR for a 12-month term would be $128.93. All loans are subject to approval. Certain terms and conditions apply. Rates are subject to change.


This Great Rate Good Thru Feb. 28, 2011!

Home Equity Line of Credit
4.00% APR*

Plus, take advantage of these great features:

No- or low-closing costs.**
Up to 100% loan-to-value financing.

*Annual Percentage Rate (APR) applies to the owner-occupied HELOC. APR is the current standard variable indexed rate as of 3/1/09. The APR will revert to the current standard variable indexed rate on 3/1/2011 and may adjust annually, but will not exceed 18%. Minimum and maximum line amounts are $10,000 and $200,000, respectively. Property must be fee simple and be located in Hawaii. All loans subject to approval and qualifications. Certain restrictions may apply. Rates, terms and conditions are subject to change without notice. **Closing costs may range from $0-$1,300 depending upon credit limit and the amount of initial advance. Any closing cost paid by the credit union must be reimbursed should the account be closed within two years. Any amount owed can be added to the principal balance. Your most current real property tax assessment or current appraisal may be accepted. Appraisal costs, trust reviews and other third party fees may apply.


Need Help With Meeting Your Home
Ownership Or Refinancing Needs.


20-Year Fixed-Rate Mortgage
NO POINTS
4.70% Simple Interest
4.70% Annual Percentage Rate (APR)

Speed up home ownership and build equity faster. Or,
consider refinancing to ease your monthly payments.
15-Year Owner-occupied and 15-Year Investor Mortgages available. Inquire for more details.


Based on an owner-occupied, single family residential property located in the State of Hawaii, a 20-year fixed loan at 4.70% APR (4.70% simple interest with 0 points), you will have 240 monthly principal and interest payments of $643.66 per $100,000. Mortgage loan amount maximums are based on 100% of appraised value or 90% of current year State real property valuation. Rates, terms and conditions are subject to change without notice. Property insurance required. Flood insurance may be required. Certain terms, conditions, appraisal costs, trust reviews and other third party fees could apply and may affect actual APR.


Hickam FCU and CUDL Makes Your Auto Buying Experience Easy!

Hickam FCU and Credit Union Direct Lending (CUDL) have combined resources to make your auto buying experience quick, easy and convenient! Simply click on the AutoSMART link above and start auto shopping!


Hickam FCU and Credit Union Direct Lending (CUDL). It's like having a Hickam FCU loan officer right at the auto dealership ready to help you with your next car purchase.

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