Tradewinds eNewsletter

Reward Yourself, Your Family and Colleagues with Join Our Ohana

You already know the value of membership. Join Our Ohana (“family” in Hawaiian), is another way we reward members when you refer family and colleagues.  Once your referral establishes membership, you both receive money-saving benefits, and who doesn’t want to save some more money?

You’ll be eligible for a special discount on Auto Loan and Home Equity Loan rates. Your referral also receives the same Auto Loan rate discount.

Call or visit a branch for complete details.

All loans are subject to credit approval and all First Financial Credit Union policies and procedures. Loan rates are based on credit history, collateral criteria, and term of loan, and are subject to change without notice. Other restrictions may apply. Discounts subject to change without notice. Other terms and conditions may apply. The auto loan and home equity loan rate discounts are valid when the referral establishes membership with a Savings account with the required minimum opening deposit. Discounts valid for 6 months after membership date is established. First Financial staff is not eligible.

A Low Fixed-Rate Platinum Visa Saves You Money

There are many benefits to having a fixed-rate Platinum Visa, and the most important is the peace-of-mind knowing you have an extremely competitive, money-saving, low fixed rate for life! You can even transfer high-rate credit card balances you have elsewhere and save money with no balance transfer fees!¹

There are other money-saving benefits, including:

• Lower rates on auto loans²
• Higher dividends on select deposit accounts³
• Payment Skips in the summer⁴

Apply today and lock-in our lowest fixed rates before they disappear!

Learn More

All loans are subject to credit approval and all First Financial Credit Union policies and procedures. Loan rates are based on credit history, collateral criteria and term of loan. Other terms and conditions subject to change without notice. ¹Free balance transfers when completing a Platinum Visa Card Balance Transfer form through Online Banking (under “Card eServices”). Free balance transfers may also be used with convenience checks to pay other lenders only—otherwise you will incur a cash advance fee. Balance transfers are not valid for First Financial loans. ²Interest rate may not fall below floor rate inclusive of all discounts. ³Other terms, conditions apply. ⁴Payment Skips is offered to members who meet certain criteria qualifications; other restrictions may apply.  No late fees or penalty Annual Percentage Rate will apply. However, finance charges will continue to accrue on the unpaid balance. How We Will Calculate Your Balance: We will use the Average Daily Balance method (including new transactions).

Open the Door to Opportunities

Now may be the best time to leverage your home’s value to get affordable financing for a wide range of needs with our Home Equity Loan (HELoan). A HELoan is a valuable cash resource, with a low fixed-rate, predictable monthly payments and the interest may be tax deductible!*

Our experienced real estate experts can help you unlock the possibilities that the equity in your home can provide.

Learn More

All loans are subject to credit approval and First Financial Credit Union policies and procedures. 1Loan rates are based on creditworthiness, credit score, collateral criteria, a maximum Combined Loan-To-Value (CLTV) of 80%, and are subject to change without notice. Other restrictions may apply. *Consult a tax advisor regarding the deductibility of interest.

Use your First Financial Visa Debit card instead of cash and you will have the “exact change” for every purchase. Remember, your purchases are protected by Visa’s Zero Liability Policy* and adding your Debit card to your mobile wallet provides another layer of protection.

*Visa’s Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify First Financial immediately of any unauthorized use. Contact First Financial for more detail.

Dividend Updates

Dividends were announced for the 1st Quarter, the period of January 1 to March 31, 2025.
Dividends were posted to your account on April 1, 2025. Rates are subject to change without notice.

APY=Annual Percentage Yield. Regulations prohibit paying dividends in excess of available earnings. All rates are correct at time of publication. Rates are subject to change without notice. A minimum opening deposit is required. The Board of Directors declares dividends on a quarterly basis. *Based on use of qualifying electives. Please see your Truth-in-Savings Agreement for more details.