FEDERAL CREDIT UNION

INTEREST RATES ON LOANS

Effective April 1, 2012

Signature Loan (Maximum $25,000.00)
5 years 5.90% APR
4 years 5.30% APR
3 years 4.70% APR
2 years 4.20% APR
1 year 3.70% APR

Share Secured Loan (90% of Share Balance) — 2.00% APR

New Auto Loan
7 years 4.20% APR
6 years 3.90% APR
5 years 3.60% APR
4 years 3.30% APR
3 year 2.99% APR

Used Auto Loan
5 years 3.60% APR
4 years 3.30% APR
3 years 2.99% APR

Apprentice Book Loan
1.99% APR
0.99% APR (with payroll deduction)

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 0.15%
$5,001 - $20,000 0.25%
$20,001 - $50,000 0.40%
$50,001 & over 0.65%

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 2017

Board Members:
President Dennis Kaloi
Vice-President  Michael Tanaka
Secretary Jayne Tom
Treasurer Tracy Hayashi
 
Director Ryan Takahashi
Director Travis Yara

Credit Committee Members
Chairperson Luana Wakabayashi
Secretary Pauline Nakata
Member Erica Miyashiro

Supervisory Committee Members
Chairperson Terry Uyehara
Member Travis Umemoto
Member Lori Zakahi

Office Staff
Manager Gwen Fukuhara
Clerk Ronald Mendiola
Clerk Erica Miyashiro


Local Union 1186 IBEW
Administrative Office
Federal Credit Union
Signatory Contractors
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