Hickam Federal Credit Union

Products And Services

• Checking Account

  One of the better checking products available is the Hickam FCU dividend-earning* Checking Account with a range of features to meet your needs. No minimum balance. No monthly service charge. Unlimited check-writing privileges on available funds. Surcharge-free access at any Hickam FCU-owned ATM. Up to 6 surcharge-free transactions per calendar month at any First Hawaiian Bank ATM and at over 25,000 CO-OP ATMs ($2 charge for every withdrawal thereafter for the month). Free MyFace Hoku CheckCard. It's a Debit Card and an ATM card with your portrait as a security feature. Free Online Banking and Bill Payment. Free Audio Response, a 24/7 automated, telephone teller service. Overdraft Protection Line of Credit available to qualifying members with limits of $300 to $5,000. Overdraft Privilege, a discretionary overdraft service that pays overdrafts for ATM and everyday Debit Card transactions. *Dividends are calculated on the Daily Balance method and paid monthly.

  Link: Checking Account

• Hickam FCU Debit Card

  The Hickam FCU Debit Card offers the latest security features that makes your purchasing needs and access to cash convenient and safe. No annual fee. The convenience of a debit card with the added feature of an ATM card as well. Easier than writing a check with purchases deducted directly from your checking account. Withdraw cash and transfer funds at over 25,000 ATMs throughout the mainland and Hawaii. * The first order for each member will be free. Any additional orders will be charged the Replacement Card Fee as noted in the Schedule of Fees. Existing cardholders will be issued a new card number. Card Valet Logo Manage your Hickam FCU Debit Card account and protect yourself from fraud all from your smartphone or mobile device. With CardValet, cardholders can monitor and control account transactions 24/7 by enabling customized settings and alert functions. Set transaction amount limits. Set spending limits for general use or thresholds for different merchants such gas, restaurants, grocery, or retail stores. Set location controls to limit transactions to within a certain geographic area. On and Off controls to allow or block transactions in accordance to your usage or in the case card is lost or stolen. Monitor and control transactions for dependents. Receive real time alerts for unusual transactions. Review balances and recent card transactions. Download the free CardValet app from the Apple® App Store or Google Play™ store then manage your Hickam FCU Debit Card on your terms. Download the free CardValet app from the Apple® App Store or Google Play™ store then manage your Hickam FCU Debit Card on your terms. Download CardValet App on App Store Get CardValet App on Google Play

  Link: Hickam FCU Debit Card

• Mobile Wallet

  Mobile Wallet allows you to load your Hickam FCU Debit Card onto your mobile device and easily tap and pay at participating merchants. Mobile Wallet offers increased security and is safer than carrying cards or cash. And because the information stored in your Mobile Wallet is encrypted, your card information is not accessible by others. Getting started using Mobile Wallet is easy! Apple® Users Launch the Apple Pay® wallet app on your device Tap the “+” symbol to add your Hickam FCU Debit Card Scan your DebitCard with the rear-facing camera or enter the card information manually Verify the information entered is correct Mobile Wallet setup is complete! Please read the Terms & Conditions and press “Accept” before using the Mobile Wallet service. For security purposes, you may be required to authenticate your identity by following a verification process by phone in order to complete the setup process. Be sure to have your current contact number on file with the credit union. If identity authentication is required you must call using the phone that is on file with the credit union. Compatible Apple Devices iPhone® 6 including Plus and newer models iPad® (5th gen), iPad Pro®, or iPad Air® 2, iPad Mini® 3 and newer models Apple Watch® Series 1 and newer models MacBook Pro® with Touch ID, or a Mac® model introduced in 2012 paired with an Apple Pay – enable iPhone/Apple Watch How to Check Out Using Apple Pay You may use Apple Pay at participating in-store merchants who utilize contactless terminals and accept digital payments via Apple Pay. Wake up your phone Get ready to pay and select your card Place your device above the terminal Your device will confirm if payment is successful. If you are prompted and select Debit, you will need to enter your card’s PIN number. A signature may be required for certain merchants or purchase amounts. Android™ Users Download the free Masterpass by Mastercard® app on Google Play™ Follow the steps to sign up to create an account or sign in if you already have an account. Tap the “+” symbol to add your Hickam FCU Debit Card Scan your DebitCard with the rear-facing camera or enter the card information manually Verify the information entered is correct Mobile Wallet setup is complete! Please read the Terms & Conditions and press “Accept” before using the Mobile Wallet service. For security purposes, you may be required to authenticate your identity by following a verification process by phone in order to complete the setup process. Be sure to have your current contact number on file with the credit union. If identity authentication is required you must call using the phone that is on file with the credit union. Compatible Android Devices Smartphones with Android 4.4 and higher Merchant apps that have integrated with the Masterpass acceptance network How to Check Out Using Masterpass You may use Masterpass at participating in-store merchants who utilize contactless terminals and accept digital payments via Masterpass. Unlock your device and hold it above the terminal Enter the 4-digit PIN Wait for the check mark to indicate the transaction was successful. Masterpass also let’s you save time while making online and in-app purchases too! Skip the hassle of completing online check out forms, entering shipping addresses and payment information. Load all your payment information to your Masterpass account and you’re done. It’s that easy ─ just click the Masterpass button at check out, sign in to your account and your transaction is complete. Have more questions? Check out our Mobile Wallet FAQ page!

  Link: Mobile Wallet

• Savings Account

  Hickam FCU has a variety of savings account choices that pays competitively higher dividends to meet your financial goals whether it’s saving for retirement, a family vacation, children’s education, or simply to save more. Regular Savings A minimum deposit of $5 (per person) is all it takes to open a Regular Savings Account. Hickam FCU ATM card available for Regular Savings Account only (no Checking Account).

• Money Market Account

  A Money Market Account offers you the best of both worlds with competitively higher-yielding dividend rates for higher savings balances and quick access to your funds. Minimum opening deposit is $0. Minimum Daily Balance of $5000 required to earn dividends. Multiple savings tiers to earn you more. Additional deposits allowed at any time.

  Link: Money Market Account

• Certificates

  Receive higher rates than regular savings by depositing your money for set terms ranging from six months to sixty months. There are two types of Certificates* available to members: Principal Plus Certificates allows you to reinvest all dividends earned, compounding your principal balance faster. Dividend Access Certificates allows you to access all dividends earned without penalties. At the end of each month, dividends are automatically transferred to your Savings Account. Certificate Features: A minimum deposit of $500 allows you to open the certificate term of your choice. Terms are 6, 12, 18, 24, 30, 36, and 60 months. Higher yields are available for certificates of $100,000 or more. IRA Certificates are also available in 12, 24, 36, and 60 month terms. *Certificates are subject to Hickam FCU penalties upon early withdrawal. Please see Hickam FCU Truth-in-Savings Disclosure for details.

  Link: Certificates

• Individual Retirement Account (IRA)

  Hickam Federal Credit Union offers a wide range of IRA products that will help make you achieve your retirement plans and goals. No minimum balance is required for all IRA Savings Accounts. No monthly fees. Contributions may be made in "lump sums" or by regular deposits to the IRA Savings Account throughout the year. Dividends are paid monthly. IRA Certificates are also available with a minimum deposit of $500 and terms of 12, 24 and 36 months Traditional IRA A traditional IRA is an account that allows you to defer taxes on your earnings until they are withdrawn. Also, certain contributions may be tax deductible in the year they are made. Check with your tax preparer for deductibility. Roth IRA The Roth IRA is an account that features tax-free withdrawals for certain distribution reasons after a five-year holding period. Since Roth IRA contributions are nondeductible and taxed in the year they are earned, members who expect to be in a higher tax bracket when they retire may benefit more from a Roth IRA than from a Traditional IRA. Unlike the Traditional IRA, there is no requirement to begin taking distributions at age 70 1/2. Coverdell Educational Savings Account The Coverdell Educational Savings Account is an account that features tax-free withdrawals for a child's higher education expenses. Contributions are nondeductible, therefore unlike the Traditional IRA, distributions from an Coverdell Educational Savings Account are penalty free and tax-free. Consult your tax adviser for further information. IRA Certificates Earn higher dividends with an IRA Certificate*. IRA Certificates are available with a minimum deposit of $500. *IRA Certificates are subject to Hickam FCU penalties upon early withdrawal. Please see Hickam FCU Truth-in-Savings Disclosure for details.

  Link: Individual Retirement Account (IRA)

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  Youth Savings Account

  MoneyMights Youth Savings (12 & under) Here are the money-saving benefits for a MoneyMight$ saver: A minimum deposit of $5 (per person) is all it takes to open a MoneyMight$ Youth Savings. A statement is sent every three months showing how much you have saved. Access to any of our convenient branches and over 3,500 CO-OP Shared Branches nationwide and in Hawaii. Free Online Banking and eStatements. Access to your account information through our Automated Telephone Teller Service (Teller Talk). Availability to open Certificate Accounts and Christmas Savings Account.

  Link: Youth Savings Account

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  Teen Savings Account

  MoneyMarvel$ Teen Savings (13-17) Here are the money-saving benefits for a MoneyMarvel$ saver: A minimum deposit of $5 (per person) is all it takes to open a MoneyMarvel$ Teen Savings. No minimum balance, no monthly service charge, dividend-earning Checking Account. Free Debit/ATM card with surcharge-free access at any Hickam FCU owned ATM and up to 6 surcharge-free transactions per month at any First Hawaiian Bank and CO-OP Network ATM. Access to any of our convenient branches and over 3,500 CO-OP Shared Branches nationwide and in Hawaii. Free Online & Mobile Banking and eStatements. Access to your account information through our Automated Telephone Teller Service (Teller Talk). Availability to open Certificate Accounts and Christmas Savings Account.

  Link: Teen Savings Account

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  Young Adult Savings Account

  MoneyMaxer$ Young Adult Savings (18 - 24) Here are the money-saving benefits for a MoneyMaxer$ member: A minimum deposit of $5 (per person) is all it takes to open a MoneyMaxers$ Savings. No minimum balance, no monthly service charge, dividend-earning Checking Account. Free Debit/ATM card with surcharge-free access at any Hickam FCU owned ATM and up to 6 surcharge-free transactions per month at any First Hawaiian Bank and CO-OP Network ATM. Low interest rate Auto, Personal, and Real Estate Loans*. Access to any of our convenient branches and over 3,500 CO-OP Shared Branches nationwide and in Hawaii. Free Online & Mobile Banking and eStatements. Access to your account information through our Automated Telephone Teller Service (Teller Talk). Availability to open Certificate Accounts and Retirement Accounts.

  Link: Young Adult Savings Account

• Christmas Savings Account

  A perfect way for you to save for your holiday spending or gift-giving needs. Save automatically and worry-free through either payroll deduction or other regularly scheduled deposits. No minimum balance is required. No monthly service fee is charged. No fee is assessed for an early withdrawal prior to the transferring of Christmas funds each year. Dividends are paid monthly. Christmas Savings will transfer automatically into your Savings Account or Checking Account on the last day of October, each year.

  Link: Christmas Savings Account