April 2010 - Halliburton Employees FCU

Money Matters
A Publication of:
EVERYTHING WE DO, WE DO FOR YOU
Toll Free 1-800-368-2618
703 South 9th Street • Duncan, OK 73533 • Ph: 580-255-3550 • Fax: 580-255-3662
2015 North Highway 81 • Duncan, OK 73533 • Ph: 580-251-9071 • Fax: 580-251-9070
2601 Beltline Road • Carrollton, TX 75006 • Ph: 972-418-3838 • Fax: 972-418-3914
3000 Sam Houston Parkway East • Houston, TX 77032 • Ph: 281-871-7561 • Fax: 281-871-7560
April 2010
Volume 82, Issue 82
Sign Up For FREE $mart Checking Today!
Earn
LEARN MORE
*Annual Percentage Yield
Halliburton Employees’ Federal Credit Union would like to
let you know about our newest product… $mart Checking.
With $mart Checking you can earn up to 3.55% APY*
on balances up to $25,000 by completing three simple
qualifications each month: make 15 debit card purchases,
sign-up for eStatements, and have 1 direct deposit or ACH
automatic payment. IT’S THAT SIMPLE! Call or stop by
today for more details on how you can start getting paid
just by having a $mart Checking account.
*Annual Percentage Yield
Welcome to Our New Select Employee Groups!
Halliburton Employees’ Federal
Credit Union welcomes Hair
Designs, Massage & Reflexology
by Carol, BroussCo Development,
llc., & Battison Auto Center into
our Field of Membership. This
means that all employees’ of
Hair Designs, Massage & Reflexology by Carol,
BroussCo Development, llc., & Battison Auto Center
are eligible to join the credit union. Immediate
family members of employees are eligible as well.
Help us spread the word so your friends and family
can start experiencing the benefits of credit union
membership today!
Holiday Schedule
The Credit Union will be closed on the following days:
Monday, May 31, 2010 - Memorial Day
Monday, July 5, 2010 - Independence Day
Find the Hidden Member Initials
One member’s initials and street name are hidden
within this newsletter. If this person finds his or her
information, please call the credit union to claim your
prize. We will credit the account of the lucky owner of
these initials and address.
DUNCAN OFFICE
580-255-3550
800-368-2618
Fax: 580-255-3662
We Now Have Rates As Low
As 3.49% APR*
Take charge of vehicle shopping and you’ll be in the
driver’s seat. Visit
us before you shop
and you’ll be more
prepared for the adventure. By getting
preapproved
for
a loan before you
shop, you’ll know
exactly what you
can afford and what
price range to tell the dealer you’re looking for.
We’ll supply a preapproval slip for you to give the
dealer. It looks like a cashier’s check and shows the
dollar amount you’re preapproved for. Our credit
union’s phone number is on the slip so the dealer
can easily contact us.
Dealers recognize the form--it shows that you intend
to finance your auto through the credit union. A smart
move, because credit unions generally offer lower
rates than banks and dealerships on used- and newvehicle loans.
We’re here for all your auto financing needs. Stop by
Halliburton Employees’ Federal Credit Union or call
800-368-2618 today.
*Annual Percentage Rate. Does not include existing HEFCU
loans.
Halliburton Employees’ Federal
Credit Union’s 50th Annual Meeting!
We recently held our 50th Annual Meeting on
Saturday, March 27th, 2010. The event was a huge
success with great food, catered by Suzie Q’s, and
lots of cash door prizes. Mark your calendars to attend
next year for our 51st Annual Meeting on Saturday,
March 26, 2011. We hope to see everyone there.
DUNCAN BRANCH
HOUSTON OFFICE CARROLLTON OFFICE
580-251-9071
281-871-7561
972-418-3838
Fax: 580-251-9070
Fax: 281-871-7560
Fax: 972-418-3914
Email us at: info@hefcu.org • or visit: www.hefcu.org
CU Money Line
800-390-5961
580-255-2055
Products to be on the Lookout
for at YOUR Credit Union!
Halliburton Employees’ Federal Credit Union will soon
be offering some great new products to you that you
should be on the lookout for. These products include
Mobile Banking and Rewards Checking! For up to date
information on these products and go-live dates please
keepyear
checking
ourfirst
website
at participate
www. hefcu.org
Last
was our
year to
in the Stephens
County Relay for Life and we had so much fun that we
have decided to do it again this year. We are currently
selling t-shirts, with the above design, for $10. The
deadline to place an order will be Monday, May 3rd.
For more details, please contact us at 800-368-2618.
In
addition
the t-shirts,
weFacebook
will also have
a Hypnosis
Your
creditto
union
is now on
and Twitter.
Add
show
Friday, April
9. Tickets
be Halliburton
purchased
us onon
Facebook
by looking
us up can
under
at
either Duncan
location.
for your
supportupin
Employees’
FCU and
followThanks
us on Twitter
by looking
fighting
back against
cancer!
TheHEFCU.
On these
sites, we keep you posted on all
the latest information regarding your credit union and
community events that are going on in the Duncan, OK
area. Add us as a friend today! JA 15165 Vickory Dr.
HEFCU is on
Facebook and Twitter!
Get Kids Started Right
We often hear that our children are our greatest asset, the
door to the future. How can we help them build confidence in
their financial future?
One good answer is a credit union share savings account. By
encouraging regular savings at Halliburton Employees’ Federal
Credit Union, you prepare your kids to meet the demands of an
increasingly complex financial world. A regular savings program
helps both teenagers and younger children understand the
basics of personal finance and the importance of building
sound money management habits. It demonstrates the power
of Does
savingsyour
to help
youngsters
reach
their goals.
It prepares
credit
card do
what’s
right for
you,
them
for
the
day
when
they'll
manage
their
own
money.
even when no one is watching? The Credit Card
Even very young children can grasp the fundamentals of
Accountability Responsibility and Disclosure Act
saving, and become excited about having their very own savings
of 2009 was designed to make other financial
program. As they grow and acquire allowances, after-school
institutions
whatsources,
Halliburton
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history--can
use
it
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loan.
So
don't
wait.
Card Connection’s Seal of approval.
Help your children open share savings accounts and encourCall us today at 800-368-2618 and we’ll get you
age them to add to them each week or month. Remember,
started on a credit union credit card. After all,
it's not the amount of the deposit that counts: It's establishing
creditlifelong
unions
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WH
405 N 7th
See
Halliburton
Employees’
Federal Credit Union now to start
your kids on the road to confident money management.
Advantages of A Halliburton
Employees’ FCU Credit Card
Emergency/Security
Fund –
Happy
StartUnion
Small, Think Big
Credit
Beefing up your emergency fund isn’t as hard as you
might think. The strategy is to start small. The payoff
is priceless: a healthy financial picture for you and
your family.
So how
do youday,
go and
fromyou're
$600 part
in savings
We're
celebrating
a special
of it.
to sixusmonths
of 15
living
expenses?International
Change your
mindJoin
October
to celebrate
Credit
set,
and
change
a
few
habits.
One
question
that
pops
Union Day with this year's theme "Your Money, Your
up frequently
“HowUnion."
can I build
emergency
fund
Choice,
Your is,
Credit
Youranmoney
is hardwhen I’m
trying
pay of
offeconomic
my debts?”
If you’re startearned,
and
in atotime
uncertainty,
it's
ing
from
scratch
with
your
emergency
fund,
build it
safe in the hands of Halliburton Employees’
Federal
up to one
or maybe
two 177
months
of living
expenses,
Credit
Union.
More than
million
people
worldand then
accelerate
credit
card Credit
payments
above
the
wide
belong
to a credit
union.
unions
don't
minimum
payments
required.
Once
you
have
paid
belong to shareholders hoping to turn a profit from
downcash.
your Credit
debt, unions
go backareand
boost payments
your
member-owned,
andto
your
emergency
fund
so
you
don’t
go
into
debt
again.
any earnings are returned to you in the form of better
rates
andfive
higher
full advantage of
Here are
waysearnings.
to boost Take
your emergency/security
your
union membership.
Meet
your borrowing
fund credit
and change
savings habits
for life:
and
savings
needs
with
our
member-friendly,
low-afTreat savings as a bill. Figure out what you can
priced
honorand
of stash
International
Credit
ford to services.
save eachInmonth
away $75,
$50,
Union Day we will be serving snacks and drinks
$25, or even $10 a month. No matter the amount,
at our Main location, our Duncan North Branch,
it adds up, and it’s habit-forming. As your situation
our Houston Branch, and our Carrollton Branch.
improves, increase the amount.
It's your money, and this International Credit Union
Round
say your
monthly
utility
payment
Day,
we up.
wantLet’s
to thank
you for
trusting
Halliburton
is $76.26 year-round.
Budget
If your
mortFederal Credit
Unionfor
to $80.
take care
of you.
Employees’
gage
payment
is
$967.89,
budget
for
$1,000.
These
We have only your best interests in mind. Let us know
amounts
easier,
andtoyou’ll
how
we're make
doing budgeting
and what we
can do
makehave
your a
bufferunion
at themembership
end of the month
applyCall
to your
emercredit
even to
better.
us today
gency
fund.
at 800-368-2618 or stop by on October 15 and say
hello.
We look
seeing using
you. your old income
Live one
raiseforward
behind.toBudget
Day 2009
and apply the extra amount to your emergency fund.
D or your checking
Automate it. IfRegulation
it’s not in your wallet
account,
you’re
less
to spend
it. Use
automatic
On
May 20,
2009,
thelikely
Federal
Reserve
published
a
transfers
to
savings.
Out
of
sight,
out
of
mind,
but
final rule amending the definition of “savings deposit”
inyou
Regulation
Theifresult
of this
change
know it’sD.
there
you really
need
it. is that the
transfer
limitations
of
“no
more
than
three
transfers oran
Give savings a garage-sale boost. Schedule
withdrawals by check, draft, debit card, or similar order
emergency-fund-dedicated spring-cleaning event.
payable to third parties” has been rolled into the overall
Go from room to room and purge stuff you no lonsix transfer limitation rule. In other words, transfers and
ger want and
need.
You’ll clean
house,
feelby
refreshed,
withdrawals
from
a savings
account
made
check,
and
boost
your
savings.
draft, debit card, or similar order payable to third parties
are
limited to six
transfers (instead
of three)
Thenow
professionals
at Halliburton
Employees’
FCUper
are
month
or
statement
cycle
or
at
least
four
weeks.
The
ready to help with all your savings needs. Call us at
rule
was effectiveto
30 set
daysup
after
publicationand
in the
Federal
800-368-2618
short-term
long-termRegister (July 2, 2009).
savings vehicles that fit your needs.