Newsletter and Rates

Savings

Rates are accurate as of 12/31/23 (4th Quarter Rates)

Rates Subject to Change Without Notice. Fees could reduce the earnings on the account. Rates may change after these accounts are open.
DescriptionAverage BalanceAPY*
Share (Savings)$100.00 - $99,999.990.05%
Share (Savings)$100,000.00 and up0.10%
Clubs (Holiday and Vacation)$0.01 and up0.10%
IRA (Individual Retirement Account)$0.01 - $99,999.990.30%
IRA (Individual Retirement Account)$100,000.00 and up0.40%

Investment Share and IRA Certificates

Rates are accurate as of 10/24/2023

Rates Subject to Change Without Notice. A penalty will be imposed in most instances for early withdrawal of funds. Learn More.
DescriptionTermAPY*
($500 and up)3 Months1.00%
($500 and up)6 Months3.00%
(($500 and up)12 Months3.00%
($500 and up)
Add on
13 Months3.00%
($500 and up)
Bump Up
15 Months3.00%
($500 and up)24 Months3.50%
($500 and up)60 Months3.00%
 ($500 and up)13 Month Special!4.50%

Checking

Rates are accurate as of 2/1/2024

Rates Subject to Change After the Account is Opened. Fees could reduce earnings.
Checking Account TypeMin. BalanceMonthly FeeAPY*
Basic/Regular Share DraftNoneNoneNone
Primetime Share DraftNoneNone0.05%
Super Share Draft$2000.00$4.000.05%
Super Plus Share Draft - Linked$3,000.00$5.000.05%


Checking Line of Credit - Rates Subject to Change Without Notice.

Credit LineMonthly Payment
Per $1000 Borrowed
APR**
$500.00 - $10,000.00$15.2913.88%

Money Market

Rates are accurate as of 8/25/2023

Rates Subject to Change After the Account is Opened.
Average Daily BalanceAPY*
$2,500.00 - $24,999.990.50%
$25,000.00 - $49,999.990.90%
$50,000.00 - $99,999.991.35%
$100,000.00 -$249,999.991.50%
$250,000.00 and over2.00%

Loans - Rates Subject to Change Without Notice.

Loan TypeAPR**Monthly Payment
Per $1000 Borrowed
Maximum Terms
(Months)
New Vehicle6.49%$30.65 up to 36
New Vehicle6.49%$23.7248
New Vehicle6.49%$19.5760
New Vehicle7.24%$17.1772
New Vehicle7.49%$15.3484
Used Vehicle (1 to 3 Years Old)7.12%$30.95up to 36
Used Vehicle (1 to 3 Years Old)7.12%$24.0148
Used Vehicle (1 to 3 Years Old)7.12%$19.8760
Used Vehicle (1 to 3 Years Old)7.37%$17.2472
Used Vehicle (1 to 3 Years Old)7.89%
$15.5484
Used Vehicle (4 to 5 Years Old)7.12%$30.95up to 36
Used Vehicle (4 to 5 Years Old)7.12%$24.0148
Used Vehicle (4 to 5 Years Old)7.12%$19.8760
Used Vehicle (4 to 5 Years Old)8.21%$17.6572
Used Vehicle (6 to 7 Years Old)8.35%$31.51up to 36
Used Vehicle (6 to 7 Years Old)8.60%$24.7148
Used Vehicle (6 to 7 Years Old)8.69%$20.6260
New & Used Motorcycle, Boat, RV7.99%$20.28
up to 60
Signature7.75%$86.5612
Signature7.99%$45.2424
Signature8.49%$31.5236
Signature10.74%$21.5260
Debt Consolidation11.49%$22.0060
Special Purpose7.99%$58.15
18
Education8.40%$20.4860
Shared SecuredDividend + 2%180
Share Certificate SecuredDividend + 2%180

Credit Cards - Rates Subject to Change Without Notice.

Card TypeCredit LinesAPR**
VISA Platinum$5,000 to $15,0009.99%
VISA Classic$250 to $4,99913.88%

Mortgages - Rates Subject to Change Without Notice.

NMLS#615164
No Points
No Prepayment Penalty
Mtg. TypeTermConform
Jumbo
RateAPR**
1 Year ARM15 or 30 Yrs.Up to $726,2005.500%7.672%
1 Year ARM15 or 30 Yrs.Over $726,2006.000%8.171%
2/1 Yr ARM15 or 30 Yrs.Up to $726,2005.750%7.715%
2/1 Yr ARM15 or 30 Yrs.Over $726,2006.250%8.215%
3/1 Yr ARM15 or 30 Yrs.Up to $726,2006.000%7.447%
3/1 Yr ARM15 or 30 Yrs.Over $726,2006.500%7.942%
5/1 Yr ARM15 or 30 Yrs.Up to $726,200 6.250%7.306%
5/1 Yr ARM15 or 30 Yrs.Over $726,2006.750%7.800%

Home Equity Loan Second Mortgages up to 75% Loan To Value - Rates Subject to Change Without Notice.

No closing costs, in most instances except for state and/or county mortgage filing tax (where applicable)
No prepayment penalties
Combined Loan to ValueTermAPR**
Up to 75% CLTV15 Years6.500%, then Prime Adjusted annually
Maximum Rate 18%

Smart Fixed Rate Equity Loans - Rates Subject to Change Without Notice.

$100,000 Max Loan Amount.
No prepayment penalties
No closing costs, in most instances except for state and/or county mortgage filing tax (where applicable)
Combined Loan to ValueTermAPR**
Up to 75% CLTV5 Years7.500%
Up to 75% CLTV10 Years8.500%

Smart Home Equity Loan - Rates Subject to Change Without Notice.

Max Loan Amount: $100,000
No prepayment penalties
No closing costs, in most instances except for state and/or county mortgage filing tax (where applicable)
Combined Loan to ValueTermAPR**
Up to 75% CLTVMax 10 Years6.500%, then Prime minus 1% adjusted annually.
Max Rate (18%)

Home Equity Line of Credit - Rates Subject to Change Without Notice.

No prepayment penalties
Interest only minimum payments for the first 10 years
No closing costs, in most instances except for state and/or county mortgage filing tax (where applicable)
Combined Loan to ValueTermAPR**
Up to 75% CLTV25 Years6.000%, then Prime adjusted annually. Max Rate (18%)

Smart Home Equity Line of Credit - Rates Subject to Change Without Notice.

Max Loan Amount: $100,000
No prepayment penalties
Interest only minimum payments for the first 5 years
No closing costs, in most instances except for state and/or county mortgage filing tax (where applicable)
Combined Loan to ValueTermAPR**
Up to 75% CLTV15 Years6.250%, then Prime Minus 1 adjusted annually. Max Rate (18%)

 

Please note that the start rate (1st year rate) is the floor rate or the lowest rate the loan will ever have. This pertains to all ABE mortgages and equity loans.
The floor rate for the home equity lines of credit after the first year promotional rate is 6.00% APR, and the smart home equity lines credit floor is 6.25% APR, after the first year promotional rate.

Rates shown are the lowest rates offered for the products advertised. Applicants who do not qualify at these rates and terms may be offered credit at a higher rate and/or with different terms. All extensions of credit are subject to credit approval.

  • *APY = ANNUAL PERCENTAGE YIELD
  • **APR=ANNUAL PERCENTAGE RATE
  • ALL RATES/YIELDS ARE SUBJECT TO CHANGE AT ANY TIME.
  • ACCOUNTS FEDERALLY INSURED THROUGH N.C.U.A. TO AT LEAST $250,000.00
  • RETIREMENT ACCOUNTS ARE INSURED SEPARATELY TO AT LEAST $250,000.00
  • PLEASE CONTACT AN ABE EMPLOYEE FOR FURTHER INFORMATION ABOUT APPLICABLE
    FEES AND TERMS.
  • CLTV = COMBINED LOAN TO VALUE (1st plus 2nd Mortgage divided by Appraised Value)