To avoid becoming victim to an identity thief, it is important to keeppersonal and financial documents safe and secure. Properly storingimportant documents not only will help thwart identity theft, but canalso help eliminate clutter and keep you organized.

Ways to keep your financial and personal information safe andsecure include:

Receive financial statements electronicallyAlleviate clutter and add security by signing up to receive billingand financial statements electronically. Not only will you eliminatethe chances of your financial information being lost, or even stolenfrom your mailbox, you will no longer have the clutter of paperstatements. Another advantage is that your electronic statements canbe easily secured and stored on your computer or online financialaccount.

Keep important documents in a locked filing cabinet orfire/waterproof safeSecuring personal and financial documents under lock and key willhelp keep all your documents organized and will prevent them frombeing accessed by someone who could use the information to stealyour identity. It is also a good idea to store hard to replacedocuments, such as Social Security cards, birth certificates, marriage

THE

A quarterly publication for Hickam FCU members 1ST QUARTER 2016HickamDif fer ence“We Make a

Difference in OurMembers’ Lives”

79th Annual Membership Celebration

withBen Vegas &

Maila GibsonBen Vegas &

Maila GibsonSaturday, February 27, 2016Hawaii Convention Center$30 per person

Includes Prime Rib Dinner Buffet, Drawings for cash prizes and a Grand Prize $1,000 Travel Certificate!

Dance Music byNueva VidafeaturingRocky Brown & Jordan SegundoFor reservations call 423-1391 or visit a branch.

Notice of the 79th Hickam FCU Annual Meeting and

Membership Celebration Dinner Saturday, February 27, 2016

at the Hawaii Convention Center Registration for the 79th Annual Business Meeting

for members begins at 4:00 p.m. with the meeting to be conducted promptly at 4:30 p.m.

The Annual Membership Celebration Dinner starts at 6:00 p.m. in the Kalakaua Ballroom.

Please join us for an evening of fun and fellowship.

The New Year is here. So, have you made your resolutions yet? Ifyour resolution is to SAVE MORE, you are fortunate to have afinancial partner to help along the way. Whether you are lookingto consolidate debt, finance a large purchase, or even buy or refinancea home, Hickam FCU is here to help you SAVE MORE.SAVE MORE with a Bill Consolidation LoanIf you are drowning in debt from holiday spending, high interestrate credit cards, or other large bills, it may be time for you toconsider a bill consolidation loan. Hickam FCU can help consolidateall your bills into one manageable monthly payment. Not only cana bill consolidation loan help you pay down outstanding debt quicker,you could also SAVE MORE by paying less in interest charges.SAVE MORE with a MasterCard® Credit CardDo you have debt on a higher-rate credit card from another financialinstitution? If so, SAVE MORE by transferring your higher-ratebalances to a Hickam FCU MasterCard Credit Card. On top oflow rates, a Hickam FCU MasterCard Credit Card has no annualfees, balance transfer fees, or cash advance fees.SAVE MORE with a Home Equity Line of CreditLooking to renovate your home this New Year? Are you planningfor educational expenses, a dream vacation, or other large purchases?A Home Equity Line of Credit from Hickam FCU may be justwhat you need. Plus, we can help you SAVE MORE with our lowrates and low closing costs.SAVE MORE with a Mortgage LoanLooking for a new home or thinking about refinancing yourexisting mortgage? Hickam FCU offers attractive first mortgageplans for purchase, refinance, or cash out. With our low rates andlow closing costs you can SAVE MORE.

For more information on how Hickam FCU can help youSAVE MORE visit hickamfcu.org, stop by a branch, or give us acall at 423-1391.

TICKETS GOING FAST!Only one month left to reserve your seats!

We Makinga Difference

Feeding Hawaii’s Hungry.Hickam Federal CreditUnion was proud tosupport the HawaiiFoodbank this holidayseason by collectingfood donations frommembers and staff. In all,Hickam FCU collected over 1,500pounds of food and over $1,600 in monetary donationsto help those in need. The Hawaii Foodbank provides more than123,000 Hawaii households with food assistance. Hickam FCU wouldlike to thank all of you who made a donation to this worthwhile cause.

Throughout 2015, Hickam FCU participated in the Lanakila Mealson Wheels program by making bi-weekly meal deliveries to homeboundseniors. Also, on Thanksgiving Day, Hickam FCU staff volunteershelped the Lanakila Meals on Wheels program by preparing meals,which were delivered to those who may otherwise have gone withouta warm holiday meal. Making a Difference for Families and the Community.In November, Hickam FCU partnered with the Weed and Seedprogram and provided 330 Keiki ID’s during the Safe CommunitiesDay at Leeward Community College.

In the true spirit of giving Hickam FCU donated personal andhousehold goods to the residents of the Mental Health Kokua grouphome fulfilling their individual wish list.

Also, Hickam FCU volunteer bakers fired-up their ovens, donnedtheir aprons, and baked 50 dozen cookies for the Hickam Air Field2015 Christmas Cookie Caper. It’s a way of creating a home-away-from-home feeling with holiday goodies for the single or deployedairmen.

And once again,Hickam FCUpartnered with theU.S. Air Force First Sergeant’sAssociation AngelTree program. Weare deeply gratefulto all of those who

made a donation to theAngel Tree and helped brighten the holidays for many

Hickam Air Field children. With the help of generous hearts, HickamFCU was able to collectenough gifts to bringholiday joy to over 150children.

President’s Message

Greetings!!! How time flies - it’sa brand New Year, that one time of

any year when we optimistically set resolutions, perhaps realistically knowing

we won’t be able to keep them…We welcome 2016 with new vigor as we set the goals we

look forward to achieving. We greet the new year with the promiseof new beginnings, opportunities, and growth, and we celebratethe turn of the calendar with wishes of happiness, success, goodhealth, and prosperity.

Last year, we accomplished quite a bit:• We started 2015 with an announcement of our land purchase in Pearl City, to be home to our future flagship branch; we will be breaking ground within the next few months

• We opened our fifth branch in April with our innovative Kioskbranch, in Kahala Mall, the first of-its-kind in Hawaii, bringingour affordable financial products and services to those livingin East Honolulu

• We introduced a new look Online Banking service with enhanced functionality and security

• We integrated with Online Banking, a robust Mobile Bankingservice that featured Remote Deposit Capture that allows members to take a photo of a check with their smartphone or tablet and e-deposit the check conveniently by simply pressing the send button

• We converted our credit and debit cards to EMV Chip Technology that improves security when making purchases,while also switching our VISA brand to MasterCard® and

• We introduced Motorcycle Loans for those commuters who enjoy the extra freedom a motorcycle brings.After having accomplished so much in 2015, I’m excited to

say that the Hickam Federal Credit Union is looking forward to2016 with much anticipation and promise. These feelings areespecially true as we prepare to celebrate our 80th Anniversaryat the end of October and we look to the future as we watch ournew headquarters and branch become real.

As always, we will remain committed to serving you, ourmembers, with the finest money-saving products and services youhave depended on for your financial needs. And we will continueto Make a difference in our community of Oahu. With little to nofees, better loan rates and earnings on deposits, Hickam FederalCredit Union is a secret that we don’t mind you sharing withfamily and friends. With your continued loyalty, support, andsharing the secret of our benefits with others, we will continueto grow and prosper.

On behalf of our volunteer Board of Directors and otherofficials, management and staff, we once again extend a healthy,prosperous, and Happy New Year to you and your family.

Mahalo,Gerard AuyongGerard Auyong, President/CEO

Third graders from teacher FayNishimura’s Alvah Scott ElementarySchool class donated over 20 giftsthat they purchased with proceeds

from their book sale fundraisertotaling over $450.

U.S. Air Force First Sergeant’s Association Angel Tree Coordinators

pick up donated gifts from Hickam FCU’s Main Branch.

Hickam Federal Credit Union has teamed upwith TurboTax® to get you your maximumrefund, savings of up to $15 on TurboTaxfederal products, and a chance to win $25,000!Just try TurboTax Online for FREE (and provideyour email address) by February 18th to beautomatically entered in the TurboTax $25,000Payday Sweepstakes.1

Visit www.hickamfcu.org to get started onTurboTax today!1 TurboTax $25,000 Payday Sweepstakes. NO PURCHASE OR FINANCIAL DISCLOSURENECESSARY. Open to legal residents of the fifty (50) United States or the District of Columbia, 18 yearsof age or older at time of entry. Void in Puerto Rico and where prohibited by law. Sweepstakes ends2/18/16. Subject to complete Official Rules and all applicable federal, state and local laws. For Officialrules including odds of winning, alternate method of entry, and prize descriptions, visit the OfficialRules. PRIZES: One (1) Grand Prize: A check for $25,000. Retail value, $25,000. Ten (10) First Prizes:A check for $1,000. Retail value, $1,000 each. Maximum retail value of all prizes is $35,000. The oddsof winning a prize depend upon the total number of eligible entries received by the end of the PromotionPeriod. SPONSOR: Intuit Inc., 7535 Torrey Santa Fe Rd, SDG-2A-03-22H, San Diego, CA, 92129.© 2015-2016 Intuit Inc. All rights reserved. State filing charges apply. Limited time offer for TurboTax2015. Terms, conditions, features, availability, pricing, fees, service and support options subject to changewithout notice. Intuit, TurboTax and TurboTax Online, among others, are registered trademarks and/orservice marks of Intuit Inc. in the United States and other countries. Other parties' trademarks orservice marks are the property of their respective owners.

Get Your Tax Refund Fast With Direct Deposit

If you are expecting a tax refund, why wait weeks to get a papercheck in the mail when you can get your money within days withdirect deposit? The IRS makes depositing your tax refund directlyinto your Hickam FCU savings or checking account easy andconvenient. Plus, you can split your refund and directly depositinto as many as three different savings or checking accounts.

Compared to postal mail, direct deposit is a safer andquicker way to get your refund. To have your refund directlydeposited into a single Hickam FCU account follow these stepsin the “Refund” section of the 1040 IRS tax form. 1. Line 76a - Fill in the calculated amount that you expect

to be refunded.2. Line 76b - Fill in the Hickam FCU Routing Number

321379106.3. Line 76c - Indicate if you want your refund deposited

into your Checking or Savings account.4. Line 76d - Fill in your Hickam FCU account number.

If you would like to split your direct deposit among two or threedifferent Hickam FCU accounts, complete IRS Form 8888Allocation of Refund.

If you have any questions concerning your tax refund throughdirect deposit, talk with a tax preparer or give us a call at 423-1391.

Everyone knows, saving for retirement is important. If you didnot make a contribution to your Hickam FCU IRA in 2015,there’s still time. To take advantage of the tax benefits for the2015 tax year, you have until April 15, 2016 to make a contribution.The maximum per person contribution for Traditional and RothIRAs is $5,500 or $6,500 if you are 50 years or older.

Don’t have a Hickam FCU IRA? No problem. Hickam FCUoffers several retirement accounts with great features like:• No minimum balance.• No monthly fees.• Contributions may be made in a “lump sum” or by regular

deposits throughout the year.• IRA Certificates are also available with a minimum deposit

of $500 and terms of 12, 24, 36, and 60 months.For more detailed information on IRAs and the tax benefits,

speak with a tax professional. For more information on a HickamFCU IRA Savings Account or IRA Certificate visit hickamfcu.orgor stop by any one of our convenient branch locations.

Make Your IRA Contributions Today!

P. O. Box 30025Honolulu, HI 96820

PRSRT STDU.S. Postage

PAIDHonolulu, HI

Permit No. 9235

Federally insured by NCUA

Holiday ClosuresMartin Luther King, Jr. DayMonday, January 18, 2016

Presidents’ DayMonday, February 15, 2016

SAVE THE DATE!Saturday, February 27, 2016

79th Annual Meeting &Membership Celebration

at the Hawaii Convention CenterReserve your seats today!

HICKAM FEDERAL CREDIT UNIONwww.hickamfcu.org(808) 423-1391(Oahu only)Toll-free 800-432-4328

(Continental U.S & Neighbor Islands only)Call Center Hours

Monday-Friday, 8am-6pm HSTSaturday 9am-3pm HST

Closed on Sundays and Holidays

Audio Response(808) 218-6000 (Oahu)Toll-free: 866-903-4328

(Continental U.S & Neighbor Islands only)

Main BranchJoint Base Pearl Harbor-Hickam

Mon-Thurs, 8am-4pm. Fri, 8am-5pm.

Mililani BranchThe Town Center of Mililani

Mon-Fri, 10am-6pm. Sat, 9am-2pm.

Pearlridge BranchPearlridge Mall Uptown 2nd Level

Mon-Fri, 9am-6pm. Sat, 9am-3pm.

Kapolei BranchThe Marketplace at Kapolei

Mon-Fri, 10am-6pm. Sat, 9am-2pm.

Kahala Mall Kiosk BranchKahala Mall

Mon-Fri, 10am-6pm. Sat, 10am-3pm.

STANDARD LOAN RATES (Effective 4/1/14)

APR* Terms Monthly Payment ExampleAs low as Per $1,000 Borrowed

NEW AUTO** 1.74% 1-3 years 36 monthly payments of $28.532.24% 4 years 48 monthly payments of $21.802.74% 5 years 60 monthly payments of $17.86

(Over $15,000) 3.74% 6 years 72 monthly payments of $15.53(Over $20,000) 4.74% 7 years 84 monthly payments of $14.02

USED AUTO** 2.24% 1-3 years 36 monthly payments of $28.752.74% 4 years 48 monthly payments of $22.033.24% 5 years 60 monthly payments of $18.08

(Over $15,000) 4.24% 6 years 72 monthly payments of $15.76(Over $20,000) 4.74% 7 years 84 monthly payments of $14.02

PERSONAL** 5.75% 2 years 24 monthly payments of $44.216.25% 3 years 36 monthly payments of $30.546.75% 4 years 48 monthly payments of $23.847.25% 5 years 60 monthly payments of $19.93

*Annual Percentage Rate. Rates are subject to change without notice. All loans are subject to creditapproval.**Rate disclosed is the lowest rate available based on the establishment of automatic payment and forapplying online. For New Auto loans, rate disclosed includes an additional 0.25% discount with a downpayment of 20% or more. Maximum loan amounts are based on 120% MSRP for New Auto Loans and 100%Kelley Blue Book Retail Value for Used Auto Loans which both may include optional equipment, tax, license,GAP, extended warranty or other auto related add-ons. Higher rates may apply for New or Used Auto Loansand Personal Loans depending on loan term, collateral, member’s credit performance, and/or thecancellation of automatic payment. Terms indicated are for payment calculations only.

Board of DirectorsRay RomeroChairpersonCarol J. EbiaVice ChairpersonAbigail K. NishidaChief Financial OfficerSharon K. MiyazawaSecretary

Supervisory CommitteeMichael MeaneyChairpersonCurtis PopaSecretary

Larry DamewoodDirectorDuke T. HiyamaDirectorTina MendesDirectorCheryl SuzukiDirectorAdrian YunsonDirector

Frederick MarkMember

The Hickam Dif fer ence isa news let ter pub lished quarterly.

In for ma tion herein is deemedac cu rate at the time of print ing.

Lighten Up Your Post HolidaysLighten Up Your Post Holidays

APR*2.50%For up to 24-month term.

Loan amounts from $1,000 to $35,000.**

Personal Loan rates from as low as

*Annual Percentage Rate (APR) is the lowest rate available for up to a 24-month term and includes a 0.25% APR discount for Online Loan Application. Automatic payment from a qualifying HFCU deposit account isrequired, or standard rates will apply. **Minimum loan amount is $1,000. Maximum loan amount is $35,000. No refinancing of existing Hickam FCU personal loans. For this special, the monthly payment amount for a$5,000 personal loan with a 24-month term would be $213.82. Other rates and terms are available. All loans are subject to approval. Certain terms and conditions apply. Rates subject to change. Offer good thru 1/31/2016.

Great for consolidating all your post holiday bills, high interest rate credit cards, taking the vacation of your dreams, or other large purchases!