Savings Dividend Rates* Savings**

$25.00 to $9,999.99 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.10% APY $10,000.00 to $49,999.99 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.10% to 0.14% APY $50,000.00 and Over . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.14% to 0.20% APY

Holiday Club Savings . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1.00% APY

Individual Retirement Account IRA)$0.00 to $9,999.99 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.30% APY $10,000.00 to $49,999.99 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.30% to 0.38% APY $50,000.00 and Over . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.38% to 0.50% APY

Share Certificate 6 Month Term (Regular Share Certificates only) . . . . . . 0. % to APY 12 Month Term . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0. % to APY 24 Month Term . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . % to APY 36 Month Term . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1. % to APY 48 Month Term . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1. % to APY 60 Month Term . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1. % to APY

Super Saver Share Certificate Account12 Month Term . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3.00% APY

Personal Loan Product Rates* . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .00% Margin

Personal Loan4,5 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . % APR Tuition Loan4,5 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . % APR

New & Used Vehicle Loan New Vehicle Loan4,5 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1. % APR Used Vehicle Loan4,5 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1. % APR Overdraft Line of Credit5 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8.00% APR Visa Credit Cards6

Visa PLATINUM Credit Card . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9.50% APR Visa PLATINUM PLUS Credit Card7 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5.90% APR

Real Estate Loan Product Rates* Home Equity Line of Credit

Loan-To-Value 80%8,9,10

1-Year Rate Fixed . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1. % APR 3-Year Rate Fixed . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3. % APR 5-Year Rate Fixed . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4. % APR

Loan-To-Value 90%8,9,10

1-Year Rate Fixed . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . % APR 3-Year Rate Fixed . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . % APR

Fixed-Rate Mortgage Loans Loan-To-Value 80%8,10

15-Year Term, No Points . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Call for rates 20-Year Term, No Points . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Call for rates 30-Year Term, No Points . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Call for rates

Loan-To-Value 90% 8,10

15-Year Term, No Points . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Call for rates

*APY is Annual Percentage Yield. Rates current as of 04/01/2019; subject to change. All credit union products & services subject to membership eligibility. All loan products subject to credit review. **Earn one or more of the noted APYs based on each portion of your average daily balance (ADB) that falls within each tier. 1Kids Club Savings accounts are subject to a maximum monthly deposit of $100 and are restricted to primary members under the age of 18 years (after which theaccount will be closed and the balance transferred into their Regular Share account). 2Holiday Club Savings accounts are subject to a maximum monthly deposit of $200. These accounts are subject to a penalty for early withdrawal, which mayresult in forfeiture of accrued dividends. Rates are based on length of membership. Subject to a minimum deposit of $2,500. Super Saver Share Certificate Accounts are subject to a penalty for early withdrawal, which may result in forfeiture of accrued dividends and is subject to a maximum opening deposit of $1,000 and available for a 12-Month term only. Limited to one account per member with a Checking Account including a direct deposit arrangement. Other restrictions may apply. Limited time offer; subject to change or cancellation without notice. ³Shared Secured loans will incur a rate of no more than 1.00 percentage point (what we call a Margin) above the posted Dividend Rate (APY) for the type of Savings or Share Certificate account pledged for collateral. ⁴Lowest available rate for a 3-year term loan on Vehicle Loans and a 1-year term loan on Personal and Tuition Loans including the maxiumum discount available under the MemberRewards Program. Other rates and terms available. ⁵Based on credit standing and length of membership, loan rates may vary up to 17.00% APR for a Tuition Loan or 18.00% APR for all other loans. Vehicle Loan amount maximum for all vehicle loans are based on the value of the vehicle. ⁶Visa PLATINUM and PLATINUM PLUS Credit Cards are subject to underwriting guidelines. Visa PLATINUM PLUS Credit Card’s minimum credit line is $5,000. ⁷5.90% APR introductory rate for a period of six (6) billing cycles. Standard purchase rate is 7.90% APR. ⁸APR's are the lowest available rates including the maximum discount available under the MemberRewards Program (if applicable). For residential, owner-occupied, fee simple properties in the State of Hawaii. Lowest available rate subject to certain conditions. ⁹Current standard rate for 80% is 5.21% APR. Current standard rate for 90% is 6.21% APR. 10Lowest available rate subject to certain conditions.

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IT’S OUR

NEW MEMBERSHIP DRIVEAPRIL 1ST THRU JUNE 30TH 2019

(See inside for details)

2019 promises to be one of the most magical years at the Disneyland Resort. With events like Get Your Ears On: A Mickey and Minnie Celebration, Food & Wine Festival and the grand-opening of Star Wars: Galaxy’s Edge, we couldn’t be more excited! To help

you experience all of the fun, Hawaii Schools FCU has partnered with Get Away Today to give you the best

deals for spring travel.

From now until May 23, 2019*, you can save up to $111 per ticket when you book with Get Away Today! Plus, you can always take advantage of their Layaway Plan. For just $175 down, getting to the Happiest Place on

Earth is more affordable than ever before! To book, visit getawaytoday.com or call 855-GET-

AWAY to speak to a travel expert directly. Don’t forget to mention that Hawaii Schools FCU sent you!

*Actual savings vary per ticket and are calculated based on annual park pricing. Largest savings are available during travel value dates January 7 – May 23, 2019, excluding blackout dates of April 14-22, 2019.

Savings Dividend Rates* Savings**

$25.00 to $9,999.99 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.10% APY $10,000.00 to $49,999.99 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.10% to 0.14% APY $50,000.00 and Over . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.14% to 0.20% APY

Holiday Club Savings . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1.00% APY

Individual Retirement Account IRA)$0.00 to $9,999.99 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.30% APY $10,000.00 to $49,999.99 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.30% to 0.38% APY $50,000.00 and Over . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.38% to 0.50% APY

Share Certificate 6 Month Term (Regular Share Certificates only) . . . . . . 0. % to APY 12 Month Term . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0. % to APY 24 Month Term . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . % to APY 36 Month Term . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1. % to APY 48 Month Term . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1. % to APY 60 Month Term . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1. % to APY

Super Saver Share Certificate Account12 Month Term . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3.00% APY

Personal Loan Product Rates* . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .00% Margin

Personal Loan4,5 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . % APR Tuition Loan4,5 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . % APR

New & Used Vehicle Loan New Vehicle Loan4,5 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1. % APR Used Vehicle Loan4,5 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1. % APR Overdraft Line of Credit5 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8.00% APR Visa Credit Cards6

Visa PLATINUM Credit Card . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9.50% APR Visa PLATINUM PLUS Credit Card7 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5.90% APR

Real Estate Loan Product Rates* Home Equity Line of Credit

Loan-To-Value 80%8,9,10

1-Year Rate Fixed . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1. % APR 3-Year Rate Fixed . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3. % APR 5-Year Rate Fixed . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4. % APR

Loan-To-Value 90%8,9,10

1-Year Rate Fixed . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . % APR 3-Year Rate Fixed . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . % APR

Fixed-Rate Mortgage Loans Loan-To-Value 80%8,10

15-Year Term, No Points . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Call for rates 20-Year Term, No Points . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Call for rates 30-Year Term, No Points . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Call for rates

Loan-To-Value 90% 8,10

15-Year Term, No Points . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Call for rates

*APY is Annual Percentage Yield. Rates current as of 04/01/2019; subject to change. All credit union products & services subject to membership eligibility. All loan products subject to credit review. **Earn one or more of the noted APYs based on each portion of your average daily balance (ADB) that falls within each tier. 1Kids Club Savings accounts are subject to a maximum monthly deposit of $100 and are restricted to primary members under the age of 18 years (after which theaccount will be closed and the balance transferred into their Regular Share account). 2Holiday Club Savings accounts are subject to a maximum monthly deposit of $200. These accounts are subject to a penalty for early withdrawal, which mayresult in forfeiture of accrued dividends. Rates are based on length of membership. Subject to a minimum deposit of $2,500. Super Saver Share Certificate Accounts are subject to a penalty for early withdrawal, which may result in forfeiture of accrued dividends and is subject to a maximum opening deposit of $1,000 and available for a 12-Month term only. Limited to one account per member with a Checking Account including a direct deposit arrangement. Other restrictions may apply. Limited time offer; subject to change or cancellation without notice. ³Shared Secured loans will incur a rate of no more than 1.00 percentage point (what we call a Margin) above the posted Dividend Rate (APY) for the type of Savings or Share Certificate account pledged for collateral. ⁴Lowest available rate for a 3-year term loan on Vehicle Loans and a 1-year term loan on Personal and Tuition Loans including the maxiumum discount available under the MemberRewards Program. Other rates and terms available. ⁵Based on credit standing and length of membership, loan rates may vary up to 17.00% APR for a Tuition Loan or 18.00% APR for all other loans. Vehicle Loan amount maximum for all vehicle loans are based on the value of the vehicle. ⁶Visa PLATINUM and PLATINUM PLUS Credit Cards are subject to underwriting guidelines. Visa PLATINUM PLUS Credit Card’s minimum credit line is $5,000. ⁷5.90% APR introductory rate for a period of six (6) billing cycles. Standard purchase rate is 7.90% APR. ⁸APR's are the lowest available rates including the maximum discount available under the MemberRewards Program (if applicable). For residential, owner-occupied, fee simple properties in the State of Hawaii. Lowest available rate subject to certain conditions. ⁹Current standard rate for 80% is 5.21% APR. Current standard rate for 90% is 6.21% APR. 10Lowest available rate subject to certain conditions.

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2nd Quarter 2019

233 Vineyard StreetHonolulu, Hawaii 96813Phone: (808) 521-0302Toll-Free: (866) 521-0302Fax: (808) 538-3231Monday, Tuesday, Thursday–8:30am to 5:00pm Wednesday–8:30am to 4:00pmFriday–8:30am to 6:00pmSaturday & Sunday–Closed

Hawaii Schools Federal Credit Union

TAX TIP:Direct Deposit Your Tax Return(s)

If you are still preparing your state and federal tax returns let us give you a tip on how you might be able to get

your refund a little faster.

Once you are ready to file, indicate on your tax forms that you would like your state and federal refunds to go into your Hawaii Schools Federal Credit Union account. You will need to provide our routing number: 321379449, and your account number, then select which type of account it is: checking or savings.

It normally takes six (6) to eight (8) weeks to receive your refund check(s) in the mail but filing electronically may lessen the wait significantly. So take advantage of this opportunity and be sure to review the activity on your checking or savings account using our convenient online account access service to see if you receive your refund(s) early.

– NOTICE OF PRIVACY POLICY –

Hawaii Schools Federal Credit Union is committed to protecting the privacy of our members. Under

federal law, we are required to provide our members with our privacy notice. This notice describes Hawaii Schools Federal 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 non-public information from us, as we conduct the business of the credit union.

A copy of our Privacy Policy is available on our website at www.HawaiiSchoolsFCU.org or from our branch office at 233 Vineyard Street, Honolulu, Hawaii. If you would like a copy mailed to you, please call us at 521-0302, then select option 2. Should you have any questions after reading this notice, please feel free to call, or write to:

Vice President of Administration, Hawaii Schools Federal Credit Union,

233 Vineyard Street, Honolulu, HI 96813.

MEMBERREWARDS

P

SILVER GOLD

G

WE HAVE YOUR BEST INTEREST

Our Member Rewards program provides discounts on loan rates and bonus rates on Share and IRA Certificates, based on

how long you’ve been a member.

THE LONGER YOU’VE BEEN A MEMBER, THE GREATER THE REWARDS!

PLATINUMMEMBER OVER 1 YEAR MEMBER OVER 5 YEARS MEMBER OVER 10 YEARS

For more information, call (808) 791-6211

5% OFFFIXED RATE

MORTGAGE LOANS

PERSONAL LOANS

AUTO LOANS

0.10% BONUSON CERTIFICATES

15% OFFFIXED RATE

MORTGAGE LOANS

PERSONAL LOANS

AUTO LOANS

0.30% BONUSON CERTIFICATES

10% OFFFIXED RATE

MORTGAGE LOANS

PERSONAL LOANS

AUTO LOANS

0.20% BONUSON CERTIFICATES

MEMBERREWARDS

P

SILVER GOLD

G

WE HAVE YOUR BEST INTEREST

Our Member Rewards program provides discounts on loan rates and bonus rates on Share and IRA Certificates, based on

how long you’ve been a member.

THE LONGER YOU’VE BEEN A MEMBER, THE GREATER THE REWARDS!

PLATINUMMEMBER OVER 1 YEAR MEMBER OVER 5 YEARS MEMBER OVER 10 YEARS

For more information, call (808) 791-6211

5% OFFFIXED RATE

MORTGAGE LOANS

PERSONAL LOANS

AUTO LOANS

0.10% BONUSON CERTIFICATES

15% OFFFIXED RATE

MORTGAGE LOANS

PERSONAL LOANS

AUTO LOANS

0.30% BONUSON CERTIFICATES

10% OFFFIXED RATE

MORTGAGE LOANS

PERSONAL LOANS

AUTO LOANS

0.20% BONUSON CERTIFICATES

MEMBERREWARDS

P

SILVER GOLD

G

WE HAVE YOUR BEST INTEREST

Our Member Rewards program provides discounts on loan rates and bonus rates on Share and IRA Certificates, based on how

long you’ve been a member.

PLATINUMMEMBER OVER 1 YEAR MEMBER OVER 5 YEARS MEMBER OVER 10 YEARS

5% OFFFIXED RATE

MORTGAGE LOANS

10% OFFPERSONAL

& AUTO LOANS

0.10% BONUSON CERTIFICATES

10% OFFFIXED RATE

MORTGAGE LOANS

20% OFFPERSONAL

& AUTO LOANS

0.20% BONUSON CERTIFICATES

15% OFFFIXED RATE

MORTGAGE LOANS

30% OFFPERSONAL

& AUTO LOANS

0.30% BONUSON CERTIFICATES

THE LONGER YOU’VE BEEN A MEMBER, THE GREATER THE REWARDS!

IT’S OUR

NEW MEMBERSHIP DRIVE

We believe the best advertising is a referral from an existing member, so we ask for your support to

refer your friends, relatives, or associates to come and join Hawaii Schools Federal Credit Union during our membership drive from April 1st thru June 30th!

As a part of our membership drive, new members will get to spin our bonus wheel and get either a $25, $50, or $100 deposit instantly added to their new account at the time of opening! There’s no catch. It’s just our way of saying THANK YOU and welcoming your referrals to our credit union family.

It just takes $25 to open a new primary share savings account, and just 1-year after they have enjoyed our already competitive rates and low or no service fees they will immediately be able to start taking advantage of our MEMBERREWARDS program discounts on any fixed rate (Mortgage, Personal, and Auto) loans, and receive bonuses on share certificates. The longer they are members the better it gets!

It would also be a great way to start teaching your children, grandchildren, nieces, nephews, or any young students the value of saving, and they can reap the benefits of the MEMBERREWARDS program in the

Limited time offer. Must qualify for membership. Cash award will be reported on a 1099-INT.

You deserve a reward with no strings attached. Members get a $100 cash reward for every new line

activated with Sprint®, now on unlimited lines! Yep, it really is that simple.

Here’s how to get cash rewards for every new line you activate with Sprint:

1. Add a line to your new or existing Sprint account and mention that you’re a credit union member. 2. Register at LoveMyCreditUnion.org/SprintRewards 3. Cash rewards will be deposited directly into your credit union account within six to eight weeks.

Already a Sprint customer?Register now to receive a $100 loyalty cash reward every

year starting one year after registration.

Get cash rewards!Visit LoveMyCreditUnion.org/Melvin to learn more.

HAWAII SCHOOLS FEDERALCREDIT UNION MEMBERS:

IT’S TIME TO CUT THE STRINGS.

[CREDIT UNION] members: It’s time to cut the strings.

You deserve a reward with no strings attached. Members get a $100 cash reward for every new

line activated with Sprint®, now on unlimited lines! Yep, it really is that simple.

Here’s how to get cash rewards for every new line you activate with Sprint:

1. Add a line to your new or existing Sprint account and mention that you’re a credit union member.

2. Register at LoveMyCreditUnion.org/SprintRewards 3. Cash rewards will be deposited directly into your credit union account

within six to eight weeks.

Already a Sprint customer? Register now to receive a $100 loyalty cash reward every year starting one year after registration. Get cash rewards! Visit LoveMyCreditUnion.org/Melvin to learn more.

coming years. If you can start off a child with a new account in kindergarten, they will be become a Platinum member in high school! Help us grow our family and encourage new members to start down the road towards MEMBERREWARDS at Hawaii Schools FCU where we have your best interest.