Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
NCUA
National Credit Union Administration, a U.S. Government Agency
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| Share/Savings Accounts | | | | | Share Accounts | |
| | Share Plus | 1.25 Div. Rate | 1.26 APY * | | must maintain $15,000 or above | | All Shares | .50 Div. Rate | .50 APY * | | must maintain $10.00 to keep open | | | | | Share Certificate Accounts | |
| | 6 month CD | 1.75 Div. Rate | 1.76 APY * | | 3 month early withdrawal penalty, $500 minimum | | |
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| Loan Accounts | | | | | Unsecured Loans (Signature) | |
| | Repayments based on amounts | 14.00% APR | up to 36 months | | $500 Minimum $6000 Maximum | | Education Loans | 7.00% APR | up to 48 months | | see requirements | | | | | Share-Secured Loans | |
| | share-secured | 3.50% APR | up to 72 months | | see requirements | | | | | Vehicle Loans | |
| | New Cars & Motorcycles | 4.95% APR | up to 72 months | | see requirements | | Used Car 4 years old or newer | 5.25% APR | up to 60 months | | | | | REQUIREMENTS: All personal loans cannot exceed $6,000.00. Any combination of loans cannot exceed $35,000.00. All loans are subject to debt ratio not to exceed 36%. Car loans must have collision and comprehensive insurance with a maximum deductible of $500.00. Proof of insurance must be provided by the Insurance Company with The Hurlbut Employees Federal Credit Union listed as loss payee. The Credit Union must be listed as first leinholder on the Title. The Title will be held in the member’s file until the loan is repaid, or otherwise released by the Credit Committee. Credit Disability insurance may be purchased on all loans by the members up to 66 years of age (preexisting clause exists). | | |
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| Fees & Disclosures | | | | | Deposit Account Fees | |
| | Quarterly Statements | FREE | | Acct. Activity Printout Current Period | $2.00 | | Acct. Activity Printout Prior Period | $4.00 | | Research | $25.00/hr. plus $3.00 per page (1 hr. minimum) | | Dormant Account >3 years | $20.00 | | Returned Deposit Item | $25.00 | | | | | Loan Account Fees | |
| | Late fee >15 days | $15.00 | | | | | Miscellaneous Fees | |
| | Legal Processing | $25.00 | | Notary fee members | FREE | | Notary fee non-members | $1.00 | | |
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