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Rates

Your money works harder at ABE Federal Credit Union! Whether you are saving for the future, financing a vehicle, or applying for a credit card, our competitive rates are designed to help you keep more in your pocket and reach your goals faster. Explore all our current rates below!

Money Market
as high as
1.50% APY*
6 Month Certificate
as high as
3.25% APY*
Vehicle Loans
as low as
5.99% APR*
Credit Cards
as low as
9.99% APR*

Rates are accurate as of 6/30/25 (2nd Quarter Rates). Rates may change after account opening. Fees could reduce earnings.
 
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%

Rates are accurate as of 7/25/25. Rates subject to change without notice. A penalty may be imposed for early withdrawal.
 
Term Minimum Balance APY*
3 Months $500 1.00%
6 Months $500 3.25%
12 Months $500 2.75%
13 Months $500 2.75%
13 Months Add-On $500 2.75%
15 Months Bump Up $500 2.75%
24 Months $500 2.50%
60 Months $500 2.50%
 

Rates are accurate as of 6/30/25. Rates may change after account opening.

 
Account Type Minimum Balance Monthly Fee  APY*
Basic/Regular Share Draft None None None
Primetime Share Draft None None 0.05%
Super Share Draft $2,000.00 $4.00 0.05%
Super Plus Share Draft (Linked) $3,000.00 $5.00   0.05%
 

Rates Subject to Change Without Notice.

Credit Line Monthly Payment
Per $1,000		 APR**
$500.00 - $10,000.00 $15.29 13.88%
Rates are accurate as of 7/25/25. Rates may change after account opening.
 
Average Daily Balance APY*
$2,500.00 - $24,999.99 0.50%
$25,000.00 - $49,999.99  0.60%
$50,000.00 - $99,999.99 0.90%
$100,000.00 -$249,999.99 1.05%
$250,000.00 and over 1.50%

Rates Subject to Change Without Notice.

 

New Vehicle Loans

Term
 APR** Monthly Payment
Per $1,000
Up to 36 Months 5.99% $30.42
48 Months 5.99% $23.48
60 Months 5.99% $19.33
72 Months 6.74% $16.93
84 Months 6.99% $15.09

 

Used Vehicle Loans (1 to 3 Years Old)

Term
 APR** Monthly Payment
Per $1,000
Up to 36 Months 5.99% $30.43
48 Months 5.99% $23.49
60 Months 5.99% $19.34
72 Months 6.25% $16.70
84 Months 6.75% $14.98

 

Used Vehicle Loans (4 to 5 Years Old)

Term
 APR** Monthly Payment
Per $1,000
Up to 36 Months 5.99% $30.43
48 Months 5.99% $23.49
60 Months 5.99% $19.34
72 Months 7.08% $17.10

 

Used Vehicle Loans (6 to 7 Years Old)

Term
 APR** Monthly Payment
Per $1,000
Up to 36 Months 7.22% $30.99
48 Months 7.47% $24.17
60 Months 7.53% $20.06

 

Other Vehicle Loans

Loan Type APR** Monthly Payment
Per $1,000		 Term
New & Used Motorcycle, Boat, RV 7.99% $20.28 Up to 60 Months

 

Signature Loans

Term
 APR** Monthly Payment
Per $1,000
12 Months 7.75% $86.56
24 Months 7.99% $45.24
36 Months 8.49% $31.52
60 Months 10.74% $21.52

 

Debt Consolidation Loans

Term
 APR** Monthly Payment
Per $1,000
60 Months 11.49% $22.00

 

Special Purpose Loans

Term
 APR** Monthly Payment
Per $1,000
18 Months 8.40% $20.48

 

Education Loans

Term
 APR** Monthly Payment
Per $1,000
60 Months 8.40% $20.48

 

Secured Loans

Loan Type
 APR** Monthly Payment
Per $1000		 Maximum Term
Shared Secured Dividend + 3% $6.94 180 Months
Share Certificate Secured Dividend + 3% $8.72 180 Months
Rates Subject to Change Without Notice.
 
Card Type Credit Lines APR**
VISA® Platinum $5,000 - $15,000 9.99%
VISA® Classic $250 - $4,999 13.88%

Rates are subject to change without notice. No points. No prepayment penalty.

NMLS #615164


 
Mortgage Type
 Term  Conform / Jumbo  Rate   APR** 
1 Year ARM 15 or 30 Years Up to $806,500 5.500% 6.784%
1 Year ARM 15 or 30 Years Over $806,500   6.000% 6.806%
2/1 Yr ARM 15 or 30 Years Up to $806,500 5.750% 6.712%
2/1 Yr ARM 15 or 30 Years Over $806,500 6.250% 6.777%
3/1 Yr ARM  15 or 30 Years Up to $806,500  5.750% 6.624%
3/1 Yr ARM 15 or 30 Years Over $806,500 6.250% 6.727%
5/1 Yr ARM 15 or 30 Years Up to $806,500 6.000% 6.567%
5/1 Yr ARM 15 or 30 Years Over $806,500 6.500% 6.740%

Home Equity Loan (Second Mortgages up to 75% CLTV)

Rates are subject to change without notice. No closing costs in most instances, except for state and/or county mortgage filing tax where applicable. No prepayment penalties. Maximum rate of 16%.

 
Combined Loan to Value Term APR**
Up to 75% CLTV 15 Years 6.500%, then Prime Adjusted annually
 
 

Smart Fixed Rate Equity Loans

Rates are subject to change without notice. Maximum 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 Value Term  APR**
Up to 75% CLTV 5 Years  7.500%
Up to 75% CLTV 10 Years  8.500%

 

Smart Home Equity Loan

Rates are subject to change without notice. Maximum loan amount $100,000. No prepayment penalties. No closing costs in most instances, except for state and/or county mortgage filing tax where applicable. Maximum rate of 16%.

 
 
Combined Loan to Value Term  APR**
Up to 75% CLTV Up to 10 Years 6.500%, then Prime minus 1% adjusted annually

 

Home Equity Line of Credit (HELOC)

Rates are subject to change without notice. No prepayment penalties. No closing costs in most instances, except for state and/or county mortgage filing tax where applicable. Interest-only minimum payments for the first 10 years. Maximum rate of 16%.

 
Combined Loan to Value Term  APR**
Up to 75% CLTV 25 Years (10-year draw, 15-year repayment) 6.000%, then Prime adjusted annually
 
 
 

Smart Home Equity Line of Credit

Rates are subject to change without notice. Maximum loan amount $100,000. No prepayment penalties. No closing costs in most instances, except for state and/or county mortgage filing tax where applicable. Interest-only minimum payments for the first 5 years. Maximum rate of 16%.

 
Combined Loan to Value Term  APR**
Up to 75% CLTV 15 Years (5-year draw, 10-year repayment) 6.250%, then Prime minus 1 adjusted annually


 

*APY = Annual Percentage Yield.
**APR = Annual Percentage Rate.
All rates and yields are subject to change at any time.
Accounts are federally insured through NCUA to at least $250,000. Retirement accounts are insured separately to at least $250,000.
CLTV = Combined Loan to Value (1st + 2nd Mortgage ÷ Appraised Value).
Rates shown are the lowest available. Applicants who do not qualify may be offered higher rates and/or different terms. All credit is subject to approval.
On adjustable rate first mortgages, the initial rate is the floor rate, which is the lowest possible adjustment.
On adjustable-rate home equity loans and home equity lines of credit, the floor rate is 3.50%.


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