|
 |

Loan Rates
Effective September 20, 2011
| COLLATERAL |
APPROXIMATE
TERM
|
RATE
(as low
as*)
|
RATE
(as high as)
|
|
| Signature |
|
|
|
|
| Installments |
Up to 48 months |
8.50% |
17.50% |
APR |
| Single Payments |
|
8.50% |
16.50% |
APR |
| New Autos and Truck* |
To 36 months |
3.24% |
15.50% |
APR |
| (2010-2012) |
To 48 months |
3.24% |
16.50% |
APR |
| 12,000 miles or less |
To 66 months |
3.24% |
14.00% |
APR |
| |
To 72 months (e) |
3.24% |
14.25% |
APR |
| |
To 84 months(d) |
3.74% |
9.74% |
APR |
| Used Auto and Truck |
To 36 months |
3.49% |
16% |
APR |
| |
To 48 months |
3.49% |
16.25% |
APR |
| (2001-2009) |
To 66 months |
3.74% |
15.00% |
APR |
| |
To 72 months (e) |
3.99% |
9.74% |
APR |
| |
To 84 months (d) |
4.99% |
10.74% |
APR |
| Used Auto and Truck |
To 36 months |
6.99% |
16.00% |
APR |
| Classic |
To 48 months |
7.24% |
16.25% |
APR |
| |
To 66 months |
7.49% |
15.00% |
APR |
| Recreational Vehicles |
To 36 months |
6.25% |
16.50% |
APR |
| (New-5yrs old) |
To 48 months |
6.50% |
16.75% |
APR |
| |
To 60 months |
6.75% |
15.25% |
APR |
| |
To 72 months (d) |
7.00% |
15.50% |
APR |
| |
To 84 months(b) |
7.25% |
9.25% |
APR |
| |
To 96 months (a) |
7.50% |
9.50% |
APR |
| Recreational Vehicles |
To 36 months |
6.99% |
16.75% |
APR |
| Used |
To 48 months |
7.24% |
17.00% |
APR |
| (2000-2006) |
To 60 months |
7.49% |
15.50% |
APR |
| |
To 72 months (d) |
7.74% |
15.75% |
APR |
| |
To 84 months(b) |
7.99% |
9.75% |
APR |
| |
To 96 months (a) |
8.24% |
10.00% |
APR |
New furniture, Appliances, PC's, Lawn and Garden Equipment
All other secured |
36 months |
8.00% |
16.75% |
APR |
| |
48 months |
8.25% |
17.00% |
APR |
| |
60 months |
8.50% |
16.00% |
APR |
| Visa Platinum |
4.25% APR* |
Present rate-variable rate-subject to change semi annually at prime + 1.00% |
| Visa Classic |
12.95% APR* |
Present rate |
| Share Secured |
3% above current index-Variable rate-Subject to change quarterly |
|
| Certificate Secured |
2% above current index |
|
| |
|
|
|
Minimum loan: (a) $50,000, (b) $30,000, (c) $25,000, (d) $20,000, (e)$15,000, (f) $10,000.
|
| Home Equity First Liens, Oklahoma Only, Max LTV 85% |
To 180 Months |
|
|
| Contact a loan officer, rates set weekly. |
| |
|
|
|
|
| Home Equity Junior Liens, Oklahoma Only, Max LTV 85% |
To 180 Months |
|
|
| Contact a loan officer, rates set weekly. |
|
|
| |
|
|
|
|
| Mortgage |
|
To 360 Months |
| Contact a loan officer, rates set daily. |
|
|
|
*APR = Annual Percentage Rate
**Payment example: At 7.00% APR on a $10,000 loan with a 60-month term, monthly payment would be $198.01
|
SHARE CERTIFICATE-MATRIX
February 1, 2012 – February 7, 2012
ALL DIVIDEND RATES ARE DECLARED BY THE BOARD OF DIRECTORS
OF THE HALLIBURTON EMPLOYEES’ FEDERAL CREDIT UNION AND ARE SUBJECT TO CHANGE AT ANY TIME
TERM SHARE ACCOUNTS (CERTIFICATES)/IRA’S
|
|
MIN. BAL.
|
|
3 MO.
|
6 MO.
|
12 MO.
|
18 MO.
|
24 MO.
|
30 MO.
|
36 MO.
|
48 MO.
|
|
$500.00
|
RATE
|
.30
|
.40
|
.68
|
.83
|
.95
|
.90
|
1.24
|
1.44
|
| |
A.P.Y
|
.30
|
.40
|
.68
|
.83
|
.95
|
.90
|
1.25
|
1.45
|
|
$10,000.00
|
RATE
|
.45
|
.55
|
.75
|
.89
|
1.04
|
1.04
|
1.39
|
1.59
|
| |
A.P.Y
|
.45
|
.55
|
.75
|
.90
|
1.05
|
1.05
|
1.40
|
1.60
|
|
$25,000.00
|
RATE
|
.49
|
.62
|
.89
|
1.02
|
1.34
|
1.09
|
1.44
|
1.64
|
| |
A.P.Y
|
.49
|
.62
|
.89
|
1.03
|
1.35
|
1.10
|
1.45
|
1.65
|
|
$99,000.00
|
RATE
|
.54
|
.66
|
.94
|
1.07
|
1.39
|
1.14
|
1.49
|
1.69
|
| |
A.P.Y
|
.54
30 days
|
.66
60 days
|
.94
90 days
|
1.08
120 days
|
1.40
180 days
|
1.15
180 days
|
1.50
180 days
|
1.70
180 days
|
|
***Early Withdrawal Penalty # of Days Div. Lost Days:
|
SHARE ACCOUNTS
|
|
MINIMUM BALANCE: $25.00 (MEMBERSHIP SHARE IN S1 REQUIRED)
RATE .55
A.P.Y.* .55
THE RATE IS DETERMINED AT THE END OF EACH QUARTER.
RATE DISCLOSED IS FOR OCTOBER - DECEMBER 2011.
|
|
IRA SHARE ACCOUNT
|
|
MINIMUM BALANCE: NONE
RATE .85
A.P.Y.* .85
THE RATE IS DETERMINED AT THE END OF EACH QUARTER.
RATE DISCLOSED IS FOR OCTOBER - DECEMBER 2011.
|
|
CHRISTMAS CLUB ACCOUNT
|
|
MINIMUM BALANCE: NONE
RATE .70
A.P.Y.* .70
THE RATE IS DETERMINED AT THE END OF EACH QUARTER.
RATE DISCLOSED IS FOR OCTOBER - DECEMBER 2011.
|
|
$MART CHECKING ACCOUNT
|
|
MINIMUM BALANCE: NONE
BALANCES $0.00 - $25,000 (QUALIFIED)
RATE 3.49
A.P.Y* 3.55
BALANCES OVER $25,000 (QUALIFIED)
RATE 0.85
A.P.Y* 0.85
BALANCES (DID NOT QUALIFY)
RATE 0.05
A.P.Y* 0.05
THE RATE IS DETERMINED AT THE END OF EACH QUARTER
FOR THE UPCOMING QUARTER OF JANUARY - MARCH 2012.
*The Annual Percentage Yield assumes dividends are compounded mnthly and will remain on deposit until maturity. A withdrawal of dividends will reduce earnings.*
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