ICU Day 2015

2015 ICU Day FB postSince 1948, International Credit Union (ICU) Day has been celebrated on every third Thursday in October. It is a day designated to reflect on the credit union movement’s history and to recognize its achievements over the years. The ultimate goal of this special day is to raise awareness to the community about the outstanding work credit unions provide to their members.

This year’s ICU Day will be celebrated on Thursday, October 15, 2015 and the motto is “People helping people.” In appreciation of their loyal membership, HiTel members may stop any of our branch locations: King Street (Kalihi), Fort Street (Downtown), Kaimuki, Kapolei, Kunia, Mililani, Sheraton, or Wheeler to receive for a small gift. We look forward to seeing you!

Hele Mai You Belong!

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School Tools 2013

On Sunday, June 30, 2013, Hawaiian Tel Federal Credit Union employee’s joined KITV’s staff and volunteers to collect  “School Tools” at Sam’s Club in Pearl Highlands for Hawaii’s keiki’s. Our staff arrived with a van full of donations that our members generously donated to our 7 branches. This year our members and staff came through with bags, boxes, and armload of supplies.

“School Tool” donations were being taken at both town and Pearl City Sam’s Club locations. Together, both locations collected seven pallets of school supplies and over $7,000.00 in monetary donations.   The generous donations received from our generous friends and neighbors in Hawaii, will provide 1,755 low income children with school supply kits for this upcoming 2013 – 2014 year!

Our mascots, Yoko and Kalea, also made a special appearance to greet club members and their families!  Balloons and candy were given to the donors to thank them for their generosity.  Both Yoko and Kalea enjoyed taking pictures with the keiki and receiving warm hugs.

Again, we would like to thank everyone who donated, because “you” have made a difference in the lives of Hawaii’s keiki!

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Teaching Children About Money

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Everyone needs to understand money, where it comes from, how to spend it wisely, and how to save and invest for the future. Too many parents don’t take time to teach their children about the value of money, and unfortunately, many of those children grow up to be adults who struggle with money
management skills.

What age should parents begin educating their children about money? Financial experts agree that it’s never too early. The more children learn about money, the more they will be able to make wise financial decisions as they grow older.

Parents can begin teaching young children how to count money. Practice playing simple games that children will enjoy. For example, place a nickel on the left side of the table, and on the right side, place five pennies. Children are very quick to learn new games, and if you continue this strategy using dimes, quarters, half dollars, etc., before you know it, the will have mastered the art of not only counting money, but understanding its value as well.

Next, you can teach the value of saving. Once they learn that saving is a good idea and that it is something they should always do, their financial future will be brighter. Let’s say your child wants a new bicycle. You can teach them to save part of their allowance for that bike, while still keeping some money available for ice cream, or for going to the movies with their friends. That way they will begin to understand the value of both short-term saving and long-term saving.

It’s never too early, also, to teach your child different ways to make money. For example, they can mow lawns, rake leaves, shovel snow, and clean out the garage or basement, tec. Sit down with your child and brainstorm with them on some ways they would like to earn money. You’ll be surprised and delighted at the effort they will begin making.

Help your children chart their financial course in life. Teach them basic money management skills and their future will be brighter.

Your Credit Score

Do you know your credit score? Do you know how your score is generated? Do you know how to improve your credit score?

Well your credit score is a numerical value placed on your credit worthiness based on time at employment; payment history; credit inquires; percentage of available credit and other such like factors. Typically a score 700 and above is a “no” to low risk borrower and 500 and below is a red flag – a high risk borrower. It is possible to improve your credit score, however it is a process and can be done overtime.To learn what your credit score is, review your credit report. You can get a free credit report from each of the three nationwide consumers every 12 months.Visit annualcreditreport.com. From this site you are able to get a free report under the federal law. If you visit other sites they may offer you a free report but may charge you for another item if you accept. With this report you will be able to see where you financially stand. If you need help in understanding your report, please do not hesitate to call us.

Hawaiian Tel Federal Credit Union – you’ll always rate better here.
Hele mai, you belong.