Loan Rates
Effective February 19, 2008
| Autos |
Approx. Term* |
Model Year |
Rate |
| New to 4 Years Old |
36 Months |
(2004-2008) |
5.45%-9.95% APR |
| (10 bp off rate for 20% or greater down off NADA) |
48 Months |
(2004-2008) |
5.65%-10.15% APR |
| |
60 Months |
(2004-2008) |
5.75%-10.25% APR |
| Over $20,000 on purchase or refinance |
72 Months |
(2004-2008) |
6.15%- 7.15% APR |
| 5-8 Years Old |
36 Months |
(2003-2000) |
7.00%-11.50% APR |
| |
48 Months |
(2003-2000) |
7.25%-11.75% APR |
| 9-12 Years Old |
36 Months |
(1999-1996) |
7.25%-11.75% APR |
| |
48 Months |
(Classic Auto) |
7.25%-11.75% APR
|
| |
|
|
|
| Boats, RVs, Horse and ATV Trailers with living quarters |
| New to 4 Years Old |
60 Months |
(2004-2008) |
7.25%-11.75% APR |
| |
61-84 Months |
(2004-2008) |
7.50%-8.50% APR |
| |
96 Months |
(2004-2008) |
8.00%-9.00% APR |
| 5-8 Years Old |
60 Months |
(2000-2003) |
7.75%-12.25% APR |
| 9-12 Years Old |
48 Months |
(1999-1996) |
8.00%-12.50% APR |
|
|
| New and Used Motorcycles |
| (100% new) (Up to 90% of purchase price or 90% of NADA retail) |
| |
60 Months |
|
8.00%-12.50% APR |
| |
48 Months |
|
7.75%-12.25% APR |
| |
| ATVs, Jet Skis, Dirt Bikes & Snow Mobiles |
| New to 5 Years Old |
36 Months |
(2003-2008) |
7.75%-12.25% APR |
| 6-12 Years Old |
24 Months |
(2002-1996) |
8.75%-13.25% APR |
| |
New Furniture, Appliances, PCs and
Lawn and Garden Equipment
Up to 100% of purchase price |
36 Months |
|
9.00%-14.50% APR |
| |
| Signature |
|
|
|
| Installments |
36 Months |
|
11.00%-15.50% APR |
| Single payment |
|
|
13.00%-17.50% APR |
| |
| Share Secured |
| 3.00% above current index |
| Variable Rate - Subject to Change quarterly |
| |
| Certificate Secure |
| 2.00% above current index |
| |
|
|
|
| Credit Union Classic VISA Card |
Present Rate |
|
12.95% APR |
| Credit Union Platinum VISA Card |
Present Rate |
|
6.0% APR |
| Variable Rate - Subject to Change Semi-Annually at Prime Rate + 1.00% |
| |
| Fixed Rate Home Equity Loans in Oklahoma |
| Up to 85% of appraised value less any 1st mortgage balance |
| Up to 5 years* |
|
|
7.50% APR |
| 6 years to 10 years** |
|
|
7.70% APR |
| 11 years to 15 years*** |
|
|
8.10% APR |
| |
*Payment example: At 7.50% APR on a $10,000 loan with a 5-year term, monthly payment would be $200.38
**Payment example: At 7.70% APR on a $10,000 loan with a 10-year term, monthly payment would be $119.77
***Payment example: At 8.10% APR on a $10,000 loan with a 15-year term, monthly payment would be $96.16 |
| |
|
First Mortgage Home Purchase and Re-Finance Loans are now available!!
|
|
Contact Us for further details!!
|
APR = Annual Percentage Rate
*The approximate term is provided to disclose the term we use to calculate payments for the Credit Union's open-end loan products.
Share Certificate Matrix
July 2, 2008 - July 8, 2008
All Dividend rates are declared by the Board of Directors for 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 |
1.85
|
2.10
|
2.35
|
2.40
|
2.55
|
2.60
|
2.75
|
2.85
|
| |
APY* |
1.87
|
2.12
|
2.38
|
2.43
|
2.58
|
2.63
|
2.78
|
2.89
|
| $10,000.00 |
Dividend Rate |
2.00
|
2.25
|
2.50
|
2.55
|
2.70
|
2.75
|
2.90
|
3.00
|
| |
APY* |
2.02
|
2.27
|
2.53
|
2.58
|
2.73
|
2.78
|
2.94
|
3.04
|
| $25,000.00 |
Dividend Rate |
2.05
|
2.30
|
2.55
|
2.60
|
2.75
|
2.80
|
2.95
|
3.05
|
| |
APY* |
2.07
|
2.32
|
2.58
|
2.63
|
2.79
|
2.84
|
2.99
|
3.09
|
| $99,000.00 |
Dividend Rate |
2.10
|
2.35
|
2.60
|
2.65
|
2.80
|
2.85
|
3.00
|
3.10
|
| |
APY* |
2.12
|
2.38
|
2.63
|
2.68
|
2.84
|
2.89
|
3.04
|
3.14
|
Early Withdrawal Penalty
# of days of dividend lost: |
30 Days |
60 Days |
90 Days |
120 Days |
180 Days |
180 Days |
180 Days |
180 Days |
|
Share Accounts
|
| Minimum Balance |
Dividend Rate |
|
1.40 |
| $25.00 (membership share in S1 required) |
APY* |
|
1.40 |
| The dividend rate is determined at the end of each quarter. Dividend rate disclosed is for April - June, 2008 |
| IRA Share Account |
| Minimum Balance |
Dividend Rate |
|
1.40 |
| |
APY* |
|
1.41 |
| The dividend rate is determined at the end of each quarter. Dividend rate disclosed is for April - June, 2008 |
*The Annual Percentage Yield (APY) assumes dividends are compounded monthly and will remain on deposit until maturity. A withdrawal of dividends will reduce earnings.
Loan Rates
Effective February 19, 2008
|
