Auto Loans  Home Loans  Visa® Credit Cards  Share Accounts

Loan Type Term APR*
Vehicles 0 – 84 months 2.34 – 16.50 %
Recreational Vehicles 0 – 120 months 3.49 – 17.00 %
All Other Secured Loans 0 – 60 months 8.00 – 17.00 %
Personal Loans 0 – 48 months 8.50 – 17.50 %
Rates effective as of 7-1-17

*APR = Annual Percentage Rate. Credit qualifications and certain terms, restrictions or conditions may apply.  Not all members will qualify for the lowest rate please contact a loan officer for more details.
.25 discount is available on Auto and Truck rates if an automatic payment agreement is set up.
.10 additional discount for auto payment from HEFCU checking account.

Payment Examples
Vehicles: At 4.99% on a $10,000 loan with a 66 month term, monthly payment would be $173.58
Recreational Vehicles: At 8.75% on a 10,000 loan with a 60 month term, monthly payment would be $206.39
All Other Secured Loans: At 10% on a $10,000 loan with a 60 month term, monthly payment would be $212.49
Personal Loans: At 12.5% on a $10,000 loan with a 48 month term, monthly payment would be $265.84

Home Loans Term APR*
Mortgage
0 – 360 Months
Rates set daily. Consult a Loan officer
Home Equity First liens Oklahoma Only (Max LTV 85%)
0 – 180 Months 3.50 – 4.00 %
Home Equity Junior liens Oklahoma Only (Max LTV 85%) 0 – 180 Months 4.25 – 6.00 %

*APR = Annual Percentage Rate. Credit qualifications and certain terms, restrictions or conditions may apply.  Not all members will qualify for the lowest rate please contact a loan officer for more details.
.25 discount is available on Auto and Truck rates if an automatic payment agreement is set up.

Payment Examples
Home Equity First Liens: At 4.25 % on a $10,000 loan for 60 months, payment would be $185.31**
Home Equity Junior Liens: At 6.00 % on a $10,000 loan for 60 months, payment would be $193.37**
**Payment examples do not include taxes or insurance.

Visa Credit Cards
APR*
Visa Platinum Card 5.25% Present rate – variable rate
subject to change semi annually at prime** + 1.00%
Visa Classic Card 12.95% Present rate – fixed

Click here for our credit card disclosures

*APR = Annual percentage rate, credit qualifications and certain terms restrictions may apply. Not all members will qualify for a credit card, please contact a loan officer for more details.

**Prime as stated in the money section of the Wall Street Journal semi-annually on the 30th day of June and on the 31st day of December each year.

Share Certificate Matrix
August 23, 2017 – August 29, 2017
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
Min. Bal. 3 mo 6 mo 12 mo 18 mo 24 mo 30 mo 36 mo 48 mo
$500.00 Rate** .30% .45% .65% .78% .80% .95% 1.09% 1.24%
A.P.Y.* .30% .45% .65% .78% .80% .95% 1.10% 1.25%
$10,000.00 Rate** .45% .60% .75% .85% .95% 1.09% 1.24% 1.39%
A.P.Y.* .45% .60% .75% .85% .95% 1.10% 1.25% 1.40%
$25,000.00 Rate** .49% .67% .85% .98% 1.04% 1.14% 1.29% 1.44%
A.P.Y.* .49% .67% .85% .98% 1.05% 1.15% 1.30% 1.45%
$99,000.00 Rate** .54% .71% .90% 1.02% 1.09% 1.24% 1.34% 1.49%
A.P.Y.* .54% .71% .90% 1.02% 1.10% 1.25% 1.35% 1.50%
***30 days 60 days 90 days 120 days 180 days 180 days 180 days 180 days
***Early Withdrawal Penalty # of Days Div Lost Days
Share Accounts
Minimum Balance: $25.00 Membership Share in S1 Required Rate** .25%
A.P.Y.* .25%
The Dividend rate is determined at the end of each quarter.
Dividend Rate disclosed is for April – June 2017
IRA Share Account
Minimum Balance: NONE Rate** .85%
A.P.Y* .85%
The Dividend rate is determined at the end of each quarter.
Dividend Rate disclosed is for April – June 2017
Money Market Account
Minimum Balance:  $2,500
Balance: $2,500 – $9,999  Rate** .15%
A.P.Y* .15%
 Balance: $10,000 – $24,999  Rate** .20%
 A.P.Y* .20%
 Balance:  $25,000 – $49,999  Rate** .25%
 A.P.Y* .25%
Balance: $50,000 + Rate** .35%
A.P.Y* .35%
The Dividend rate is determined at the end of each quarter.
Dividend Rate disclosed is for July – September 2017

Christmas Club Account

Minimum Balance: NONE Rate** .70%
A.P.Y.* .70%
The Dividend rate is determined at the end of each quarter.
Dividend Rate disclosed is for April – June 2017

Kasasa Cash Checking Account

Minimum Balance: NONE
Balances $0.00 – $20,000 (Qualified) Rate** 2.52%
A.P.Y.* 2.55%
Balances over $20,000 (Qualified) Rate** 0.35%
This tier results in a 2.55% – 0.72% APY* depending on balance A.P.Y.* 0.35%
Balances (DID NOT QUALIFY) Rate** 0.05%
A.P.Y.* 0.05%
The Dividend rate is determined at the end of each quarter.
Dividend Rate disclosed is for July – September 2017

*APY=Annual Percentage Yield. The Annual Percentage Yield assumes dividends are compounded monthly and will remain on deposit until maturity. A withdrawal of dividends and/or fees will reduce earnings.
**Dividend Rate

See Full Disclosures Here

Fee Schedule

Members may contact an employee for further information about applicable fees and terms.