Money Matters
www.hefcu.org
Volume 104 lMarch 2016
Duncan Main Branch
703 S 9th St
Duncan, OK 73533
Phone: 580-255-3550
Fax: 580-255-3662
Duncan North Branch
2015 N HWY 81
Duncan, OK 73533
Phone: 580-251-9071
Fax: 580-251-9070
Houston
3000 N Sam Houston Pkwy E
Houston, TX 77032
Phone: 713-570-1307
Fax: 713-570-1310
Carrollton
2601 Beltline Rd
Carrollton, TX 75006
Phone: 972-820-7005
Fax: 972-820-7009
Elk City
105 Regional Drive
Elk City, OK 73644
Phone: 580-225-2690
Fax: 580-225-2695
Learn Your Credit Score for free!
For more than 10 years, consumers
have been able to get their credit reports for free
at AnnualCreditReport.com. Sponsored by the
federal government, the website allows you to
look at a detailed list of your financial history,
including payments and accounts, as reported by
the three big credit bureaus.
But until recently, it’s been much more
difficult to get a look at the number that lenders
look at when you apply for a loan or credit card to
decide how big a risk you pose. Now there are a
number of places to get your credit score for free.
Many card issuers are now providing
your FICO score for free. Your FICO score, which
ranges from 300 to 850, is the one used by the vast
majority of lenders in the United States, and more
than 50 million Americans can now find it on
their monthly credit card statements, according
to the Consumer Financial Protection Bureau.
More credit card issuers are offering free
FICO scores every day, due in part to pressure
from federal officials to do so. Call your credit
card provider and ask if it offers a way for you to
access your credit score for free.
A number of websites offer you your
credit score for free. One is savvymoney.com,
which in addition to providing you a free score
allows you to track and compare key data.
These free sites are supported by targeted
ads based on your credit situation. The credit score
these sites provide—while a good indicator of your
credit worthiness—is what’s called the VantageScore.
Not nearly as many lenders use that score as FICO.
Beware of sites that require your credit
card number to access your score–they’ll often
automatically enroll you in a trial membership.
Knowing your score—and being able to
monitor it in real time—is a powerful tool. Your
credit score not only determines whether you’ll be
approved for a loan, but it determines your interest
rate. An interest rate just a few points lower can
potentially save you thousands of dollars over the
life of the loan.
Even if you regularly check your credit
score, remember to check your credit report for free
three times a year at annualcreditreport.com for
any errors or accounts you didn’t open. Make one
request every four months in rotation among the
three credit agencies so you can monitor your credit
report year round.
Otherwise the first hint you’ll get that
anything is amiss is when your credit score drops
precipitously.
The Credit Union will be closed
Monday, May 30
in honor of Memorial Day
Important Account
Reminders
DO NOT RESPOND to e-mail scams that ask you
for your account number, credit card number and personal
identification numbers. E-mail messages asking for this type of
information are fraudulent and should be reported immediately.
Halliburton Employees’ Federal Credit Union will
never contact you and ask for this information. If you receive
a phone call asking for your personal information always
remember the following:
Never give out your account numbers, PINs or other
sensitive information by phone or e-mail unless you initiated
the contact and are sure who you are dealing with.
DO NOT write down passwords or PINs, but do
change them frequently.
DO NOT carry your Social Security Card in your
wallet.
DO SHRED any unneeded statements, receipts,
credit card offers and other documents containing personal or
financial information.
Visit the notices and links pages at www.hefcu.org
for more information and details to keep your accounts and
personal information safe.
Golf Tournament
The 8th Annual HEFCU Golf tournament is scheduled for
Monday, May 23, 2016 at the Territory Golf and Country Club, in
Duncan, OK.
The charitable event helps to raise funds for Relay for
Life, United Way and Childrens Miracle Network.
“We look forward to seeing our community come and
support our philantropic efforts,” state Chris Bower, President/
CEO of HEFCU.
The Territory is a beautiful golf course that has been
highly praised by top golf professionals. Team sponsorships are
limited, and filling up fast!
If you are interested in playing or sponsoring the
tournament contact Chris Bower at 800-368-2618 ext 131 or by
email at [email protected]. Or, simply fill out the registration
form below and send, along with your fee, to the mailing address
provided.
Personalize Home Banking to receive notifications and
alerts based on your preferences. With nine different account
alerts you can easily monitor transactions made on your accounts.
A full list of options to personalize Home Banking can be
found in the accounts tab and then click on account alerts. Set up
your Home Banking and get ready to get personalized service. You
are one step further in dramatically reducing the risk of fraud!
8th Annual Charity Golf Tournament
Monday, May 23, 2016 Team Sponsorship: $600.00, Hole Sponsorship: $250
Prizes – Closest to the Pin & Longest Drive (Men & Women)
Team Sponsorship includes 4 green fees, 2 golf cart rentals, lunch for four, eight drink coupons & four
goody bags. Registration Deadline is Friday, May 6, 2016
For more information, please contact Chris Bower at 800-368-2618 x 131 or [email protected]
Company: ________________________________________________________________________
Player Names (4):___________________________________________________________________
Daytime Phone:___________________________________________ _________________________
Entry Fee Must Be Sent With Registration. Please make checks payable to HEFCU.
Mail To: HEFCU Attn: Chris Bower 703 South 9th Street Duncan, OK, 73533