This Disclosure sets forth certain conditions and rates applicable to accounts at Hockley County School Employees Credit Union as of 03-04-24. Further details and additional information about the following accounts, including any applicable fees, are available by contacting Hockley County School Employees Credit Union at 806-894-6204. Rates are now based on member's credit scores. The following rates are based on an "A" score, which will be the best available rate. Credit scores that are not an "A" score will be higher than the rates listed below:

**All above rates are quoted based upon the loan payments being placed on either direct deposit, payroll deduction or an external monthly bank draft, as well as “A” credit score. Credit scores are considered to be an “A” score of 700 or more according to Experian. If the loan payments are not an “A” score, or not on direct deposit, payroll deduction, or an external monthly bank draft, the loan rates will be at a higher rate.