Loan Rates
Effective February 17, 2010
| 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 |
3.49% |
15.50% |
APR |
| (2007-2011) |
To 48 months |
3.74% |
16.50% |
APR |
| |
To 66 months |
3.99% |
14.00% |
APR |
| |
To 72 months (d) |
4.24% |
14.25% |
APR |
| |
To 84 months(b) |
4.49% |
8.74% |
APR |
| Used Auto and Truck* |
To 36 months |
4.24% |
16.00% |
APR |
| 5-12 years old |
To 48 months |
4.49% |
16.25% |
APR |
| (1999-2006) |
To 66 months |
4.74% |
15.00% |
APR |
| |
To 72 months (d) |
4.99% |
8.74% |
APR |
| |
To 84 months (b) |
5.24% |
9.74% |
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% |
16.00% |
APR |
| (1998-2005) |
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% |
15.50% |
APR |
| |
48 months |
8.25% |
15.75% |
APR |
| |
60 months |
8.50% |
13.50% |
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. |
|
|
|
|
*Rates reflect the .25 discount for members who have a debit card or direct
deposit (direct deposit is entire payroll check deposited into a checking account)
APR = Annual Percentage Rate
The approximate term is provided to disclose the term we use to calculate
payments for Credit Union's open-end loan products
**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
March 10, 2010 - March 16, 2010
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)/IRAs
|
| Minimum Balance |
|
3
Months
|
6 Months
|
12 Months
|
18 Months
|
24 Months
|
30 Months
|
36 Months
|
48 Months
|
| $500.00 |
Dividend Rate |
.70
|
1.05
|
1.30
|
1.47
|
1.86
|
1.80
|
2.08
|
2.32
|
| |
APY* |
.70
|
1.05
|
1.31
|
1.48
|
1.88
|
1.82
|
2.10
|
2.35
|
| $10,000.00 |
Dividend Rate |
.85
|
1.20
|
1.37
|
1.53
|
1.95
|
1.95
|
2.23
|
2.47
|
| |
APY* |
.85
|
1.21
|
1.38
|
1.54
|
1.97
|
1.97
|
2.25
|
2.50
|
| $25,000.00 |
Dividend Rate |
.89
|
1.26
|
1.52
|
1.66
|
2.24
|
2.01
|
2.28
|
2.52
|
| |
APY* |
.89 |
1.27
|
1.53
|
1.67
|
2.26
|
2.03
|
2.30
|
2.55
|
| $99,000.00 |
Dividend Rate |
.94
|
1.30
|
1.57
|
1.71
|
2.29
|
2.06
|
2.33
|
2.57
|
| |
APY* |
.94
|
1.31
|
1.58
|
1.72
|
2.31
|
2.08
|
2.36
|
2.60
|
Early Withdrawal Penalty
# of days of dividend lost: |
30 Days |
60 Days |
90 Days |
120 Days |
180 Days |
180 Days |
180 Days |
180 Days |
|
Minimum Balance: $25 (Membership Share in S1 Required) Dividend Rate 1.05
A.P.Y.* 1.05
The dividend rate is determined at the end of each quarter. Dividend rate disclosed is for October - December, 2009
|
|
Minimum Balance: None Dividend Rate 1.05
A.P.Y.* 1.05
The dividend rate is determined at the end of each quarter. Dividend rate disclosed is for October - December, 2009
|
Minimum Balance: None Dividend Rate 1.20
A.P.Y.* 1.20
The dividend rate is determined at the end of each quarter. Dividend rate disclosed is for October - December, 2009 |
| $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 2010 |
*The Annual Percentage Yield (APY) assumes dividends are compounded monthly and will remain on deposit until maturity. A withdrawal of dividends will reduce earnings.*
|
