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Hickam FCU
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Serving 
the entire Ewa District
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FCU
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Independence Day (observed)
Friday, July 3, 2009
On Saturday, July 4,
Pearlridge, Mililani, Kapolei
Branch will be open
normal business hours.

Labor Day
Monday, Sept. 7, 2009



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


CLICK HERE to read about latest auto buying tips.

3 Days Only! Fri., July 10 thru Sun., July 12, 2009.
Big Savings on Toyota, Chevy,
Suzuki and Pre-owned Vehicles!
At Servco Auto Leeward
"Hot Summer Sell-down" Sales Event

Visit a branch and get pre-approved for an auto loan to make
your Servco Auto Leeward buying experience quicker and easier.


Hickam FCU Special
AUTO FINANCING STIMULUS

For a limited time only, Hickam FCU is making buying a car
a little easier, especially during these tough economic times.


One Fixed Auto Loan Rate
5.00% APR*

For new or used vehicles.

For One Great Term
5-Year Term

60-month term only.


During One Great Time... to buy a new or used car or to refinance a car loan from another financial institution.

Visit a branch or call and ask for the "5 for 5" Auto Loan.

PROMOTION EXTENDED! Hurry! May end at any time.

*Annual Percentage Rate (APR) disclosed is a special rate for a 60 month term only for New and Used Auto Loans. Other rates available and may vary based on credit score, loan-to-value, and term selected. An additional 0.25% APR discount is available for automatic payment. The monthly payment amount per $1,000 on an auto loan at 5.00% APR financed for 60 months would be $18.88. Maximum loan amounts are based on 130% MSRP for New Auto Loans and 110% Kelley Blue Book Retail Value for Used Auto Loans which both may include tax, license, GAP, extended warranty or other auto related add-ons. All loans are subject to approval. Certain terms and conditions apply. Offer and rate subject to change without notice. Refinancing not available for existing Hickam Federal Credit Union loans.


Apply for Hickam FCU's Great

Home Equity Line of Credit
4.00% APR*

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

*Annual Percentage Rate (APR) applies to the owner-occupied HELOC. APR is the current standard variable indexed rate as of 3/1/09 and may vary 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
5.00% Simple Interest
5.33% Annual Percentage Rate (APR)

Speed up home ownership and build equity faster. Or,
consider refinancing to ease your monthly payments.
Owner-occupied 15-Year and 12-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 5.33% APR (5.00% simple interest with 2 points), you will have 240 monthly principal and interest payments of $660.16 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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