Newsletter and Rates
Savings
Rates are accurate as of 3/31/23 (1st 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 | 0.05% |
Share (Savings) | $100,000.00 and up | 0.10% |
Clubs (Holiday and Vacation) | $0.01 and up | 0.10% |
IRA (Individual Retirement Account) | $0.01 - $99,999.99 | 0.30% |
IRA (Individual Retirement Account) | $100,000.00 and up | 0.40% |
Investment Share and IRA Certificates
Rates are accurate as of 05/15/2023Rates 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 | 1.00% |
($500 and up) | 6 Months | 1.50% |
(($500 and up) | 12 Months | 2.50% |
($500 and up) Add on | 13 Months | 2.50% |
($500 and up) Bump Up | 15 Months | 2.50% |
($500 and up) | 24 Months | 2.75% |
($500 and up) | 60 Months | 3.00% |
($500 and up) | 13 Month Special! | 4.00% |
Checking
Rates are accurate as of 4/1/2023
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 | Monthly Payment Per $1000 Borrowed | APR** |
---|---|---|
$500.00 - $10,000.00 | $15.29 | 13.88% |
Money Market
Rates are accurate as of 5/11/2023Rates Subject to Change After the Account is Opened.
Average Daily Balance | APY* |
---|---|
$2,500.00 - $24,999.99 | 0.50% |
$25,000.00 - $49,999.99 | 0.90% |
$50,000.00 - $99,999.99 | 1.35% |
$100,000.00 -$249,999.99 | 1.45% |
$250,000.00 and over | 1.75% |
Loans
Loan Type | APR** | Monthly Payment Per $1000 Borrowed | Maximum Terms (Months) |
---|---|---|---|
New Vehicle | 5.25% | $30.08 | up to 36 |
New Vehicle | 5.25% | $23.14 | 48 |
New Vehicle | 5.47% | $19.09 | 60 |
New Vehicle | 5.47% | $16.32 | 72 |
New Vehicle | 6.02% | $14.62 | 84 |
Used Vehicle (1 to 3 Years Old) | 5.95% | $30.40 | up to 36 |
Used Vehicle (1 to 3 Years Old) | 5.95% | $23.46 | 48 |
Used Vehicle (1 to 3 Years Old) | 5.95% | $19.31 | 60 |
Used Vehicle (1 to 3 Years Old) | 6.17% | $16.65 | 72 |
Used Vehicle (1 to 3 Years Old) | 7.17% | $15.18 | 84 |
Used Vehicle (4 to 5 Years Old) | 5.95% | $30.40 | up to 36 |
Used Vehicle (4 to 5 Years Old) | 5.95% | $23.46 | 48 |
Used Vehicle (4 to 5 Years Old) | 5.95% | $19.31 | 60 |
Used Vehicle (4 to 5 Years Old) | 7.04% | $17.07 | 72 |
Used Vehicle (6 to 7 Years Old) | 6.95% | $30.85 | up to 36 |
Used Vehicle (6 to 7 Years Old) | 7.20% | $24.04 | 48 |
Used Vehicle (6 to 7 Years Old) | 7.29% | $19.94 | 60 |
New & Used Motorcycle, Boat, RV | 4.99% | $18.87 | up to 60 |
Signature | 5.25% | $85.74 | 12 |
Signature | 5.49% | $44.10 | 24 |
Signature | 5.99% | $30.43 | 36 |
Signature | 7.99% | $19.93 | 60 |
Signature | 9.99% | $19.93 | 72 |
Debt Consolidation | 9.49% | $32.04 | 36 |
Debt Consolidation | 9.99% | $21.26 | 60 |
Special Purpose | 5.49% | $57.93 | 18 |
Education | 6.90% | $19.60 | 60 |
Shared Secured | Dividend + 2% | 180 | |
Share Certificate Secured | Dividend + 2% | 180 |
Credit Cards
Card Type | Credit Lines | APR** |
---|---|---|
VISA Platinum | $5,000 to $15,000 | 9.99% |
VISA Classic | $250 to $4,999 | 13.88% |
Mortgages
NMLS#615164No Points
No Prepayment Penalty
Mtg. Type | Term | Conform Jumbo | Rate | APR** |
---|---|---|---|---|
1 Year ARM | 15 or 30 Yrs. | Up to $647,750 | 4.750% | 7.313% |
1 Year ARM | 15 or 30 Yrs. | Over $647,750 | 5.250% | 7.810% |
2/1 Yr ARM | 15 or 30 Yrs. | Up to $647,750 | 5.000% | 7.359% |
2/1 Yr ARM | 15 or 30 Yrs. | Over $647,750 | 5.500% | 7.858% |
3/1 Yr ARM | 15 or 30 Yrs. | Up to $647,750 | 5.250% | 7.041% |
3/1 Yr ARM | 15 or 30 Yrs. | Over $647,750 | 5.750% | 7.533% |
5/1 Yr ARM | 15 or 30 Yrs. | Up to $647,750 | 5.750% | 6.948% |
5/1 Yr ARM | 15 or 30 Yrs. | Over $647,750 | 6.250% | 7.440% |
Home Equity Loan Second Mortgages up to 75% 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 75% CLTV | 5 Years | 4.500%, then Prime Adjusted annually Maximum Rate 18% |
Up to 75% CLTV | 10 Years | 4.500%, then Prime Adjusted annually Maximum Rate 18% |
Up to 75% CLTV | 15 Years | 4.500%, then Prime Adjusted annually Maximum Rate 18% |
Smart Fixed Rate Equity Loans
$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 Value | Term | APR** |
---|---|---|
Up to 75% CLTV | 5 Years | 6.500% |
Up to 75% CLTV | 10 Years | 7.250% |
Smart Home Equity Loan
Max Loan Amount: $100,000No 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 75% CLTV | Max 10 Years | 4.500%, then Prime minus 1% adjusted annually. Max Rate (18%) |
Home Equity Line of Credit
No prepayment penaltiesInterest 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 75% CLTV | 25 Years | 4.000%, then Prime adjusted annually. Max Rate (18%) |
Smart Home Equity Line of Credit
Max Loan Amount: $100,000No 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 75% CLTV | 15 Years | 4.250%, then Prime Minus 1 adjusted annually. Max Rate (18%) |
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)