Car Sale - MAUI COUNTY FCU

REFER A MEMBER AND EVERYONE WINS!
Bring in a new member to open a regular share (savings) account and both
names (new member and existing member) will be entered into a weekly drawing
for a Credit Union gift package. All entrees will then be eligible for the grand prize
drawing of $700 cash. New member must deposit a minimum of $100 and pay the
$1 membership fee. This promotion runs from April 15, 2007 to June 8, 2007.
HOLIDAY CLOSINGS
REMEMBER,
MEMORIAL DAY
Monday, May 28, 2007
KING KAMEHAMEHA
DAY
Monday, June 11, 2007
YOU HAVE UNTIL
APRIL 17 TO MAKE
INDEPENDENCE DAY
Wednesday, July 4, 2007
CONTRIBUTIONS TO
YOUR
IRAS
LOAN RATES
DIVIDEND YIELDS
(Effective March 1, 2007)
APY = Annual Percentage Yield.
Regular Share
Account ..............................1.77% APY
Christmas Club
Account* ............................1.77% APY
IRA Share Account
*APR = Annual Percentage Rate.
AUTO LOANS
n New Autos as low as 4.50% APR*
n Used Autos as low as 5.00% APR*
* The rate stated is based on an evaluation of
applicant credit, auto payment and loan &
collateral protection.
Traditional, ROTH, & Coverdell ESA
Call for current rates
PERSONAL LOANS
Share Draft Account ........0.50% APY
Share Certificates
6-, 12-, 24- and 36-Month terms
Call for current rates
All yields are as of 3/1/07, are expressed
as Annual Percentage Yields (APY) and are
subject to change without notice. The APY is
calculated based on a $2,500 balance. Dividends are accrued monthly and credited to
your account on the last day of each month.
As low as 7.50% APR*
* The rate stated is based on an evaluation of
applicant credit and auto payment.
REAL ESTATE LOANS
n Home Equity Line-of-Credit
n Land Loans
n A wide variety of 1st & 2nd Mortgages
Call for current rates.
SHARE SECURED LOANS
* Dividends for Christmas Club Accounts are
credited to your account annually on 10/31.
As low as 2.50% APR
CONSOLIDATION LOANS
PLEASE CALL THE CREDIT UNION AT
244-7968 OR (800) 783-6597
FOR CURRENT RATE INFORMATION
OR IF YOU HAVE QUESTIONS.
Members
Total Shares
Total Loans
Total Assets
As low as 11.50% APRo
o
The rate stated is based on evaluation of applicant credit
and auto payment.
All rates are as of 12/1/06, are expressed as Annual Percentage
Rates (APR) and are subject to change without notice.
February ’07
February ’06
11,601
$134,191,968
$111,401,029
$156,752,839
11,245
$125,980,068
$89,791,290
$149,178,896
MAUI COUNTY EMPLOYEES
FEDERAL CREDIT UNION
1888 Wili Pa Loop
Wailuku, HI 96793-1272
(808) 244-7968 • Fax (808) 242-1690
(800) 783-6597 (Neighbor islands)
Teller Tone Service (800) 285-2932
www.mauiefcu.org
BOARD OF DIRECTORS
Tom Hiranaga, Chairman
Edwin Okubo, Vice Chairman
Donald Terada, Secretary/Treasurer
Frederico Asuncion, Director
Karen T. Oura, Director
Wesley Wong Jr., Director
Clifford Zane, Director
n Designated pricing – no negotiations necessary
n Simple, on-the-spot financing
n Trade-ins welcome
n Includes all new and used vehicles in stock
(some models may not be available due to limited allocation)
STAFF
Gary Fukuroku, Manager/CEO
Layne Oishi, Loan Manager
Myron Sakamoto, Operations Manager
Cathy Nakamura, Accounting Supervisor
Ray Pascua, Assistant Loan Manager
Barbara Pagay, Marketing Specialist
Lois Akiona, Loan Officer II
Frances Nelson, Loan Officer II
Lisa Keene, Loan Officer I
Myra Sakai, Loan Officer I
Carrie Tam Sing, Loan Officer I
Kyle Iwaishi, Collections Officer
Anna Belle Kutsunai, Loan Processor/Clerk
Mylene Sumibcay, Loan Processor/Clerk
Robyn Yamashita, Senior MSR
Juliet Cortez, MSR II
Desiree Toda, MSR II
Alia-Mae Arcangel MSR I
Jersom Buenafe, MSR I
Renee Saribay, MSR I
Tiana Septimo, MSR I
3.17%
6.52%
24.07%
5.08%
MISSION STATEMENT: CARING FOR OUR MEMBERS NEEDS
Car Sale
Enjoy member-only pricing on
some of the hottest vehicles in town!
Maui County Employees FCU and
Maui Toyota are partnering to bring
you a special sales event.
Difference % Change
356
$8,211,900
$21,609,739
$7,573,943
Special
OFFICE HOURS
Monday, Tuesday, Thursday & Friday
8:30 a.m. - 4:30 p.m.
Wednesday
8:30 a.m. - 5:30 p.m.
Visit Maui Toyota before June 30, 2007 to take advan-
MEMBERSHIP FIELD
EXPANSION
We are proud to announce that 12
new Select Employer Groups (SEGs)
were added to our field of membership. Please join us in welcoming
the employees and family members
of P.J.’s Upholstery, The Foot Zone,
Printers Inc/Wailuku Rapid Print/
Snacks Galore, Title Guaranty Escrow
Services Inc, Akaku, Wells Fargo Financial, Tasty Crust, Maui Real Estate
Professionals, Standard Motors &
Marine Supply, The Villas at Kenolio,
Maui Motorcycle, and Valley Isle Pest
Control. To date, we currently have
93 Select Employer Groups.
tage of this exclusive offer.
70TH ANNUAL MEETING RESULTS
The 2007 Annual meeting was held on March 10, 2007 at the Wailuku Community
Center. As a tradition, a Hawaiian luau was served for dinner and enjoyed by 564
members. Also, members had an opportunity to enjoy the sweet music of Asian Blend.
The Nominating Committee submitted the following members to be elected to the
Board of Directors: Karen Oura,
Donald Terada, and Clifford Zane.
No other nominations were submitted by the deadline date. The slate
was unanimously voted in by the
membership present at the meeting.
The highlight of the evening was
the lucky number drawings. Over
175 door prizes were given away.
Door prizes given away this year
included Disneyland packages,
inter-island coupons, gift certificates,
and much more. The grand prizes
were three $300 travel vouchers.
The three lucky winners were:
(From L to R) - Lawrence Yap • Ken Takayama • Kunio Kobayashi
© MHM • (503) 636-1592
SECOND QUARTER 2007
COLLEGE SCHOLARSHIP PROGRAM
At Maui County Employees FCU, our mission is to support the goals and ambitions of our
members. Each year, we sponsor a college scholarship program for students who are members
of the Credit Union and who will be attending a postsecondary school. All applicants who meet the minimum requirements below will be entered into a random
drawing. Applications are available at the Credit Union
or on our website at www.mauiefcu.org. The deadline
for submissions is May 31, 2007.
NATIONAL CREDIT UNION
YOUTH • WEEK • 2007
week of April 22-28 and help us celebrate
National Credit Union Youth Week. Stop
by our lobby on April 25 from 1:00 p.m.
to 5:00 p.m. to receive a free keiki photo
id courtesy of Maui County Employees
FCU and the Department of Fire & Public
Safety (County of Maui).
To help celebrate this wonderful
event, open a Hoku iki account or make
C O L L E G E
STUDENT LOANS AVAILABLE
be entered into a drawing to win $50 cash. Hoku iki accounts are regular share
(savings) accounts for those members 12 and under.
With the cost of college rising every year, it’s not surprising that
six out of ten college students use loans to cover at least some of
their expenses. Maui County Employees FCU provides our members with access to two of the
most popular and economical federal loan programs.
FEDERAL
STAFFORD
LOANS
FEDERAL PLUS
LOANS
These loans are made directly to the student. A Subsidized Stafford Loan is
based on need, and the interest is paid by the government while you are in
school. An Unsubsidized Stafford Loan is not need-based and features no interest subsidies. In either case, repayment begins six months after the student is
no longer enrolled on at least a half-time basis.
Federal PLUS Loans are made to the parents, and are not based on need.
Repayment starts on the day of disbursement.
For more information, please stop by the Credit Union.
L O A N S
F O R
H I G H E R
E D U C A T I O N
COLLEGE LOANS
News
STAFF
We are pleased to announce the hiring of Alia Arcangel as our
new Member Service Representative. Alia was born and raised on
the island of Maui and previously worked at the Maui Memorial
Medical Center. In her spare time, she enjoys watching movies,
sleeping, and shopping.
We would like to welcome the
newest addition to our credit
union family, baby Ashton Joel
Kekoa Echalas, with mommy
Alia-Mae Arcangel (our MSR)
and daddy Aaron Echalas.
Unsecured Line-of-Credit
$5,000 maximum disbursement per year
$20,000 maximum Line-of-Credit
For more information, call the Loan Department at 244-7968, option 1.
PRIVACY NOTICE AND DISCLOSURE
Maui County Employees FCU, your member owned financial institution, is committed to providing you with competitive products and services to meet your financial needs and help you reach your
goals. We are equally committed to protecting the privacy of our members. Under federal law, we are
required to give you this privacy notice. It describes our Credit Union’s privacy policy and practices
concerning the personal information we collect and disclose about our members. It also includes information about the parties who receive personal and sometimes nonpublic information from us as we
conduct the business of the Credit Union. If after reading this notice you have questions, please contact
us at (808)244-7968.
INFORMATION WE COLLECT ABOUT YOU
We collect nonpublic personal information about you from the following sources:
Information we receive from you on applications and other forms
Information about your transactions with us
Information we receive from a consumer reporting agency
Information obtained when verifying the information you provide on an application or other
forms; this may be obtained from your current or past employers, or from other institutions where
you conduct financial transactions
We may disclose all of the information we collect, as described above, as permitted by law.
n
n
n
n
PARTIES WHO RECEIVE INFORMATION FROM US
We may disclose nonpublic personal information about you to the following types of
third parties:
n Financial service providers, such as insurance companies, and mortgage service
companies
n Non-financial companies, such as consumer reporting agencies, data processors,
check/share draft printers, financial statement publishers/printers, plastic card
processors, direct marketers, and government agencies.
In addition to the Federal Stafford loan program, college bound students can also apply for a
student loan with Maui County Employees FCU. Students must be members in order to apply.
Highlights of the program include:
Interest only payments while in school
5-year amortization
© 2007 CUcorp, Incorporated (Images & Ink)
All rights reserved. SPRINT, the “Going Forward” logo, the NEXTEL name and logo, and other trademarks are trademarks of Sprint Nextel.
a deposit to your Hoku iki account and
receive a free gift. Also, your name will
F O R
ON SPRINT HAWAII & NEXTEL CALLING PLANS
Visit Maui County Employees FCU the
Qualifications of applicants:
n Must be a member of Maui County Employees FCU
for at least a year
n Applicant (Dependent) and Entitlement Members
must be in good standing with the Credit Union
n High School graduate or GED certificate
n Full-time student
n Pursuing a degree – Bachelors, Masters, Doctorate, or
Vocational
Awardees:
n Ten (10) $1,000 Scholarships will be awarded
n Total of all scholarships will not exceed $10,000
n Proof of attendance with address for mailing of award
n Selection to be made by RANDOM drawing
n Lifetime limit of two (2) awards
M O N E Y
CREDIT UNION MEMBERS SAVE
MAHALO & ALOHA
to Itsuyo Kusuda, Clarence
Fujitani, and June Ono for
many, many years serving
on our SUPERVISORY
COMMITTEE
DISCLOSURE OF INFORMATION TO PARTIES THAT PROVIDE SERVICES TO US
In order for us to conduct the business of the Credit Union, we may disclose all of the information we collect, as described above, to other financial institutions with whom we have joint marketing
agreements, to other companies that perform marketing services on our behalf, or to nonaffiliated third
parties for the purposes of processing and servicing transactions that you request or authorize, so that
we may provide members competitive products and services
We may also disclose nonpublic personal information about you under circumstances as permitted or required by law. These disclosures typically include information to process transactions on your
behalf, conduct the operations of our Credit Union, follow your instructions as you authorize, or protect
the security of our financial records.
To protect our members’ privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies
to sell the information we provide to other third parties.
DISCLOSURE OF INORMATION ABOUT FORMER MEMBERS
If you terminate your membership with Maui County Employees FCU, we will not share information
we have collected about you, except as may be permitted or required by law.
HOW WE PROTECT YOUR INFORMATION
We restrict access to nonpublic personal information about you to those employees who need to
know that information to provide products or services to you. We maintain physical, electronic, or procedural safeguards that comply with federal regulations to guard your nonpublic personal information.
CREDIT CARDS ARE HERE! CREDIT CARDS ARE HERE! CREDIT CARDS ARE HERE! CREDIT CARDS ARE HERE! CREDIT CARDS ARE HERE! CREDIT CARDS ARE HERE! CREDIT CARDS ARE HERE! CREDIT CARDS ARE HERE! CREDIT CARDS ARE HERE!
COLLEGE SCHOLARSHIP PROGRAM
At Maui County Employees FCU, our mission is to support the goals and ambitions of our
members. Each year, we sponsor a college scholarship program for students who are members
of the Credit Union and who will be attending a postsecondary school. All applicants who meet the minimum requirements below will be entered into a random
drawing. Applications are available at the Credit Union
or on our website at www.mauiefcu.org. The deadline
for submissions is May 31, 2007.
NATIONAL CREDIT UNION
YOUTH • WEEK • 2007
week of April 22-28 and help us celebrate
National Credit Union Youth Week. Stop
by our lobby on April 25 from 1:00 p.m.
to 5:00 p.m. to receive a free keiki photo
id courtesy of Maui County Employees
FCU and the Department of Fire & Public
Safety (County of Maui).
To help celebrate this wonderful
event, open a Hoku iki account or make
C O L L E G E
STUDENT LOANS AVAILABLE
be entered into a drawing to win $50 cash. Hoku iki accounts are regular share
(savings) accounts for those members 12 and under.
With the cost of college rising every year, it’s not surprising that
six out of ten college students use loans to cover at least some of
their expenses. Maui County Employees FCU provides our members with access to two of the
most popular and economical federal loan programs.
FEDERAL
STAFFORD
LOANS
FEDERAL PLUS
LOANS
These loans are made directly to the student. A Subsidized Stafford Loan is
based on need, and the interest is paid by the government while you are in
school. An Unsubsidized Stafford Loan is not need-based and features no interest subsidies. In either case, repayment begins six months after the student is
no longer enrolled on at least a half-time basis.
Federal PLUS Loans are made to the parents, and are not based on need.
Repayment starts on the day of disbursement.
For more information, please stop by the Credit Union.
L O A N S
F O R
H I G H E R
E D U C A T I O N
COLLEGE LOANS
News
STAFF
We are pleased to announce the hiring of Alia Arcangel as our
new Member Service Representative. Alia was born and raised on
the island of Maui and previously worked at the Maui Memorial
Medical Center. In her spare time, she enjoys watching movies,
sleeping, and shopping.
We would like to welcome the
newest addition to our credit
union family, baby Ashton Joel
Kekoa Echalas, with mommy
Alia-Mae Arcangel (our MSR)
and daddy Aaron Echalas.
Unsecured Line-of-Credit
$5,000 maximum disbursement per year
$20,000 maximum Line-of-Credit
For more information, call the Loan Department at 244-7968, option 1.
PRIVACY NOTICE AND DISCLOSURE
Maui County Employees FCU, your member owned financial institution, is committed to providing you with competitive products and services to meet your financial needs and help you reach your
goals. We are equally committed to protecting the privacy of our members. Under federal law, we are
required to give you this privacy notice. It describes our Credit Union’s privacy policy and practices
concerning the personal information we collect and disclose about our members. It also includes information about the parties who receive personal and sometimes nonpublic information from us as we
conduct the business of the Credit Union. If after reading this notice you have questions, please contact
us at (808)244-7968.
INFORMATION WE COLLECT ABOUT YOU
We collect nonpublic personal information about you from the following sources:
Information we receive from you on applications and other forms
Information about your transactions with us
Information we receive from a consumer reporting agency
Information obtained when verifying the information you provide on an application or other
forms; this may be obtained from your current or past employers, or from other institutions where
you conduct financial transactions
We may disclose all of the information we collect, as described above, as permitted by law.
n
n
n
n
PARTIES WHO RECEIVE INFORMATION FROM US
We may disclose nonpublic personal information about you to the following types of
third parties:
n Financial service providers, such as insurance companies, and mortgage service
companies
n Non-financial companies, such as consumer reporting agencies, data processors,
check/share draft printers, financial statement publishers/printers, plastic card
processors, direct marketers, and government agencies.
In addition to the Federal Stafford loan program, college bound students can also apply for a
student loan with Maui County Employees FCU. Students must be members in order to apply.
Highlights of the program include:
Interest only payments while in school
5-year amortization
© 2007 CUcorp, Incorporated (Images & Ink)
All rights reserved. SPRINT, the “Going Forward” logo, the NEXTEL name and logo, and other trademarks are trademarks of Sprint Nextel.
a deposit to your Hoku iki account and
receive a free gift. Also, your name will
F O R
ON SPRINT HAWAII & NEXTEL CALLING PLANS
Visit Maui County Employees FCU the
Qualifications of applicants:
n Must be a member of Maui County Employees FCU
for at least a year
n Applicant (Dependent) and Entitlement Members
must be in good standing with the Credit Union
n High School graduate or GED certificate
n Full-time student
n Pursuing a degree – Bachelors, Masters, Doctorate, or
Vocational
Awardees:
n Ten (10) $1,000 Scholarships will be awarded
n Total of all scholarships will not exceed $10,000
n Proof of attendance with address for mailing of award
n Selection to be made by RANDOM drawing
n Lifetime limit of two (2) awards
M O N E Y
CREDIT UNION MEMBERS SAVE
MAHALO & ALOHA
to Itsuyo Kusuda, Clarence
Fujitani, and June Ono for
many, many years serving
on our SUPERVISORY
COMMITTEE
DISCLOSURE OF INFORMATION TO PARTIES THAT PROVIDE SERVICES TO US
In order for us to conduct the business of the Credit Union, we may disclose all of the information we collect, as described above, to other financial institutions with whom we have joint marketing
agreements, to other companies that perform marketing services on our behalf, or to nonaffiliated third
parties for the purposes of processing and servicing transactions that you request or authorize, so that
we may provide members competitive products and services
We may also disclose nonpublic personal information about you under circumstances as permitted or required by law. These disclosures typically include information to process transactions on your
behalf, conduct the operations of our Credit Union, follow your instructions as you authorize, or protect
the security of our financial records.
To protect our members’ privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies
to sell the information we provide to other third parties.
DISCLOSURE OF INORMATION ABOUT FORMER MEMBERS
If you terminate your membership with Maui County Employees FCU, we will not share information
we have collected about you, except as may be permitted or required by law.
HOW WE PROTECT YOUR INFORMATION
We restrict access to nonpublic personal information about you to those employees who need to
know that information to provide products or services to you. We maintain physical, electronic, or procedural safeguards that comply with federal regulations to guard your nonpublic personal information.
CREDIT CARDS ARE HERE! CREDIT CARDS ARE HERE! CREDIT CARDS ARE HERE! CREDIT CARDS ARE HERE! CREDIT CARDS ARE HERE! CREDIT CARDS ARE HERE! CREDIT CARDS ARE HERE! CREDIT CARDS ARE HERE! CREDIT CARDS ARE HERE!
COLLEGE SCHOLARSHIP PROGRAM
At Maui County Employees FCU, our mission is to support the goals and ambitions of our
members. Each year, we sponsor a college scholarship program for students who are members
of the Credit Union and who will be attending a postsecondary school. All applicants who meet the minimum requirements below will be entered into a random
drawing. Applications are available at the Credit Union
or on our website at www.mauiefcu.org. The deadline
for submissions is May 31, 2007.
NATIONAL CREDIT UNION
YOUTH • WEEK • 2007
week of April 22-28 and help us celebrate
National Credit Union Youth Week. Stop
by our lobby on April 25 from 1:00 p.m.
to 5:00 p.m. to receive a free keiki photo
id courtesy of Maui County Employees
FCU and the Department of Fire & Public
Safety (County of Maui).
To help celebrate this wonderful
event, open a Hoku iki account or make
C O L L E G E
STUDENT LOANS AVAILABLE
be entered into a drawing to win $50 cash. Hoku iki accounts are regular share
(savings) accounts for those members 12 and under.
With the cost of college rising every year, it’s not surprising that
six out of ten college students use loans to cover at least some of
their expenses. Maui County Employees FCU provides our members with access to two of the
most popular and economical federal loan programs.
FEDERAL
STAFFORD
LOANS
FEDERAL PLUS
LOANS
These loans are made directly to the student. A Subsidized Stafford Loan is
based on need, and the interest is paid by the government while you are in
school. An Unsubsidized Stafford Loan is not need-based and features no interest subsidies. In either case, repayment begins six months after the student is
no longer enrolled on at least a half-time basis.
Federal PLUS Loans are made to the parents, and are not based on need.
Repayment starts on the day of disbursement.
For more information, please stop by the Credit Union.
L O A N S
F O R
H I G H E R
E D U C A T I O N
COLLEGE LOANS
News
STAFF
We are pleased to announce the hiring of Alia Arcangel as our
new Member Service Representative. Alia was born and raised on
the island of Maui and previously worked at the Maui Memorial
Medical Center. In her spare time, she enjoys watching movies,
sleeping, and shopping.
We would like to welcome the
newest addition to our credit
union family, baby Ashton Joel
Kekoa Echalas, with mommy
Alia-Mae Arcangel (our MSR)
and daddy Aaron Echalas.
Unsecured Line-of-Credit
$5,000 maximum disbursement per year
$20,000 maximum Line-of-Credit
For more information, call the Loan Department at 244-7968, option 1.
PRIVACY NOTICE AND DISCLOSURE
Maui County Employees FCU, your member owned financial institution, is committed to providing you with competitive products and services to meet your financial needs and help you reach your
goals. We are equally committed to protecting the privacy of our members. Under federal law, we are
required to give you this privacy notice. It describes our Credit Union’s privacy policy and practices
concerning the personal information we collect and disclose about our members. It also includes information about the parties who receive personal and sometimes nonpublic information from us as we
conduct the business of the Credit Union. If after reading this notice you have questions, please contact
us at (808)244-7968.
INFORMATION WE COLLECT ABOUT YOU
We collect nonpublic personal information about you from the following sources:
Information we receive from you on applications and other forms
Information about your transactions with us
Information we receive from a consumer reporting agency
Information obtained when verifying the information you provide on an application or other
forms; this may be obtained from your current or past employers, or from other institutions where
you conduct financial transactions
We may disclose all of the information we collect, as described above, as permitted by law.
n
n
n
n
PARTIES WHO RECEIVE INFORMATION FROM US
We may disclose nonpublic personal information about you to the following types of
third parties:
n Financial service providers, such as insurance companies, and mortgage service
companies
n Non-financial companies, such as consumer reporting agencies, data processors,
check/share draft printers, financial statement publishers/printers, plastic card
processors, direct marketers, and government agencies.
In addition to the Federal Stafford loan program, college bound students can also apply for a
student loan with Maui County Employees FCU. Students must be members in order to apply.
Highlights of the program include:
Interest only payments while in school
5-year amortization
© 2007 CUcorp, Incorporated (Images & Ink)
All rights reserved. SPRINT, the “Going Forward” logo, the NEXTEL name and logo, and other trademarks are trademarks of Sprint Nextel.
a deposit to your Hoku iki account and
receive a free gift. Also, your name will
F O R
ON SPRINT HAWAII & NEXTEL CALLING PLANS
Visit Maui County Employees FCU the
Qualifications of applicants:
n Must be a member of Maui County Employees FCU
for at least a year
n Applicant (Dependent) and Entitlement Members
must be in good standing with the Credit Union
n High School graduate or GED certificate
n Full-time student
n Pursuing a degree – Bachelors, Masters, Doctorate, or
Vocational
Awardees:
n Ten (10) $1,000 Scholarships will be awarded
n Total of all scholarships will not exceed $10,000
n Proof of attendance with address for mailing of award
n Selection to be made by RANDOM drawing
n Lifetime limit of two (2) awards
M O N E Y
CREDIT UNION MEMBERS SAVE
MAHALO & ALOHA
to Itsuyo Kusuda, Clarence
Fujitani, and June Ono for
many, many years serving
on our SUPERVISORY
COMMITTEE
DISCLOSURE OF INFORMATION TO PARTIES THAT PROVIDE SERVICES TO US
In order for us to conduct the business of the Credit Union, we may disclose all of the information we collect, as described above, to other financial institutions with whom we have joint marketing
agreements, to other companies that perform marketing services on our behalf, or to nonaffiliated third
parties for the purposes of processing and servicing transactions that you request or authorize, so that
we may provide members competitive products and services
We may also disclose nonpublic personal information about you under circumstances as permitted or required by law. These disclosures typically include information to process transactions on your
behalf, conduct the operations of our Credit Union, follow your instructions as you authorize, or protect
the security of our financial records.
To protect our members’ privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies
to sell the information we provide to other third parties.
DISCLOSURE OF INORMATION ABOUT FORMER MEMBERS
If you terminate your membership with Maui County Employees FCU, we will not share information
we have collected about you, except as may be permitted or required by law.
HOW WE PROTECT YOUR INFORMATION
We restrict access to nonpublic personal information about you to those employees who need to
know that information to provide products or services to you. We maintain physical, electronic, or procedural safeguards that comply with federal regulations to guard your nonpublic personal information.
CREDIT CARDS ARE HERE! CREDIT CARDS ARE HERE! CREDIT CARDS ARE HERE! CREDIT CARDS ARE HERE! CREDIT CARDS ARE HERE! CREDIT CARDS ARE HERE! CREDIT CARDS ARE HERE! CREDIT CARDS ARE HERE! CREDIT CARDS ARE HERE!
REFER A MEMBER AND EVERYONE WINS!
Bring in a new member to open a regular share (savings) account and both
names (new member and existing member) will be entered into a weekly drawing
for a Credit Union gift package. All entrees will then be eligible for the grand prize
drawing of $700 cash. New member must deposit a minimum of $100 and pay the
$1 membership fee. This promotion runs from April 15, 2007 to June 8, 2007.
HOLIDAY CLOSINGS
REMEMBER,
MEMORIAL DAY
Monday, May 28, 2007
KING KAMEHAMEHA
DAY
Monday, June 11, 2007
YOU HAVE UNTIL
APRIL 17 TO MAKE
INDEPENDENCE DAY
Wednesday, July 4, 2007
CONTRIBUTIONS TO
YOUR
IRAS
LOAN RATES
DIVIDEND YIELDS
(Effective March 1, 2007)
APY = Annual Percentage Yield.
Regular Share
Account ..............................1.77% APY
Christmas Club
Account* ............................1.77% APY
IRA Share Account
*APR = Annual Percentage Rate.
AUTO LOANS
n New Autos as low as 4.50% APR*
n Used Autos as low as 5.00% APR*
* The rate stated is based on an evaluation of
applicant credit, auto payment and loan &
collateral protection.
Traditional, ROTH, & Coverdell ESA
Call for current rates
PERSONAL LOANS
Share Draft Account ........0.50% APY
Share Certificates
6-, 12-, 24- and 36-Month terms
Call for current rates
All yields are as of 3/1/07, are expressed
as Annual Percentage Yields (APY) and are
subject to change without notice. The APY is
calculated based on a $2,500 balance. Dividends are accrued monthly and credited to
your account on the last day of each month.
As low as 7.50% APR*
* The rate stated is based on an evaluation of
applicant credit and auto payment.
REAL ESTATE LOANS
n Home Equity Line-of-Credit
n Land Loans
n A wide variety of 1st & 2nd Mortgages
Call for current rates.
SHARE SECURED LOANS
* Dividends for Christmas Club Accounts are
credited to your account annually on 10/31.
As low as 2.50% APR
CONSOLIDATION LOANS
PLEASE CALL THE CREDIT UNION AT
244-7968 OR (800) 783-6597
FOR CURRENT RATE INFORMATION
OR IF YOU HAVE QUESTIONS.
Members
Total Shares
Total Loans
Total Assets
As low as 11.50% APRo
o
The rate stated is based on evaluation of applicant credit
and auto payment.
All rates are as of 12/1/06, are expressed as Annual Percentage
Rates (APR) and are subject to change without notice.
February ’07
February ’06
11,601
$134,191,968
$111,401,029
$156,752,839
11,245
$125,980,068
$89,791,290
$149,178,896
MAUI COUNTY EMPLOYEES
FEDERAL CREDIT UNION
1888 Wili Pa Loop
Wailuku, HI 96793-1272
(808) 244-7968 • Fax (808) 242-1690
(800) 783-6597 (Neighbor islands)
Teller Tone Service (800) 285-2932
www.mauiefcu.org
BOARD OF DIRECTORS
Tom Hiranaga, Chairman
Edwin Okubo, Vice Chairman
Donald Terada, Secretary/Treasurer
Frederico Asuncion, Director
Karen T. Oura, Director
Wesley Wong Jr., Director
Clifford Zane, Director
n Designated pricing – no negotiations necessary
n Simple, on-the-spot financing
n Trade-ins welcome
n Includes all new and used vehicles in stock
(some models may not be available due to limited allocation)
STAFF
Gary Fukuroku, Manager/CEO
Layne Oishi, Loan Manager
Myron Sakamoto, Operations Manager
Cathy Nakamura, Accounting Supervisor
Ray Pascua, Assistant Loan Manager
Barbara Pagay, Marketing Specialist
Lois Akiona, Loan Officer II
Frances Nelson, Loan Officer II
Lisa Keene, Loan Officer I
Myra Sakai, Loan Officer I
Carrie Tam Sing, Loan Officer I
Kyle Iwaishi, Collections Officer
Anna Belle Kutsunai, Loan Processor/Clerk
Mylene Sumibcay, Loan Processor/Clerk
Robyn Yamashita, Senior MSR
Juliet Cortez, MSR II
Desiree Toda, MSR II
Alia-Mae Arcangel MSR I
Jersom Buenafe, MSR I
Renee Saribay, MSR I
Tiana Septimo, MSR I
3.17%
6.52%
24.07%
5.08%
MISSION STATEMENT: CARING FOR OUR MEMBERS NEEDS
Car Sale
Enjoy member-only pricing on
some of the hottest vehicles in town!
Maui County Employees FCU and
Maui Toyota are partnering to bring
you a special sales event.
Difference % Change
356
$8,211,900
$21,609,739
$7,573,943
Special
OFFICE HOURS
Monday, Tuesday, Thursday & Friday
8:30 a.m. - 4:30 p.m.
Wednesday
8:30 a.m. - 5:30 p.m.
Visit Maui Toyota before June 30, 2007 to take advan-
MEMBERSHIP FIELD
EXPANSION
We are proud to announce that 12
new Select Employer Groups (SEGs)
were added to our field of membership. Please join us in welcoming
the employees and family members
of P.J.’s Upholstery, The Foot Zone,
Printers Inc/Wailuku Rapid Print/
Snacks Galore, Title Guaranty Escrow
Services Inc, Akaku, Wells Fargo Financial, Tasty Crust, Maui Real Estate
Professionals, Standard Motors &
Marine Supply, The Villas at Kenolio,
Maui Motorcycle, and Valley Isle Pest
Control. To date, we currently have
93 Select Employer Groups.
tage of this exclusive offer.
70TH ANNUAL MEETING RESULTS
The 2007 Annual meeting was held on March 10, 2007 at the Wailuku Community
Center. As a tradition, a Hawaiian luau was served for dinner and enjoyed by 564
members. Also, members had an opportunity to enjoy the sweet music of Asian Blend.
The Nominating Committee submitted the following members to be elected to the
Board of Directors: Karen Oura,
Donald Terada, and Clifford Zane.
No other nominations were submitted by the deadline date. The slate
was unanimously voted in by the
membership present at the meeting.
The highlight of the evening was
the lucky number drawings. Over
175 door prizes were given away.
Door prizes given away this year
included Disneyland packages,
inter-island coupons, gift certificates,
and much more. The grand prizes
were three $300 travel vouchers.
The three lucky winners were:
(From L to R) - Lawrence Yap • Ken Takayama • Kunio Kobayashi
© MHM • (503) 636-1592
SECOND QUARTER 2007