Newsletter and Rates

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Savings

Rates are accurate as of 01/01/13 (1st QTR. 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 4/25/13

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 0.40%
($500 – $99,999.99) Add on 13 Months 0.40%
($500 – $99,999.99) Bump Up 15 Months 0.40%
($500 – $99,999.99) 24 Months 0.55%
($500 – $99,999.99) 60 Months 1.05%
($100,000.00 – $249,999.99) 12 Months 0.40%
($100,000.00 – $249,999.99) Add on 13 Months 0.40%
($100,000.00 – $249,999.99) Bump up 15 Months 0.40%
($100,000.00 – $249,999.99) 2 Years 0.55%
($100,000.00 – $249,999.99) 5 Years 1.05%
($250,000.00 and up) 12 Month 0.40%
($250,000.00 and up) Add on 13 Months 0.40%
($250,000.00 and up) Bump up 15 Months 0.40%
($250,000.00 and up) 2 Years 0.55%
($250,000.00 and up) 5 Years 1.05%

Checking

Rates are accurate as of 04/01/13

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 04/25/13

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 Term APR**
Signature 1 Year 5.25%
Signature 2 Years 5.99%
Signature 3 Years 6.49%
Signature 4-5 Years 9.99%
Debt Consolidation 1-3 Years 9.49%
Debt Consolidation 4-5 Years 9.99%
Special Purpose 18 Months 5.49%
Education Loans 1-3 Years 6.90%
Education Loans 4-5 Years 6.90%
Bridge 90 Days 9.90%
Shared Secured 1-5 Years Div. +2%
Share Certificate Secured 1-5 Years Div. +2%
New Car 1-3 Years 1.99%
New Car 4-5 Years 2.49%
New Car 6-7 Years 3.49%
Refinanced Car 1-3 Years 1.99%
Refinanced Car 4-5 Years 2.49%
Refinanced Car 6-7 Years 3.49%
Used Car (1-6 Yrs Old) 1-3 Years 1.99%
Used Car (1-6 Yrs Old) 4-5 Years 2.49%
Used Car (1-6 Yrs Old) 6 Years 3.49%
Used Car (7 Yrs Old) 1-3 Years 2.49%
Used Car (7 Yrs Old) 4-5 Year 2.99%
Used Car (7 Yrs Old) 6 Years 3.99%
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%

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 Years Up to $417,000 2.000% 3.009%
1 Year ARM 15 or 30 Yrs. Over $417,000 2.500% 3.511%
2/2 Year ARM 15 or 3o Yrs. Up to $417.000 2.250% 2.979%
2/2 Yr ARM 15 or 30 Yrs. Over $417,000 2.750% 3.481%
3/1 Yr ARM 15 or 30 Yrs. Up to $417,000 2.625% 3.015%
3/1 Yr ARM 15 or 30 Yrs. Over $417,000 3.125% 3.518%
5/1 Yr ARM 15 or 30 Yrs. Up to $417,000 2.875% 3.064%
5/1 Yr ARM 15 or 30 Yrs. Over $417,000 3.375% 3.568%
7/1 Yr ARM 15 or 30 Yrs. Up to $417,000 3.500% 3.351%
7/1 Yr ARM 15 or 30 Yrs. Over $417,000 4.000% 3.861%

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.

  • *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. UP TO $250,000 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.
  • CLTV = COMBINED LOAN TO VALUE (1st plus 2nd Mortgage divided by Appraised Value)