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Hickam FCU
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the entire Ewa District
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Independence Day
Friday, July 4, 2008

Labor Day
Monday, Sept. 1, 2008



Equal Housing Lender and NCUA


Click here to become an AutoSMART shopper.

Great Certificate Rates!

18-Month Advantage Certificate Special
3.25% APY*

$5,000 Minimum Deposit (New Money)
Additional deposits of $1,000 minimum (new money) allowed. The total of additional deposits within the 18-month term may not exceed the opening deposit amount. A one time rate change (matching the corresponding 18-month Principal Plus Certificate rate) will be allowed within the certificate term.

36-Month Certificate
4.00% APY*

$500 Minimum Deposit

Higher rates available for deposits of $100,000 or more.
Contact the credit union for more details about
these limited time offer certificate specials.
Click here to see our other competitively high deposit rates.


*Annual Percentage Yield effective June 12, 2008. An early withdrawal penalty may be imposed if
withdrawal occurs before maturity. Program and rates subject to change without notice.


No or Low Closing Costs**

Home Equity Line of Credit
4.99% APR*

Up to 100% Loan-to-value financing.
Appraisals not required.***


*Annual Percentage Rate (APR) applies to the owner-occupied HELOC. APR is the current standard variable indexed rate as of 3/1/08 and may vary annually, but will not exceed 18%. Minimum and maximum line amounts are $10,000 and $200,000, respectively. Property must be fee simple and be located in Hawaii. All loans subject to approval. Certain restrictions may apply. Rates, terms and conditions are subject to change without notice. **Closing costs may range from $0-$250 depending upon credit limit and the amount of initial advance. Any closing cost paid by the credit union will be reimbursed, should the account be closed within two years. Any amount owed can be added to the principal balance.***Your most current real property tax assessment or current appraisal may be accepted. Appraisal costs, trust reviews and other third party fees may apply.



Hickam FCU and CUDL Makes Your Auto Buying Experience Easy!


Hickam FCU and Credit Union Direct Lending (CUDL) have combined resources to make your auto buying experience quick, easy and convenient! Simply click on the AutoSMART link above and start auto shopping!


Hickam FCU and Credit Union Direct Lending (CUDL). It's like having a Hickam FCU loan officer right at the auto dealership ready to help you with your next car purchase.


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