Rates – hefcu-org

Loan Type	Term	APR*
Vehicles	0 – 84 months	2.24 – 16.50 %
Recreational Vehicles	0 – 96 months	4.99 – 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 9-22-14

*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
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 – 4.25 %
Home Equity Junior liens Oklahoma Only (Max LTV 85%)	0 – 180 Months	4.25 – 6.00 %

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	4.25%	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
April 1 – April 7, 2015 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**	.10%	.10%	.30%	.33%	.80%	.85%	1.00%	1.14%
	A.P.Y.*	.10%	.10%	.30%	.33%	.80%	.85%	1.00%	1.15%
$10,000.00	Rate**	.25%	.25%	.40%	.40%	.95%	1.00%	1.14%	1.29%
	A.P.Y.*	.25%	.25%	.40%	.40%	.95%	1.00%	1.15%	1.30%
$25,000.00	Rate**	.29%	.32%	.50%	.53%	1.04%	1.04%	1.19%	1.34%
	A.P.Y.*	.29%	.32%	.50%	.53%	1.05%	1.05%	1.20%	1.35%
$99,000.00	Rate**	.34%	.36%	.55%	.57%	1.09%	1.09%	1.24%	1.39%
	A.P.Y.*	.34%	.36%	.55%	.57%	1.10%	1.10%	1.25%	1.40%
	***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 October – December 2014
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 October – December 2014
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 October – December 2014
$mart 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 January – March 2015

*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

Click here for full disclosures

Fee Schedule

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