Trade Wind FALL 2014 “Neighbors Helping Neighbors” Share the benefits of membership • Savings • Checking • Loans • Credit Cards • HELOCs • • Online/Mobile Transactions • ATMs • If they live, work, worship or attend school on the Windward side From Makapu’u Point to Chinaman’s Hat, they can join! Refer an eligible relative, friend, or co-worker and receive $5 To your Regular Share Account Simply complete the referral card & have the eligible person Submit it with his/her new membership application. Offer expires 10/31/2014 October 16, 2014 Join us for refreshments at our branches Soon, visitors to our website will notice a refreshed look. The address is still the same www.wcfcuhawaii.org and the navigation should be easier. Additional enhancements include pages for young adults and military personnel. New member applications, switch instructions and loan applications are readily available. Drive Down Your Rate! RateWATCH Loan Rates (Effective September 01, 2014) Type APR* Visit any one of the dealers listed below and finance your new or used auto with us. Choose your scratch card at the dealer and take your chance on discounts of 0.25%, 0.50%, 0.75% off our standard rates* Personal-12 Months As low as 3.25% 36 Months As low as 4.50% 48 Months As low as 5.00% 60 Months As low as 5.50% *On approved credit. Rates based on term & credit score. New Auto-60 Months As low as 2.25% Promotion period: 9/1/2014 to 10/31/14 72 Months As low as 3.25% 84 Months As low as 4.00% Used Auto-60 Months As low as 3.00% Motorcycle-36 Months As low as 4.00% Overdraft Protection Up to $5,000 9.90% Windy Credit Line Up to $5,000 9.90% Home Equity LOC Up to $375,000 2.99% Fixed for 3 Years++ Mortgages First Mortgage Market rate VISA Credit Card Classic Card - Up to $5,000 Platinum Card - Up to $15,000 12.90% 8.90%^ All loans are subject to credit approval. Rates subject to change. Call for the most current rates and terms. ++Restrictions Apply. *APR- Annual Percentage Rate ^Variable, Based on WSJ Index Savings Rates (Effective July 1, 2014) Type APY* Regular Shares - $100+ 0.15% Share Drafts - $1,000+ 0.05% Share Drafts - $20,000+ 0.10% Christmas/Vacation - $100+ 0.15% IRA Regular Shares - $100+ 0.50% Money Market $2,500+ 0 .15% - 0.35% The rates above are the proposed 4th quarter dividend rates. Please call our Windy Phone 791-4626 or 1-800-974-9328 for the most current rates. *APY - Annual Percentage Yield Federally Insured by NCUA Aloha Kia Leeward Autoland Automart USA Auto X-change Inc Bayview Auto Car Shop Choice Automotive Cutter Chevrolet Cutter Chrysler, Jeep, Dodge, Ram Cutter Mazda Excellent Auto Honda Windward Honolulu Ford Island Auto Exchange JN Chevrolet Mazda King Windward Nissan Max Motors M&G Automotive Montgomery Powersports New City Nissan Tony Group Autoplex Top Value Auto Windward Ford The Holidays Are Just Around The Corner... Visit any one of our branches between November 21st and December 24th to receive your free holiday card money holders. **while supplies last** No Office Hours Monday, October 13th Columbus day Tuesday, November 11th Veterans' Day Thursday, November 27th Thanksgiving Day Thursday, December 25th Christmas Day Main Office 6699 Mokapu Rd., MCBH Kailua Hawaii 96734 Kailua 151Hekili Street Suite 101 Kailua, Hawaii 96734 Kaneohe Branch 45-480 Kaneohe Bay Drive, Suite 1AE2 Kaneohe, Hawaii 96744 Phone (808) 254-3566 Phone (808) 262-1239 Phone (808) 247-8555 Hours: Mon.- Fri.: 9 am-5 pm Drive Through Mon.-Fri. 9 am-5 pm Sat.: 9 am-1pm Hours: Mon.-Thur.: 9 am-5 pm Fri.: 9 am-6 pm Sat.: 9 am-1pm Hours: Mon.-Thur.: 9 am-5 pm Fri.: 9 am-6 pm Sat.: 9 am-1 pm Website www.wcfcuhawaii.org Email wcfcu@wcfcuhawaii.org Windy Phone 24 Hour Access: 791-4626 or (800) 974-9328