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					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
                              info@hicommfcu.com

                                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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posted:8/9/2011
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