Got debts? We have ways to help you get rid of that four-letter word–debt. Or at least learn how to minimize it. Use our online Anytime Advisor! It’s the free, easy, interactive way to get all the answers to your financial questions about debt. The Credit Management Coach will help you set goals, reduce spending, avoid those impulse purchases, improve your credit rating and much more.

For example:

• A tally sheet to record your expenditures and identify unnecessary costs;
• A goals worksheet to list and rank your goals, then identify how much to save per week to reach those goals;
• A calculator to help you determine your net worth;
• A credit card comparison worksheet to help you compare features and benefits and find the right credit card for you;
• Interactive quizzes to help you practice your skills along the way; and
• Resources for credit counseling.

To take this tutorial, click on Credit Management Coach at https://www.hicommfcu.com/services/anytime_adviser.html.
Or click on any of the Anytime Advisor Coaches, accept the external links disclaimer and a tutorial will automatically open and run on the subject of your choice.

The counterpart to the bank’s FDIC program, the National Credit Union Share Insurance Fund (NCUSIF), is a fund maintained by the U.S. Treasury. It is administered by the National Credit Union Administration, an agency of the federal government. This means your savings in your credit union are federally insured up to at least $250,000. This includes:

• Share savings
• Share draft/checking
• Money Manager account
• Share certificate (credit union equivalent of a CD)
• Trust fund and retirement accounts

Please note that funds in a federally insured credit union can be insured to a level much higher than $250,000, depending on how you establish your accounts. (Ask at any branch for more information.)

Times may be a little tough right now, but rest assured, your money is safe with us. After all, we’ve had a lot of practice with hard times. Your credit union was founded in Depression-era 1936, surviving with strength. And that’s why Hawaii Community Federal Credit Union – backed by the NCUA – is the safest place for your money.

For your protection, and due to our need to comply with federal guidelines, please be prepared to:

• Provide photo ID for all in-branch transactions
• Create passwords on accounts
• Provide verbal proof of ID for all phone-in transactions

Remember: Review your statements carefully (or online where real-time transactions are visible). Notify us immediately of any unusual activity.