2023 1st Quarter Newsletter

Jan 6, 2023



The hickam difference. We can make it better, together


President’s Message

2023 spelled out on wooden blocks

2022 had its share of ups and downs. Through it all, one thing stood out – the willingness of Hickam FCU’s Ohana to make it better, together.  

Rising interest rates, new COVID-19 variants, and inflation among other challenges impacted our credit union, members, and staff. However, I am proud to reflect on how our credit union persevered through these unstable times. We had the pleasure of receiving and reading over 500 member stories in 2022. It brings us joy to hear the many ways our team assisted members with their financial needs. We are also proud to have had two more staff achieve their Certified Credit Union Financial Counselors (CCUFC) designation.
Additionally in the past year, we formed a partnership with Island Wealth Management to offer members alternate ways to manage their finances. Members can schedule an appointment to meet with a designated representative at our Pearlridge Branch. 
Beyond our walls, we were happy to continue supporting our communities. We want to thank our staff for volunteering at the Sustainable Coastlines Hawai‘i Earth Day Beach Clean-Up and for dedicating help towards Aloha United Way. We also want to thank members and staff for contributing to our Hawai‘i Foodbank, Children’s Miracle Network, and Hickam First Sergeants Angel Tree campaigns.
In 2022, we are grateful to have been recognized as a Best Place to Work by Hawaii Business Magazine for the 3rd year in a row. We are also humbled to be recognized by Forbes Magazine as the #1 credit union in Hawaii. Thank you to our members, Board of Directors, and staff for elevating Hickam FCU.
As we face 2023, please be assured that we will continue to work hard for you. We are excited to introduce new products and services to help our members meet their financial needs. From all of us at Hickam FCU, we wish you and your family a healthy and safe new year.
Scott Kaulukukui, President/CEO of Hickam FCU

Scott Kaulukukui

Hickam FCU President/CEO

Notice of 86th Annual Meeting

The 86th Hickam FCU Annual Meeting will be held Monday, March 6, 2023 at the Pearl City Branch. Registration will begin at 4:00 p.m. with the meeting to be conducted promptly at 4:30 p.m. Precautions to stem the spread of COVID-19, will be in place. Several offices will be set up with limited capacity for safety and remote access to the meeting. No refreshments will be served. To RSVP to attend the Annual Meeting please contact our Call Center at 808-423-1391.

Member Appreciation Celebration

To celebrate 86 years of Hickam FCU, we are awarding $8,600 in prizes for our Annual Member Celebration. The entry period begins on January 10, 2023 and runs until March 10, 2023.

Additionally, visit our branches beginning March 6, 2023 to receive a member appreciation gift and treat while supplies last.

2023 Scholarship Program

Accepting applications for the 2023 Hickam FCU College Scholarship Program January 9 - March 15, 2023

Hickam Federal Credit Union is committed to supporting our student members. That’s why Hickam FCU is proud to continue our College Scholarship Program to help our members advance their education and achieve their dreams.

The 2023 Hickam FCU College Scholarship Program will award five (5) $1,000 scholarships to deserving graduating high school seniors attending an accredited 2 or 4-year institution of higher learning, or undergraduate or graduate students pursuing a higher degree from an accredited institution.

Primary members with their own Hickam FCU Savings Account in good standing for a minimum of 12 consecutive months prior to the application deadline may apply. Scholarship recipients will be selected based on academics, leadership, school/community service, merit, recommendations, and financial need.

Applications will be available starting January 9, 2023 at all Hickam FCU branch locations or download a PDF scholarship application and print it. Applications must be postmarked by March 15, 2023 to be eligible. For more information call our Call Center at 808-423-1391 or visit a branch.
Download the application here

30-Year Mortgages

A couple sitting on the floor amidst boxes and furniture

Hickam FCU now offers 30-Year Conforming and 30-Year Jumbo mortgages. Want to take the next step in your homeownership journey? Reach out to our Loans team to see how Hickam FCU can help. Please call 808-432-9888 or visit www.hickamfcu.org/mortgages

TurboTax® and H&R Block® Special

Tax Solutions and Savings for Members Save Now

Take the stress out of tax season. Hickam FCU members can enjoy a special discount on TurboTax or H&R Block.

Making the Community Better, Together.

Children's Miracle Network Fundraiser

Scott Kaulukukui poses with Colette Forcier of Kapi'olani Children's Miracle Network and a staff member with donation check

Thank you to all who supported our Children’s Miracle Network Fundraiser in November 2022. Together, we raised $3,000 to support Kapi‘olani Children’s Miracle Network. The fundraiser was part of the Hawaii Credit Union League’s efforts to raise funds for a breast ultrasound machine in honor of the late Martha Smith. Mahalo to all who contributed to this cause!

Angel Tree Campaign

Scott Kaulukukui, Hickam FCU President/CEO poses with the Hawaii Air Force First Sergeants for Angel Tree

We were proud to partner with the Hawaii Air Force First Sergeants for another year of Angel Tree. With your help, we were able to gather gifts for 137 children in need. Keiki ranging from infants to teenagers received gifts like Squishmallows, creative science kits, dinosaurs, stuffed animals, and more. Mahalo for your support!

New Year's Resolutions for Preventing Fraud

Notebook with text

Resolve to keep your finances and identity safe this year (and every year)! Here are some resolutions to inspire you.


I resolve to store my passwords securely.

Ditch the phone notes, Google Drive documents, and other unsecured platforms. Find a trustworthy password manager program to store your login credentials. Most times, these programs will generate complicated passwords and autofill your login information for you. Talk about safety AND convenience!


I resolve to check my statements.

Watch out for any suspicious transactions on your accounts by checking your statements. Enroll in Hickam FCU Online and Mobile Banking to keep an eye out for your accounts on the go. Use eStatements for easy viewing of your quarterly or monthly statements.


I resolve to check my credit report periodically.

One way to watch out for signs of identity theft is by checking your credit report. If you are enrolled in Hickam FCU Online Banking, you have access to our Credit Sense tool that monitors your credit for you. It will also provide you with suggestions for improving your credit.


I resolve to not overshare on social media.

Think twice about posting any personal information online. Things as simple as your favorite color or pet's name can lead criminals to guess your passwords and security questions. As a best practice, avoid posting online while you are out of town. You don’t want potential thieves to know if your home is vacant.


I resolve to be cautious of scams.

If it sounds too good to be true, it might just be a scam. Be wary of opportunities online that claim to help you make money fast. Never wire money or provide account numbers to strangers online. When making online payments, always check if the website is secure and legitimate.