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Rates
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Savings
2nd QTR Rates- APY* Is Accurate As Of 06/30/08 |
Average Balance |
APY* |
| Share (Savings) |
$ 100.00 - $ 99,999.99 |
0.80% |
| Fees could reduce the
earnings on the account |
$ 100,000.00 and up |
0.90% |
| Clubs (Holiday and
Vacation) |
|
0.75% |
| I.R.A. (Individual
Retirement Account) |
$ 0.01 - $ 99,999.99 |
1.45% |
| Rates may change after
these accounts are open |
$ 100,000.00 and up |
2.05% |
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Investment
Club And IRA Certificate |
Term |
APY* |
| The APY* is accurate as
of 08/28/08 |
3 Months |
2.75% |
| Minimum deposit of $500.00 |
6 Months |
3.25% |
|
12 Months |
3.50% |
| Add On Investment Certificate |
13
Months |
3.50% |
| Bump Up Rate Investment Certificate |
15
Months |
3.50% |
|
24 Months |
4.15% |
|
60 Months |
4.75% |
| (Certificates $100,000.00 +) |
12 Months |
3.60% |
| Add On Investment Certificate |
13
Months |
3.60% |
| Bump Up Rate Investment Certificate |
15
Months |
3.60% |
|
24 Months |
4.25% |
| A penalty may be imposed for early
withdrawal of funds. |
60 Months |
4.85% |
|
|
|
Special
Limited Time
Offer - 9 month Investment Club Certificate |
4.00% |
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Checking
- APY* is accurate as of 08/01/08 |
Min Bal |
Monthly Fee |
APY* |
| Basic/Regular Share Draft |
None |
None |
None |
| Primetime Share Draft |
None |
None |
0.55% |
| Super Share Draft |
$ 2,000.00
|
$ 4.00 |
0.30% |
| Super Plus Share Draft -Linked |
$ 3,000.00
|
$ 5.00 |
0.40% |
|
| Rates
may change after the account is opened. |
| Fees
could reduce earnings |
|
|
|
|
|
Checking Line of Credit |
Credit Line |
APR** |
|
|
$ 500.00 - $ 10,000.00 |
13.88% |
|
|
|
|
|
Money Market |
Average
Daily Balance |
APY* |
| The APY is accurate as
of 08/28/08 |
$ 2,500.00
- $ 24,999.99 |
2.00% |
| Rates may change after |
$ 25,000.00 -
$ 49,999.99 |
2.25% |
| account is opened |
$ 50,000.00 -
$ 99,999.99 |
2.50% |
|
$ 100,000.00 and up |
2.75% |
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Loans |
Term |
Regular APR** |
|
| Signature |
1-3 Years |
10.49% |
|
| Signature |
4-5 Years |
11.49% |
|
| Debt. Consolidation |
1-3 Years |
10.49% |
|
| Debt. Consolidation |
4-5 Years |
11.49% |
|
| Special Purpose |
18 Months |
7.98% |
|
| Education Loans |
1-3 Years |
6.90% |
|
| Education Loans |
4-5 Years |
8.90% |
|
| Bridge |
90 Days |
11.75% |
|
| Share Secured |
1-5 Years |
4.00% |
|
| Share Certificate Secured |
1-5 Years |
Div.+2% |
|
| New Car |
1-3 Years |
5.49% |
|
| New Car |
4-6 Years |
5.99% |
|
| Refinanced Car |
1-3 Years |
5.49% |
|
| Refinanced Car |
4-6 Years |
5.99% |
|
| Used Car(1-3 Yrs Old) |
1-3 Years |
5.99% |
|
| Used Car (1-3 Yrs Old) |
4-5 Years |
5.99% |
|
| Used Car(4-6 Yrs Old) |
1-3 Years |
5.99% |
|
| Used Car (4-6 Yrs Old) |
4-5 Years |
5.99% |
|
| New Boat |
1-7 Years |
6.90% |
|
| New Motorcycle |
1-5 Years |
6.90% |
|
| New RV Motor Home |
1-7 Years |
6.90% |
|
| New RV Travel Trailers |
1-7 Years |
6.90% |
|
| New RV 5th Wheels |
1-7 Years |
6.90% |
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Real Estate Loans |
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| Mortgages, No
Points |
Term |
Conforming/Jumbo |
Rate |
| 1 Year ARM |
15 or 30 Years |
up to $417,000 |
4.000% |
| 1 Year ARM |
15 or 30 Years |
over $417,000 |
4.500% |
| 3/1 Year ARM |
15 or 30 Years |
up to $417,000 |
5.000% |
| 3/1 Year ARM |
15 or 30 Years |
over $417,000 |
5.500% |
| 5/1 Year ARM |
15 or 30 Years |
up to $417,000 |
5.500% |
| 5/1 Year ARM |
15 or 30 Years |
over $417,000 |
6.000% |
| 5/1 ARM w/ Fixed Option |
15 or 30 Years |
up to $417,000 |
5.750% |
| 5/1 ARM w/ Fixed Option |
15 or 30 Years |
over $417,000 |
6.250% |
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Home Equity, Second Mortgages up to
90% Loan To Value (No closing costs, in most instances except for state and
/ or county mortgage filing tax. |
| up to 90% LTV |
5 Years |
First year at Prime minus 1¼%,
then Prime adjusted
annually |
| up to 90% LTV |
10 Years |
First year at Prime minus
1¼%, then Prime adjusted
annually |
| up to 90% LTV |
15 Years |
First year at Prime minus
1¼%, then Prime adjusted
annually |
| 91% - 100% LTV |
5 Years |
First year at Prime minus ¼%, then Prime +
1% adjusted
annually |
| 91% - 100% LTV |
10 Years |
First year at Prime minus
¼%, then Prime +
1% adjusted
annually |
| 91% - 100% LTV |
15 Years |
First year at Prime minus
¼%, then Prime +
1% adjusted
annually |
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| Smart Fixed Rate Equity Loans ($75,000.00 Max
Loan Amount) |
| Up to 80% LTV |
5 Years |
6.250% |
| Up to 80% LTV |
10 Years |
6.750% |
| |
| Smart Home Equity Loan ($75,000.00 Max Loan
Amount) |
| up to 80% LTV |
Max 10 Years |
First year at Prime minus
1¼%,
then Prime minus 1%
adjusted Annually. Max cap (18%) |
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| Home Equity Line of Credit
|
|
|
| up to 90% LTV |
25 Years |
First year at Prime minus ½%, then Prime adjusted
annually maximum cap (12%) |
| 91% - 100% LTV |
25 Years |
First year at Prime plus ½%, then Prime
plus 1%
adjusted annually maximum cap (12%) |
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| Smart Home Equity Line of Credit ($75,000.00 Max. Loan
Amount) |
| up to 80% LTV |
15 Years |
First year at Prime minus ¾%,
then Prime minus ¼%
adjusted Annually. Max cap (18%) |
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VISA and MasterCard Classic
$500,000 in Worldwide Travel Accident Insurance is provided at no
additional cost to the cardholder.
The current APR** is 13.88%
MasterCard Gold
$500,000 in
Worldwide Travel Accident Insurance is provided at no additional cost to
the cardholder. The current APR** is 11.99%
VISA Platinum
$1,000.000
in Worldwide Travel Accident Insurance is provided at no additional cost to the
cardholder. The current APR** is 9.99%
- *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 $100,000
or HIGHER UNDER
CERTAIN
CIRCUMSTANCES.
- RETIREMENT ACCOUNTS ARE INSURED SEPARATELY
UP TO $250,000.
- PLEASE CONTACT AN ABE EMPLOYEE FOR FURTHER INFORMATION ABOUT APPLICABLE
FEES
AND TERMS.
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