Halliburton Employees Credit Union

Halliburton Employees Credit Union Locations

703 S. 9th Street
Duncan, OK 73533
800-368-2618
www.hefcu.org

NCUA

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Halliburton Employees Credit Union is headquartered in Duncan and is the 17^st largest credit union in the state of Oklahoma. It is also the 1,278^th largest credit union in the nation. It was established in 1960 and as of December of 2012, it had grown to 34 employees and 15,170 members. Halliburton Employees Credit Union's savings rates are 63% higher than the national average, and it boasts a 5-star health rating.

Reward Checking Rate and Max Lower at Halibuton (Forum) - 5/1/2013

$mart Checking Account Minimum Balance: NONE Balances $0.00 – $20,000 (Qualified) Rate** 3.01 &nb

Halliburton Employees FCU RCA Changes Effective 4/1/13 (Forum) - 3/20/2013

Halliburton Employees FCU determines the dividend rates for its $mart Checking on a quarterly basis for the following quarter. Effective 4/1/13, the credit union is making the following changes: a) cap change from $25k to $20K b) rate changes

Halliburton Employees FCU Change To VISA Debit Card (Forum) - 11/16/2012

Heads up: starting 1/29/13 the credit union is changing to a new VISA debit card program. After that date, current cards will no longer function. New cards will be arriving in the mail within the first two weeks of January 2013 and wil

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See Rates for: Checking | Savings | CD | IRA

Halliburton Employees Credit Union Checking Account Rates

	Apy	Min	Max	Product
	3.05%	-	$20k	$mart Checking Account

Halliburton Employees Credit Union Savings Account Rates

Apy	Min	Max	Product
0.85%	-	-	IRA Share Savings Account
0.85%	-	-	Roth IRA Share Savings Account
0.85%	-	-	Education IRA Savings Account
0.70%	-	-	Christmas Club Account
0.35%	$25	-	Share Account

Halliburton Employees Credit Union CD Rates

Apy	Min	Max	Product
1.40%	$100k	-	48 Month Share Certificate
1.25%	$100k	-	36 Month Share Certificate
1.10%	$100k	-	24 Month Share Certificate
0.85%	$100k	-	30 Month Share Certificate
0.72%	$100k	-	18 Month Share Certificate
0.54%	$100k	-	12 Month Share Certificate
0.36%	$100k	-	6 Month Share Certificate
0.34%	$100k	-	3 Month Share Certificate

Halliburton Employees Credit Union IRA Rates

Apy	Min	Max	Product
1.40%	$100k	-	48 Month IRA Certificate
1.40%	$100k	-	48 Month Roth IRA Certificate
1.40%	$100k	-	48 Month Education IRA Certificate
1.25%	$100k	-	36 Month IRA Certificate
1.25%	$100k	-	36 Month Roth IRA Certificate
1.25%	$100k	-	36 Month Education IRA Certificate
1.10%	$100k	-	24 Month IRA Certificate
1.10%	$100k	-	24 Month Roth IRA Certificate
1.10%	$100k	-	24 Month Education IRA Certificate
0.85%	$100k	-	30 Month IRA Certificate
0.85%	$100k	-	30 Month Roth IRA Certificate
0.85%	$100k	-	30 Month Education IRA Certificate
0.72%	$100k	-	18 Month IRA Certificate
0.72%	$100k	-	18 Month Roth IRA Certificate
0.72%	$100k	-	18 Month Education IRA Certificate
0.54%	$100k	-	12 Month IRA Certificate
0.54%	$100k	-	12 Month Roth IRA Certificate
0.54%	$100k	-	12 Month Education IRA Certificate
0.36%	$100k	-	6 Month IRA Certificate
0.36%	$100k	-	6 Month Roth IRA Certificate
0.36%	$100k	-	6 Month Education IRA Certificate
0.34%	$100k	-	3 Month IRA Certificate
0.34%	$100k	-	3 Month Roth IRA Certificate
0.34%	$100k	-	3 Month Education IRA Certificate

Rates updated: 5/21/2013

Data for Q4 2012

Institution Statistics

HALLIBURTON EMPLOYEES
NCUA #	13898
BankRate Report	View
Year Chartered	1960
Employees	34
Primary Regulator
Assets and Liabilities
Assets	$123.03 million
Loans	$79.26 million
Deposits	$110.71 million
Equity Capital	$11.66 million
Loan Loss Allowance	$429,000
Unbacked Noncurrent Loans	$310,000
Historic Data - December 2011
Assets	$106.84 million
Equity Capital	$10.39 million
Loan Loss Allowance	$528,000
Unbacked Noncurrent Loans	$363,000
Profit Margin - Quarterly
Net Interest Margin	4.01%
Return on Assets	1.03%
Return on Equity	10.85%
Interest Income	$4.43 million
Non-Interest Income	$1.82 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 Halliburton Employees Credit Union had $310,000 in non-current loans and owned real-estate with $12.09 million in equity and loan loss allowances on hand to cover it. This gives Halliburton Employees Credit Union a Texas Ratio of 2.56% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Halliburton Employees Credit Union decreased slightly from 3.32% as of December 31, 2011 to 2.56% as of December 31, 2012, resulting in a positive change of 22.85%.This indicates that the balance sheet and financial strength for Halliburton Employees Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, Halliburton Employees Credit Union has increased its total deposits by $14.64 million, resulting in 15.24% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Halliburton Employees Credit Union has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Halliburton Employees Credit Union has $123.03 million in assets with $12.09 million in equity, resulting in a capitalization level of 9.83%, which is average.