Newsletter and Rates

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Savings

Rates are accurate as of 10/01/13 (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.

Description Average Balance APY*
Share (Savings) $100.00 – $99,999.99 0.10%
Share (Savings) $100,000.00 and up 0.20%
Clubs (Holiday and Vacation) $0.01 and up 0.10%
IRA (Individual Retirement Account) $0.01 – $99,999.99 0.40%
IRA (Individual Retirement Account) $100,000.00 and up 0.55%

Investment Club and IRA Certificates

Rates are accurate as of 02/27/14

Rates Subject to Change Without Notice. A penalty will be imposed in most instances for early withdrawal of funds. Learn More.

Description Term APY*
($500 and up) 3 Months 0.20%
($500 and up) 6 Months 0.30%
($500 – $99,999.99) 12 Months 0.50%
($500 – $99,999.99) Add on 13 Months 0.50%
($500 – $99,999.99) Bump Up 15 Months 0.50%
($500 – $99,999.99) 24 Months 0.65%
($500 – $99,999.99) 60 Months 1.30%
($100,000.00 – $249,999.99) 12 Months 0.50%
($100,000.00 – $249,999.99) Add on 13 Months 0.50%
($100,000.00 – $249,999.99) Bump up 15 Months 0.50%
($100,000.00 – $249,999.99) 2 Years 0.65%
($100,000.00 – $249,999.99) 5 Years 1.30%
($250,000.00 and up) 12 Month 0.50%
($250,000.00 and up) Add on 13 Months 0.50%
($250,000.00 and up) Bump up 15 Months 0.50%
($250,000.00 and up) 2 Years 0.65%
($250,000.00 and up) 5 Years 1.30%

Checking

Rates are accurate as of 02/01/14

Rates Subject to Change After the Account is Opened.
Fees could reduce earnings.

Checking Account Type Min. Balance Monthly Fee APY*
Basic/Regular Share Draft None None None
Primetime Share Draft None None 0.05%
Super Share Draft $2000.00 $4.00 0.05%
Super Plus Share Draft – Linked $3,000.00 $5.00 0.05%

Checking Line of Credit

Credit Line APR**
$500.00 – $10,000.00 13.88%

Money Market

Rates are accurate as of 02/27/14

Rates Subject to Change After the Account is Opened.

Average Daily Balance APY*
$2,500.00 – $24,999.99 0.20%
$25,000.00 – $49,999.99 0.30%
$50,000.00 – $99,999.99 0.30%
$100,000.00 -$249,999.99 0.40%
$250,000.00 and over 0.50%

Loans

Loan Type Auto-Pay***
APR**
Monthly Payment
Per $1000 Borrowed
Maximum Terms
(Months)
New & Used Vehicle (1 to 6 Years Old) 1.99% $17.75  up to 60
New & Used Vehicle (1 to 6 Years Old) 3.49% $15.42 72
New & Used Vehicle (1 to 6 Years Old) 3.99% $13.67 84
Used Vehicle (7 Years Old) 2.49% $28.86 36
Used Vehicle (7 Years Old) 2.99% $17.97 60
Used Vehicle (7 Years Old) 3.99% $15.64 72
New & Used Vehicle(Driving Sense™) 3.49% $18.19 up to 60
New & Used Vehicle(Driving Sense™) 4.49% $15.87 72
New Motorcycle, Boat, RV 4.99% $18.87 up to 60
Signature 5.25% $85.71 12
Signature 5.99% $44.24 24
Signature 6.49% $30.64 36
Signature 9.99% $21.24 60
Debt Consolidation 9.49% $32.02 36
Debt Consolidation 9.99% $21.24 60
Special Purpose 5.49% $57.93 18
Education 6.90% $19.76 60
Shared Secured Dividend + 2% $17.58 60
Share Certificate Secured Dividend + 2% $17.58 60

Credit Cards

Card Type Credit Lines APR**
VISA Platinum $7,500 to $25,000 9.99%
MasterCard Gold $2,500 to $7,499 11.99%
VISA Classic $250 to $2,499 13.88%
MasterCard Classic $250 to $2,499 13.88%

Mortgages

No Points
No Prepayment Penalty

Mtg.
Type
Term Conform
/ Jumbo
Rate APR*
1 Year ARM 15 or 30 Yrs. Up to $417,000 2.000% 2.961%
1 Year ARM 15 or 30 Yrs. Over $417,000 2.500% 3.463%
2/2 Year ARM 15 or 30 Yrs. Up to $417.000 2.250% 2.935%
2/2 Yr ARM 15 or 30 Yrs. Over $417,000 2.750% 3.437%
3/1 Yr ARM 15 or 30 Yrs. Up to $417,000 2.500% 2.946%
3/1 Yr ARM 15 or 30 Yrs. Over $417,000 3.000% 3.449%
5/1 Yr ARM 15 or 30 Yrs. Up to $417,000 3.000% 3.073%
5/1 Yr ARM 15 or 30 Yrs. Over $417,000 3.500% 3.578%
7/1 Yr ARM 15 or 30 Yrs. Up to $417,000 3.500% 3.323%
7/1 Yr ARM 15 or 30 Yrs. Over $417,000 4.000% 3.833%

Home Equity Loan Second Mortgages up to 80% Loan To Value

No closing costs, in most instances except for state and/or county mortgage filing tax (where applicable)
No prepayment penalties

Combined Loan to Value Term APR**
Up to 80% CLTV 5 Years 3.750%, then Prime Adjusted annually
Maximum Rate 12%
Up to 80% CLTV 10 Years 3.750%, then Prime Adjusted annually
Maximum Rate 12%
Up to 80% CLTV 15 Years 3.750%, then Prime Adjusted annually
Maximum Rate 12%

Smart Fixed Rate Equity Loans

$75,000 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 Value Term APR**
Up to 80% CLTV 5 Years 4.000%
Up to 80% CLTV 10 Years 5.250%

Smart Home Equity Loan

Max Loan Amount: $75,000
No prepayment penalties
No closing costs, in most instances except for state and/or county mortgage filing tax (where applicable)

Combined Loan to Value Term APR**
Up to 80% CLTV Max 10 Years 3.250%, then Prime minus 1% adjusted annually.
Max Rate (18%)

Home Equity Line of Credit

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 Value Term APR**
Up to 80% CLTV 25 Years 2.750%, then Prime adjusted annually.
Max Rate (12%)

Smart Home Equity Line of Credit

Max Loan Amount: $75,000
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 Value Term APR**
Up to 80% CLTV 15 Years 2.250%, 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 3.75% APR ,and the smart home equity lines credit floor is 3.25% APR, after the first year promotional rate.

***Auto-Pay: When direct deposit or automatic payroll deduction is utilized as the method of loan repayment. Annual percentage rates will increase by 1/4% after consummation if automatic payroll deduction or direct deposit is cancelled. 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)