December 2023

To Our Valued Members,

At HCFCU, we are committed to providing a safe and welcoming environment for our members and staff. As part of this commitment, I must address a sensitive matter regarding the security of our community—a responsibility our leadership team and I take very seriously.

We deeply value every member of our credit union and aim to provide spaces that foster respect, support, and trust. Unfortunately, there have been a few instances where individuals have created situations that disrupt the safe environment we strive to maintain in our branches. As a proactive measure, HCFCU has implemented a new expulsion policy, details of which can be found below.

The safety and well-being of our members and staff is our top priority. This new policy has been implemented to address rare situations that jeopardize the security and comfort of our community.

We are grateful for your support and understanding as we strive to uphold values of safety, respect, and inclusivity at HCFCU. Your cooperation in following this policy is vital in maintaining the welcoming and secure environment of our branches.

Thank you for being part of the HCFCU ohana. Should you have any questions regarding this policy, please contact us at (808) 930-7700, email us at [email protected], or visit any one of our branches.

Sincerely,
 
Tricia Buskirk
President & CEO
Hawaii Community Federal Credit Union
 

---

   
We may terminate your membership in Hawaii Community Federal Credit Union (the Credit Union) in one of three ways. The first way is through a special meeting. Under this option, we may call a special meeting of the members, provide you an opportunity to be heard, and obtain a two-thirds vote of the members present at the special meeting in favor of your expulsion. The second way to terminate your membership is under a nonparticipation policy given to each member that follows certain requirements. The third way to terminate your membership is by a two-thirds vote of a quorum of the directors of the credit union for cause.

Cause is defined as follows: (A) a substantial or repeated violation of the Member (or Business) Service Agreement with the Credit Union; (B) a substantial or repeated disruption, including dangerous or abusive behavior, to the credit union’s operations; or (C) fraud, attempted fraud, or a conviction of other illegal conduct that a member has been convicted of in relation to the Credit Union, including in connection with our employees conducting business on behalf of us.

Before the board votes on an expulsion, the Credit Union must provide written notice to your mail address (or email, if applicable) on record or personally provide the written notice. The Credit Union must provide the specific reasons for the expulsion and allow you an opportunity to rebut those reasons through a hearing if you choose. It is your responsibility to keep your contact information with the Credit Union up to date, and to open and read notices from the Credit Union. Unless the Credit Union determines otherwise, there is no right to an in-person hearing with the board. If you fail to request a hearing within 60 calendar days of receipt of the notice, you will be expelled. You may submit any complaints about your pending expulsion or expulsion to NCUA’s Consumer Assistance Center if the complaint cannot be resolved with the Credit Union.

The Credit Union will confirm any expulsion with a letter with information on the effect of the expulsion and how you can request reinstatement. Expulsion or withdrawal from membership does not relieve a member of liability to the credit union, and we may demand immediate repayment of the money you owe to us after expulsion, subject to any applicable contract terms and conditions.

For additional information on expulsion and a copy of our expulsion policy, please contact us at (808) 930-7700, email us at [email protected], or visit us at any one of our branches.