Newsletter and Rates

Savings

Rates are accurate as of 12/31/22 (3nd 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 12/23/2022

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 Months0.75%
($500 and up)6 Months1.00%
($500 - $99,999.99)12 Months1.65%
($500 - $99,999.99) Add on13 Months1.65%
($500 - $99,999.99) Bump Up15 Months1.65%
($500 - $99,999.99)24 Months1.90%
($500 - $99,999.99)60 Months2.00%
   
($100,000.00 - $249,999.99)12 Months1.65%
($100,000.00 - $249,999.99) Add on13 Months1.65%
($100,000.00 - $249,999.99) Bump up15 Months1.65%
($100,000.00 - $249,999.99)2 Years1.90%
($100,000.00 - $249,999.99)5 Years2.00%
   
($250,000.00 and up)12 Months1.65%
($250,000.00 and up) Add on13 Months1.65%
($250,000.00 and up) Bump up15 Months1.65%
($250,000.00 and up)2 Years1.90%
($250,000.00 and up)5 Years2.00%

Checking

Rates are accurate as of 12/1/2022

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

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

Money Market

Rates are accurate as of 12/23/2022

Rates Subject to Change After the Account is Opened.
Average Daily BalanceAPY*
$2,500.00 - $24,999.990.50%
$25,000.00 - $49,999.990.85%
$50,000.00 - $99,999.991.15%
$100,000.00 -$249,999.991.25%
$250,000.00 and over1.50%

Loans

Loan TypeAPR**Monthly Payment
Per $1000 Borrowed
Maximum Terms
(Months)
New Vehicle5.25%$30.08 up to 36
New Vehicle5.25%$23.1448
New Vehicle5.47%$19.0960
New Vehicle5.47%$16.3272
New Vehicle6.02%$14.6284
Used Vehicle (1 to 3 Years Old)5.95%$30.40up to 36
Used Vehicle (1 to 3 Years Old)5.95%$23.4648
Used Vehicle (1 to 3 Years Old)5.95%$19.3160
Used Vehicle (1 to 3 Years Old)6.17%$16.6572
Used Vehicle (1 to 3 Years Old)7.17%$15.1884
Used Vehicle (4 to 5 Years Old)5.95%$30.40up to 36
Used Vehicle (4 to 5 Years Old)5.95%$23.4648
Used Vehicle (4 to 5 Years Old)5.95%$19.3160
Used Vehicle (4 to 5 Years Old)7.04%$17.0772
Used Vehicle (6 to 7 Years Old)6.95%$30.85up to 36
Used Vehicle (6 to 7 Years Old)7.20%$24.0448
Used Vehicle (6 to 7 Years Old)7.29%$19.9460
New & Used Motorcycle, Boat, RV4.99%$18.87up to 60
Signature5.25%$85.7412
Signature5.49%$44.1024
Signature5.99%$30.4336
Signature7.24%$19.9360
Signature9.99%$18.5372
Debt Consolidation9.49%$32.0436
Debt Consolidation9.99%$21.2660
Special Purpose5.49%$57.9318
Education6.90%$19.6060
Shared SecuredDividend + 2%180
Share Certificate SecuredDividend + 2%180

Credit Cards

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

Mortgages

NMLS#615164
No Points
No Prepayment Penalty
Mtg. TypeTermConform
Jumbo
RateAPR**
1 Year ARM15 or 30 Yrs.Up to $647,7504.500%6.754%
1 Year ARM15 or 30 Yrs.Over $647,7505.000%7.253%
2/1 Yr ARM15 or 30 Yrs.Up to $647,7504.750%6.799%
2/1 Yr ARM15 or 30 Yrs.Over $647,7505.250%7.300%
3/1 Yr ARM15 or 30 Yrs.Up to $647,7505.250%6.594%
3/1 Yr ARM15 or 30 Yrs.Over $647,7505.750%7.090%
5/1 Yr ARM15 or 30 Yrs.Up to $647,750 5.750%6.575%
5/1 Yr ARM15 or 30 Yrs.Over $647,7506.250%7..072%

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 ValueTermAPR**
Up to 75% CLTV5 Years4.500%, then Prime Adjusted annually
Maximum Rate 12%
Up to 75% CLTV10 Years4.500%, then Prime Adjusted annually
Maximum Rate 12%
Up to 75% CLTV15 Years4.500%, then Prime Adjusted annually
Maximum Rate 12%

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 ValueTermAPR**
Up to 75% CLTV5 Years5.750%
Up to 75% CLTV10 Years6.750%

Smart Home Equity Loan

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 Years4.500%, 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 ValueTermAPR**
Up to 75% CLTV25 Years4.000%, then Prime adjusted annually. Max Rate (12%)

Smart Home Equity Line of Credit

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 Years4.250%, 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.

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)