You are cordially invited to SAVE!
Get ready for spring with a new set of wheels. Honda FCU would like to help you SAVE by offering you a vehicle loan that is right for you. For a limited time you can get a rate as low as 2.99% APR* on your next vehicle loan. Honda FCU would like you to enjoy the benefits of membership by offering you:
- Vehicle loan rate as low as 2.99% APR*
- No processing fees
- No pre-payment penalties
- Convenient automatic payments
- Fast and simple application process
- Financing for cars, motorcycles,ATVs, boats & RVs
You will be automatically entered to win a 32 gig iPad2** when you finance or refinance*** a vehicle loan through HFCU.
Hurry, this offer will end on March 30, 2012!
If you are an Alabama, Indiana or Ohio resident, visit one of our DealerNet dealer locations for convenient one-stop shopping. For a list of participating dealers, call 1.800.634.6632. Or log on to www.hondafcu.org and click on the DealerNet icon.
*2.99% APR is based on new or used auto loans financed for 66 months or less. The rates for auto loans range from 2.99%-15.04%. We offer an additional 1/4% rate reduction off associate auto purchases and 1/4% off new auto financing for 48 months or less. All new or used auto purchases are based on current loan rates and terms. Minimum auto loan amount is $3,000. For rates on motorcycles, ATVs, PWCs, boats, or RVs, please contact a Member Service Representative at 1-800-63-Honda (1-800-634-6632) or visit us on the web at www.hondafcu.org. All loans are based upon credit qualification. Not all members will be eligible.
**Four (4) winners will be randomly selected. The ‘Win a 32 gig iPad2 Sweepstakes’ is open to all members. The promotion is valid from 2/1/12 - 3/30/2012. Entries received after 3/30/2012, 11:59:59 p.m. PST, will not be eligible for the sweepstakes. For official rules and regulations, please call 1.800.634.6632 (1.800.63.Honda).
***Refinancing is not available on current Honda FCU loans.
Card Convenience Overdraft Protection* Turns "Oops!" into "Whew!"
It can happen to anyone—you’re making a purchase with your Honda Federal Credit Union ATM or debit card and there aren’t quite enough available funds in your linked checking account. Your purchase is declined on the spot, causing you embarrassment and inconvenience.
Shop worry-free with Card Convenience
Overdraft Protection
Simply enroll any card that is linked with your HFCU checking account, and Card Convenience Overdraft Protection automatically kicks in to cover your purchases when you’re a little short on funds.
- Free to enroll
- No monthly or annual fee
- Protects you from declined purchases**
Enroll today—it’s easy!
- Call our Contact Center at 1-800-634-6632 (1-800-63-Honda)
- Visit any HFCU branch
- Or log on to Internet Banking and send us your opt-in request through the message system
For more information, please contact us at 1-800-634-6632 (1-800-63-Honda) or stop by your local branch today!
*Card Convenience Overdraft Protection applies to Regular, Interest and Premier Checking accounts. Honda Business Checking accounts are excluded. If you have multiple checking accounts, you must opt in for each account. Your card transactions and PIN-based purchases will be declined when there are insufficient available funds in your linked checking account to cover the transactions, unless you are set up for transfers from a share or line of credit account OR you have opted into the Card Convenience Overdraft Protection service.
**You will be charged a $27.00 NSF fee if you do not have sufficient available funds at the time the transaction posts to your account.
Relax. We can take the worry out of saving for your retirement or college fund.
Honda Federal Credit Union has a number of options to help you meet your retirement or education savings goals. And with their tax advantages*, we can help you get there even faster than you thought:
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Traditional IRA* — Contributions and earnings are not taxed until withdrawal.
The maximum contribution per year is $5,000, but you can add an extra $1,000
if you are at least 50 years old. Two factors determine whether or not your contributions
are tax-deductible: A) your income tax filing status, and B) whether you or your spouseparticipated in an employer-sponsored retirement program.
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Roth IRA** — Contributions are non-tax deductible. In exchange, members with an
account that has been open for at least five tax years can qualify for tax-free withdrawals
(including earnings) if one of these conditions is met: owner is at least 59½ years old,
the death or disability of the IRA holder, or receipt of a qualified first-time home buyer
distribution. The maximum contribution per year is $5,000, but you can add an extra $1,000 if you are at least 50 years old.**
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Coverdell ESA* — This type of account allows you to make non-tax deductible
contributions up to $2,000 a year, per child, until the child’s 18th birthday. Earnings grow
tax-free as long as the proceeds are used to pay for qualified education expenses including
elementary or secondary school, higher education, or college. Costs can include items such as tuition, transportation, or uniforms!
Speak to a Honda FCU representative about your savings options and their tax advantages before April 17, 2011! Call us today at 1-800-634-6632!
*Ask your tax advisor about the limits and conditions associated with tax advantages of these types of accounts.
**Income limitation for eligibility
eRefunds – Using the Correct Data
It’s tax season, and in today’s age of technology, e-filing your taxes and receiving a direct deposit of your refund into your account is becoming a popular demand.
Whether you file your income taxes electronically or by mail, you still have the option of Direct Deposit of your refund. We find that many members make errors when providing their account information to the IRS.
Here are a few tips to assist you:
- Item b above: Routing Number – the 9-digit routing number can be found on the bottom left-hand corner of your checks, as part of the MICR number. (MICR, Magnetic Ink Character Recognition strips are used by the U.S. banking system to automate check processing.) The routing number for Honda Federal Credit Union is 322275746. (Keep in mind, this information can also be used in establishing Internet Bill Payment services through Honda FCU).
- Item c above: Type - select either Checking or Savings. Should you elect to have your refund deposited into your Money Market account, you would select checking. (Please note: direct deposit of your tax refund into a secondary savings account is not permitted.)
- Item d above: Account Number – if you’ve elected to have your direct deposit posted to your savings account, you will enter the 10-digit master account number displayed on the upper right-hand corner of your statement. If you elect to have your refund deposited to your checking or Money Market account, use the 11-digit checking account number located next to the routing number on your checks, as illustrated below
Many members continue to use the 10- digit main Membership Account Number (which starts with a 76*** or 78***). While this number is used to identify your account within Internet Banking or Audrey Automated Teller, this 10-digit membership account number is a default to your savings account. If you have used this number in the past and you have not updated your account information, you should update it with your tax agency or you may experience delays or your tax refund may be returned back to the agency. This information also applies to all ACH debits and credits.
Should you have additional questions regarding which numbers to use, please stop by your local HFCU branch or call us at 1.800.63.Honda (1.800.634.6632).
Honda FCU VISA Gift Card, It's the perfect gift!
For the holidays, birthdays, graduations, business gifts, or other gift giving occasions, purchase and give a Visa Gift Card to show your appreciation. Accepted at any location where Visa Debit cards are accepted worldwide, the Honda FCU Visa Gift Card makes a perfect gift. So, visit a branch today to purchase your special gift!
Each card can be loaded with $5.00 to $750.00, and costs $3.95. There is a monthly fee of $2.50 after 12 months from purchase. Use your Honda FCU deposit account or debit/credit card to pay for the purchase. As long as a card is registered, it is replaceable if lost or stolen. Also, once the card is registered, it can be used for phone and internet purchases. To register your card, go to www.hondafcugiftcard.org.
If you have more questions, visit our FAQ sheet here.
WHY Leave Yourself Unprotected? - Protect your computer from being targeted or hijacked with antivirus and anti malware software. By protecting your computer you can prevent computer thieves from accessing personal information.
What is a Computer Virus?
A Computer Virus is a program that can copy itself and infect a computer without the permission or knowledge of the user. A computer virus has 2 major characteristics: the ability to replicate itself, and the ability to attach itself to another computer file. Every file or program that becomes infected can also act as a virus itself, allowing it to spread to other files and computers.
A computer virus needs another program in order to be able to be activated and infect other computers files. Essentially, a computer virus rides piggyback on another file into your computer - once it is executed, the virus will continue to replicate and attach itself to other program files and continue to spread. The following are a few telltale signs that your computer might have a virus:
- Slow response and slow program execution
- Random hard drive crashes and restarts
- Distorted graphics and text
- Files that have mysteriously vanished
- Extensive pop-up ads
- Inability to open files with existing passwords
What is "malware" (malicious software programs)? At its most basic definition, malware is when software programs covertly install themselves on your computer, and then perform operations without your permission. Once in place, malware programs may do hundreds of nasty things to your computer. Malware will log your keystrokes, steal your passwords, observe your browsing choices, spawn pop-up windows, send you targeted email, redirect your web browser to phishing pages, report your personal information to distant servers, and serve up pornography. Malware operates invisibly, often without displaying itself in your Task Manager. To top it off, malware usually refuses to be uninstalled through your control panel, and requires special tools to delete them from your drive. Yes, this is a direct cousin to viruses, but with a broader portfolio of wicked intentions.
Purchase or download anti-virus/anti-malware programs that run as you boot or work on your computer. Update the software and run scans frequently if not daily. New viruses and malware are created everyday and by keeping your anti-virus/anti-malware software programs up to date you can prevent them from infecting your computer and stealing important information.
