Membership Field E x pa n s i o n Holiday Closings ain ...

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THE BEACON

Maui County Federal Credit Union

July 2010

NOW OPEN!

Our newest branch at Maui Marketplace is now open!

Come in and conduct any type of transaction at our new location and receive a FREE GIFT during the month of July (while supplies last)! Stop by to meet our staff

and say hello, we look forward to serving you at our new location.

Operations

Jae

BMueynraafSea, kOapi,eBraratinocnhs

Manager Manager

and

Entire Staff at the Maui Marketplace Branch

Loan Department

StaffNews

Welcome!

We are pleased to welcome Wes Higuchi, Chief Lending Officer, to our Credit Union Ohana. Wes comes to Maui County FCU with over 20 years of financial experience.

Please stop by and say hello to our newest Member Service Representatives, Marisa Taketa, Sanoe Elf, Kristen Naylor and Mary Cris Paa. We are happy to have them on our team!

Your Credit Union

At Your Fingertips

Most of our members are aware of the

convenience of online banking, but did

you know that you can now access

your Credit Union accounts using your

phone too? All you need is a cell

phone with internet access, and

you have instant access to all your

Mobile

account information.

B a n k i n g : Managing your Credit Union

accounts has never been easier

and more convenient than with Maui

County Federal Credit Union's free,

secure, real-time connection to your

accounts with Mobile Banking. Give us a

call or stop by to start taking advantage of

the convenience of Mobile Banking today!

Congratulations!

Congratulations to Lisa Keene, who was promoted to Consumer Loan Manager, to Bobbie

As spring cleaning gets under way, the Maui Lions are asking people to look through dresser drawers and closets for used eyeglasses and donate them to the Lions Recycle For Sight program.

Pagay, Marketing Specialist (25 years) and Myron Sakamoto, Chief Operations Officer (10 years), as we celebrate their many years of

The poor eyesight of more than 157 million people* without access to eye care could easily be corrected with used ? yet usable ? eyeglasses. The lack of eyeglasses denies children and adults the opportunities for education, employment and a better quality of life.

service and dedication to Maui County FCU!

During the month of July, the Maui Lions Club will be collecting used prescription eyeglasses and prescription and non-prescription sunglasses as part of a unique recycling program. The collected glasses will be cleaned and prepared for distribution in developing countries where eye care is often unaffordable and inaccessible.

Youth Corner *World Health Organization Statistics. mWahdaet ios mfoanneyyway?

Ever heard the phrase, "I'm not made of money"? Just what are

the materials that make money? Actually, money is composed of a couple different materials, and no, one of them is NOT paper!

Fun Brain Teasers

n Notes (paper currency) are composed of 25 percent linen and 75 percent cotton.

1. You are in a dark room with a candle, a wood stove and a gas lamp. You only have one

n Coins are made up of copper and another element, like

match, so what do you light first?

zinc or nickel.

2. Can you name four days that start

For more fun money facts, get mom or dad's

with the letter "T"?

permission to visit .

Answers: 1.The match, 2. Tuesday, Thursday, today, and tomorrow

This free and anonymous service will help bring your debt into focus. After answering a few questions about your income and current debts, a simple financial analysis will provide a wealth of information on debt to income ratios, debt payment schedules and suggested personal action strategies to help you keep your finances moving forward.

This service is completely anonymous. We do not ask for your name, social security number, email address, physical address or any other identifiable information. The information we collect about your income and current debts can not and will not be used to identify you.

To get started today visit .

You Shop. You Earn. You Choose!

Now you don't have to use a credit card to get rewards. You can choose to use your Maui County Federal Credit Union VISA Check Card and earn exciting reward points quickly and easily.

l Earn 1 point per $2 every time you use your card and sign for purchases.

l Plus, you'll earn additional points when you shop at retailers participating in the program.

Use your VISA Check Card in-store or online ? at the gas station or at the grocery store ? at home or on vacation. Then use your points to choose from millions of items including merchandise, travel experiences, event tickets and much more!

Don't have our VISA Check Card yet? Just open a Checking Account and we will supply one free of charge (debit card subject to approval). Stop by the Credit Union or give us a call to learn more.

Capture A Moment In Time With...

A Free 8 x10 Portrait!

Preserve your precious memories with a professional 8 x 10 portrait by Cox Photography. This limited time offer is available on the following dates: August 20 ? 22, 2010 August 27 ? 29, 2010 September 3 ? 5, 2010 September 10 ? 12, 2010 ? Includes sitting for up to

12 people ? Several poses to choose from ? Convenient location and

appointment times ? Multiple backgrounds

available ? All digital and state-of-the-art lighting

To secure your FREE GIFT, call 244-7968 today! A portrait certificate must be picked up

at the Credit Union prior to your picture-taking session.

Mahalo from Maui County FCU!

Events And Activities

JULY Visit our new Maui Marketplace branch and conduct a transaction during the month of July, and you will receive a FREE gift (while supplies last)!

AUGUST Join us for a FREE seminar on Thursday, August 5th at Maui County FCU ? Wailuku Office at 6pm. Anthony "Tony" Krieg of Hale Makua will be hosting "Planning For Long-Term Care". Call us at 244-7968 to reserve your space today!

Main Office

1888 Wili Pa Loop Wailuku, HI 96793-1272

Monday - Friday 8:30 a.m. - 4:30 p.m.

Kahului Branch (Maui Marketplace)

270 Dairy Road, Suite 146 Kahului, HI 96732

Monday - Friday 8:30 a.m. - 4:30 p.m. Saturday 8:30 a.m. - 12:30 p.m.

(808) 244-7968 ? Fax (808) 242-1690 (800) 783-6597 (Neighbor islands) Teller Tone Service (800) 285-2932

Board of Directors

Donald Terada, Chairman Edwin Okubo, Vice Chairman Wesley Wong Jr., Secretary/Treasurer Frederico Asuncion, Director

Tom Hiranaga, Director Karen T. Oura, Director Clifford Zane, Director

Supervisory Committee

Garrett K.K. Goo ? Lyle S. Kobashigawa Patrick L. Ing ? Robert S. Kawahara Ty Yoshimi

Management

Gary Fukuroku, President/CEO Ray Pascua, Chief Lending Officer Wes Higuchi, Chief Lending Officer

Regan Ohira, Loan Manager Lisa Keene, Consumer Loan Manager Myron Sakamoto, Chief Operations Officer Robyn Yamashita, Director of Branch Operations Desiree Toda, Operations Manager Jersom Buenafe, Operations Manager Kahului Branch Myra Sakai, Branch Manager Kahului Branch Cathy Nakamura, Chief Financial Officer Barbara Pagay, Marketing Specialist

Membership Field E x pa n s i o n

We are proud to announce that three

new Select Employer Groups (SEGs)

were added to our field of member-

ship. Please join us in welcoming the

Holiday Closings

independence Day Monday, July 5 Observed

LABOR Day Monday, September 6

employees and family members of:

Fred Loesberg, Architect Maui Built Maui Wave

Loan Rates

Effective June 1, 2010 *APR = Annual Percentage Rate

AUTO LOANS New Autos as low as....... 4.50% APR* Used Autos as low as...... 5.00% APR*

*The rate stated is based on an evaluation of applicant credit, auto payment and loan & collateral protection.

Dividend Yields

APY = Annual Percentage Yield

Regular Share Account............................ .50% APY

Christmas Club Account*.......................... .50% APY

IRA Share Account Traditional, ROTH, & Coverdell ESA Call for current rates

Personal LOANS As low as........................ 7.50% APR*

*The rate stated is based on an evaluation of applicant credit and auto payment.

REAL ESTATE LOANS Home Equity Line-of-Credit A wide variety of 1st & 2nd Mortgages

Call for current rates.

SHARE SECURED LOANS As low as........................ 2.50% APR*

Share Draft Account........... 0.25% APY

Share Certificates 6-, 12-, 24- and 36-Month terms Call for current rates

CONSOLIDATION LOANS As low as...................... 11.50% APR*

*The rate stated is based on an evaluation of applicant credit and auto payment.

All yields are as of 6/1/10, are expressed as Annual Percentage Yields (APY) and are subject to change without notice. The APY is calculated based on a $2,500 balance. Dividends are accrued monthly and credited to your account on the last day of each month.

All rates are as of 6/1/10, and are expressed as Annual Percentage Rates (APR) and are subject to change without notice.

please call the credit

*Dividends for Christmas Club Accounts are credited to your account annually on 10/31.

union at 244-7968 or (800) 783-6597 for current

rate information or if

MCFCU C -U heck

you have questions

p

May '10

May '09

Difference % Change

Members Total Shares Total Loans Total Assets

14,000 $221,199,029 $187,082,656 $249,303,671

13,551 $207,026,455 $183,446,648 $233,920,915

449 $14,172,574

$3,636,008 $15,382,756

3.31% 6.85% 1.98% 6.58%

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