Newsletter and Rates

Savings

Rates are accurate as of 7/1/22 (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 9/22/2022

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 Months0.30%
($500 and up)6 Months0.50%
($500 - $99,999.99)12 Months0.75%
($500 - $99,999.99) Add on13 Months0.75%
($500 - $99,999.99) Bump Up15 Months0.75%
($500 - $99,999.99)24 Months1.00%
($500 - $99,999.99)60 Months1.25%
   
($100,000.00 - $249,999.99)12 Months0.75%
($100,000.00 - $249,999.99) Add on13 Months0.75%
($100,000.00 - $249,999.99) Bump up15 Months0.75%
($100,000.00 - $249,999.99)2 Years1.00%
($100,000.00 - $249,999.99)5 Years1.25%
   
($250,000.00 and up)12 Months0.75%
($250,000.00 and up) Add on13 Months0.75%
($250,000.00 and up) Bump up15 Months0.75%
($250,000.00 and up)2 Years1.00%
($250,000.00 and up)5 Years1.25%

Checking

Rates are accurate as of 9/1/2022

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 9/22/2022

Rates Subject to Change After the Account is Opened.
Average Daily BalanceAPY*
$2,500.00 - $24,999.990.50%
$25,000.00 - $49,999.990.60%
$50,000.00 - $99,999.990.70%
$100,000.00 -$249,999.991.00%
$250,000.00 and over1.00%

Loans

Loan TypeAPR**Monthly Payment
Per $1000 Borrowed
Maximum Terms
(Months)
New Vehicle4.86%$29.91 up to 36
New Vehicle4.86%$22.97
48
New Vehicle4.86%$18.8160
New Vehicle5.01%$16.1272
New Vehicle5.81%$14.5284
Used Vehicle (1 to 3 Years Old)5.61%$30.25up to 36
Used Vehicle (1 to 3 Years Old)5.61%$23.3148
Used Vehicle (1 to 3 Years Old)5.61%$19.1660
Used Vehicle (1 to 3 Years Old)5.67%$16.4272
Used Vehicle (1 to 3 Years Old)6.67%$14.9484
Used Vehicle (4 to 5 Years Old)5.61%$30.25up to 36
Used Vehicle (4 to 5 Years Old)5.61%$23.2648
Used Vehicle (4 to 5 Years Old)5.61%$19.1660
Used Vehicle (4 to 5 Years Old)6.70%$16.9172
Used Vehicle (6 to 7 Years Old)6.61%$30.67up to 36
Used Vehicle (6 to 7 Years Old)6.86%$23.8948
Used Vehicle (6 to 7 Years Old)6.95%$19.7860
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 $647,7504.000%5.880%
1 Year ARM15 or 30 Yrs.Over $647,7504.500%6.381%
2/1 Yr ARM15 or 30 Yrs.Up to $647,7504.250%5.902%
2/1 Yr ARM15 or 30 Yrs.Over $647,7504.750%6.404%
3/1 Yr ARM15 or 30 Yrs.Up to $647,7505.000%5.831%
3/1 Yr ARM15 or 30 Yrs.Over $647,7505.500%6.331%
5/1 Yr ARM15 or 30 Yrs.Up to $647,750 5.375%5.858%
5/1 Yr ARM15 or 30 Yrs.Over $647,7505.875%6.359%
7/1 Yr ARM15 or 30 Yrs.Up to $647,7505.625%5.974%
7/1 Yr ARM15 or 30 Yrs.Over $647,7506.125%6.479%

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 Years3.500%, then Prime Adjusted annually
Maximum Rate 12%
Up to 75% CLTV10 Years3.500%, then Prime Adjusted annually
Maximum Rate 12%
Up to 75% CLTV15 Years3.500%, 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 Years5.375%
Up to 75% CLTV10 Years6.000%

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 Years3.500%, 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 Years3.000%, 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 Years3.250%, 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)