Consumer Loans

Auto Loans

Let ABE’s experts help you through the entire process of purchasing a vehicle.

With a pre-approved ABE Federal Credit Union Auto Loan, dealers will view you as a cash customer and you’ll be in a much better bargaining position. You’ll have the ability to negotiate a better vehicle price and, in most cases, drive away the same day.

New, Refi and Used Vehicle Loans

ABE will finance up to 125% of the purchase price of a new or used car, truck, or van (which includes registration, taxes, filing and warranty) if you purchase gap insurance from ABE.

  • Convenient terms up to 72 months
  • Apply online
  • Apply at your local branch

Credit Cards

MasterCard and Visa Credit Cards

Balance transfers are just a phone call away. Simply call  800-598-0128 with the credit card balance you will like to transfer and we will take care of the rest.

MasterCard Gold and Visa Platinum members can use their credit limit to their advantage by transferring balances from other institutions to get immediate savings, get some extra cash, and/or make a purchase using a check. You can do this absolutely free! Simply request checks today by dialing  1(800) 299-9842 and use these checks any way you wish.

  • Fixed Rate
  • No universal default rate
  • Rates are for purchases and cash advances*
  • 25 day grace period for purchases, If balance is paid in full by due date.
  • 10 day grace period before late fee assessment
  • No balance transfer fee on accounts using checks
  • Free travel and accident insurance
  • Easy access to your information at www.ezcardinfo.com
  • Platinum and Gold Card members earn score card points
  • No annual fee on the Visa Platinum
  • After the first year, low annual fee of $15.00 for Classic and Gold card members

*(Cash advance fee; 2% of the amount advanced)

View disclosures and Apply online

Signature Loan

Tax Loan (Special Purpose)

  • Available from February 2nd – May 31st
  • Maximum term of 18 months
  • Maximum amount of $25,000.00
  • Great for those higher than expected tax bills!
  • Apply online
  • Apply at your local branch
  • If you prefer to print and fax or mail your application click here.

Vacation Loan (Special Purpose)

  • Available from June 1st – September 30th
  • Maximum term of 18 months
  • Maximum amount $25,000.00
  • Great for making a great summer getaway!
  • Apply online
  • Apply at your local branch
  • If you prefer to print and fax or mail your application click here.

Holiday Loan (Special Purpose)

  • Available from October 1st – February 1st
  • Maximum term of 18 months
  • Maximum amount of $25,000.00
  • Great for buying gifts around the holidays and for paying off those high rate credit cards after the holidays!
  • Apply online
  • Apply at your local branch
  • If you prefer to print and fax or mail your application click here.

Share and Certificate Secured Loan

  • Dividend + 2%
  • Maximum term 60 months
  • Get the best of both worlds by borrowing against your own savings.
  • You can earn dividends on your ABE Share Savings and/or Investment Certificate Accounts while you pay a lower interest rate than on our Personal Loans.
  • Apply online
  • Apply at your local branch
  • If you prefer to print and fax or mail your application click here.

Make Yourself Debt FREE and Save On Interest

Now, you can pay off your credit cards and other personal loans with just one low monthly payment that could also save you interest, as well. Find out about our Debt Consolidation Loans and how to manage your money better.

Consolidate your bills with a low rate loan.

If you’re in trouble managing multiple bills and high rate debt, you can consolidate them into a single loan payable at a low rate. A Debt Consolidation loan is an unsecured loan similiar to a Personal loan and does not require any collateral like an auto loan or mortgage.

Debt Consolidation is often advisable in theory when someone is paying credit card debt.  Credit cards can carry a much higher interest rate than a Debt Consolidation loan and take a longer time to payoff.  A debt consolidation loan has a short fixed number of years and your debt will be paid in full when the loan is completed.

Benefits

  • Consolidate bills
  • Reduce stress
  • Eliminate Collection calls
  • Low interest rate
  • Budgeting gets easier
  • Credt score shines
  • Apply online
  • Apply at your local branch
  • If you prefer to print and fax or mail your application click here.

If you are a homeowner and have equity in your property you may want to consider a home equity loan or home equity line of credit to consolidate your debt.  Interest paid on a home  equity loan or line of credit may be tax deductible. Consult you tax adviser on deductibility of home equity interest.

We’re here to help finance your education!

ABE’s Education Loan

  • ABE is prepared to help parents to bridge the gap between government loans and other aid programs, and the actual cost of education.
  • Maximum loan amount – $24,000.00
  • Maximum loan term – 5 years (60 months)
  • Apply online
  • Apply at your local branch
  • If you prefer to print and fax or mail your application click here.

ABE in partnership with Sallie Mae

Sallie Mae has helped more than 30 million Americans pay for college.


Turn the equity in you home into a resource that works for you.

Use the equity you have built up in your home to do the things you want. You might also want to order your Credit Report to make sure you’re in good standing. Then, call us at a local branch. We’ll get back to you right away with the answer you need.

We offer the following types to suit your borrowing needs:

Adjustable Rate Home Equity Loan

  • Loan for a specific amount and term
  • Adjustable rate with adjustable payment amount (see rates for current pricing)
  • Flexible terms available (5,10,15 Years)
  • Maximum CLTV 80%
  • Useful for one-time purchases or events, such as consolidating bills or buying a boat
  • Apply at your local branch or online

Smart Home Equity Loans

Adjustable Rate Smart Home Equity Loan

Fixed Rate Smart Home Equity Loan

Home Equity Line of Credit

  • Adjustable rate loan (see rates for current pricing)
  • Term of 25 years (10 year draw period and 15 year repayment)
  • Maximum CLTV of 80%
  • Apply once and receive a pre-approved credit line
  • Borrow what you need, when you need it
  • Take an advance any time using the Internet Branch or by writing a check
  • Useful for ongoing expenses, such as home improvement projects or college education
  • Apply at your local branch or online

Smart Home Equity Line of Credit

  • Adjustable rate loan (see rates for current pricing)
  • Term of 15 years (5 year draw period and 10 year repayment)
  • Maximum credit limit of $ 75,000.00
  • Maximum CLTV of 80%
  • Maximum CLTV of 80%
  • Borrow what you need, when you need it
  • Take an advance any time using the Internet Branch or by writing a check
  • Useful for ongoing expenses, such as home improvement projects or college education
  • Apply at your local branch or online

Home Equity products can be used to:

Choose an Adjustable Rate Home Equity or a Home Equity Line of Credit and enjoy the following benefits:

  • No closing costs (Except where state and/or county mortgage filing tax is applicable)
  • Interest may be tax deductible (Consult your tax advisor)
  • You may be able to borrow up to 80% of the equity in your home

If you have any questions or would like further information on applying for an ABE Mortgage or Home Equity Loan, please consult our Real Estate Lending Officer at  (516) 763-7515 or send a message through our Secure Contact Us Form

Auto Buying Resource 

Research * Compare * Buy

Online Auto Buying Tools

Click Here

Lost or Stolen ABE Card

To report your card lost or stolen:

ATM or Debit Card
(516) 763-7580

MasterCard/VISA To Report Lost/Stolen or Fraud
800-543-5073

To Make a Credit Card Payment
833-574-3475