Savings Become a member/owner and start saving. www.hicommfcu.com Christmas Club Account Do you have a hard time saving for the holidays? We’ve Money Manager Accounts got the account for you. With a Christmas Club Account you can put some cash away all year long to help you when it The Money Manager Accounts require a higher comes to the season of giving. Open your Christmas Club balance then our Share Savings Account, but that Account for only $5. There are no withdrawal restrictions, means higher returns.3 Our Money Manager Accounts Savings no monthly requirements, and best yet you get dividends can be set up as a savings account or a checking monthly based on your average daily balance. account. Based on your average daily balance you will be earning higher dividends compared to your Share All members of Hawaii Community Budget Share Certificate Savings Account. Federal Credit Union are also owners Our 12 Month Budget Share Certificate is great way to earn who share in the benefits of combining Money Manager Account Tiers higher dividends without having the same rules as a Share resources for a greater selection of $5,000 to $9,999.99 Certificate. Our Budget Share Certificate has a lower products and services. $10,000 to $24,999.99 minimum balance of $200 and you are able to make deposits to your Budget Share Certificate during the 12 $25,000+ month term in $50 increments. Plus, you can make a Share Savings Account one-time withdrawal from your Budget Share Certificate All Hawaii Community Federal Credit Union members open without incurring any penalties as long as you keep the a Share Savings Account when joining the Credit Union. minimum $200 balance. Premium Saver Accounts In order to open this account you must deposit at least $50. This basic account makes it easy to build savings and it makes you a member/owner! Once you’ve established Premium Saver Accounts are for the member/owners yourself as a member/owner you can enjoy all of the who maintain a balance of $50,000 or more within products and services we offer. their account.3 The Premium Saver Account can be set up as a savings account or a checking account. The more funds you have the more dividends you receive. Premium Saver Account Tiers $50,000 to $74,999.99 $75,000 to $99,999.99 $100,000+ Individual Retirement Accounts 2 Credit Union staff can not give tax or IRA advice. Please consult with a skilled tax advisor to discuss which Start saving for your future with us! We offer Roth, IRA is best for you. Traditional, and SEP IRAs as well as Coverdell Educational 3 The Money Manager Account requires a minimum ADB (Average Daily Balance) of $5,000. If the ADB falls below the minimum, a monthly service charge is assessed. The Premium Saver Account requires a minimum Savings Accounts. With no account set-up fees, no ADB of $50,000. If the ADB falls below the minimum, a monthly service charge is assessed. Please see our maintenance fees, competitive rates and low minimum Fee & Rate Schedule for current monthly service charge. deposit requirements our IRA product line is here to help you start saving for your retirement2. Share Certificates We offer our member/owners a variety of Share Certificates, both long and short-term, just right for everyone. Funds deposited into a Share Certificate are ‘locked in’ for the term of the certificate earning a higher rate then a Share Savings Account.1 Share Certificates Minimum IRA Minimum Term Balance Balance 3 month $2000 $500 6 month $1000 $500 9 month $1000 $500 12 month $1000 $500 18 month $500 $500 24 month $500 $500 36 month $500 $500 48 month $500 $500 60 month $500 $500 12 month budget $200 N/A 1 A penalty will be imposed for early withdrawal. If any early withdrawal is made for a portion of your certificate, with at least the minimum balance remaining, the penalty will be assessed only on the amount withdrawn. If an early withdrawal is made for an amount that reduces the certificate balance below the minimum balance, then the penalty will be assessed as if the entire amount of the certificate had been withdrawn. Any balance that is withdrawn will be transferred to your share account. If you withdraw and take your Share Certificate below the minimum balance required you must close the entire Share Certificate. Corporate Office at the John Y. Iwane Credit Union Center 73-5611 Olowalu St. Kailua-Kona, HI 96740 Kailua-Kona Branch Kohala Branch 75-159 Hualalai Rd. P.O. Box 39 Kailua-Kona, HI 96740 54-396 Union Mill Rd. Kapaau, HI 96755 Kaloko Branch 73-5611 Olowalu St. Honokaa Branch Kailua-Kona, HI 96740 45-690 Pakalana St., Ste. A Honokaa, HI 96727 Kealakekua Branch 81-6631 Mamalahoa Hwy. Kealakekua, HI 96750 Hawaii Island Phone: 930-7700 CALL24 Telephone Teller: 329-9440 TTY: 329-8192 firstname.lastname@example.org Off-Island Toll-Free Phone: 1-800-514-2328 CALL24 Telephone Teller: 1-800-303-9440 www.hicommfcu.com Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.
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