Newsletter and Rates

Savings

Rates are accurate as of 12/31/24 (4th 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 1/9/2025

Rates 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	3.75%
(($500 and up)	12 Months	3.50%
($500 and up)	13 Months	3.50%
($500 and up) Add on	13 Months	3.50%
($500 and up) Bump Up	15 Months	3.50%
($500 and up)	24 Months	3.25%
($500 and up)	60 Months	3.00%

Checking

Rates are accurate as of 12/1/2024

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 - Rates Subject to Change Without Notice.

Credit Line	Monthly Payment Per $1000 Borrowed	APR**
$500.00 - $10,000.00	$15.29	13.88%

Money Market

Rates are accurate as of 1/10/2025

Rates 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	0.75%
$50,000.00 - $99,999.99	1.10%
$100,000.00 -$249,999.99	1.25%
$250,000.00 and over	1.75%

Loans - Rates Subject to Change Without Notice.

Loan Type	APR**	Monthly Payment Per $1000 Borrowed	Maximum Terms (Months)
New Vehicle	5.99%	$30.42	up to 36
New Vehicle	5.99%	$23.48	48
New Vehicle	5.99%	$19.33	60
New Vehicle	6.74%	$16.93	72
New Vehicle	6.99%	$15.09	84
Used Vehicle (1 to 3 Years Old)	6.50%	$30.65	up to 36
Used Vehicle (1 to 3 Years Old)	6.50%	$23.72	48
Used Vehicle (1 to 3 Years Old)	6.50%	$19.57	60
Used Vehicle (1 to 3 Years Old)	7.25%	$17.17	72
Used Vehicle (1 to 3 Years Old)	7.50%	$15.34	84
Used Vehicle (4 to 5 Years Old)	6.50%	$30.65	up to 36
Used Vehicle (4 to 5 Years Old)	6.50%	$23.72	48
Used Vehicle (4 to 5 Years Old)	6.50%	$19.57	60
Used Vehicle (4 to 5 Years Old)	7.59%	$17.34	72
Used Vehicle (6 to 7 Years Old)	7.73%	$31.21	up to 36
Used Vehicle (6 to 7 Years Old)	7.98%	$24.41	48
Used Vehicle (6 to 7 Years Old)	8.04%	$20.30	60
New & Used Motorcycle, Boat, RV	7.99%	$20.28	up to 60
Signature	7.75%	$86.56	12
Signature	7.99%	$45.24	24
Signature	8.49%	$31.52	36
Signature	10.74%	$21.52	60
Debt Consolidation	11.49%	$22.00	60
Special Purpose	7.99%	$58.15	18
Education	8.40%	$20.48	60
Shared Secured	Dividend + 3%	$6.94	180
Share Certificate Secured	Dividend + 3%	$8.72	180

Credit Cards - Rates Subject to Change Without Notice.

Card Type	Credit Lines	APR**
VISA Platinum	$5,000 to $15,000	9.99%

VISA Classic	$250 to $4,999	13.88%

Mortgages - Rates Subject to Change Without Notice.

NMLS#615164
No Points
No Prepayment Penalty

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

Home Equity Loan Second Mortgages up to 75% Loan To Value - Rates 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

Combined Loan to Value	Term	APR**
Up to 75% CLTV	15 Years	6.500%, then Prime Adjusted annually Maximum Rate 16%

Smart Fixed Rate Equity Loans - Rates Subject to Change Without Notice.

$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	7.500%
Up to 75% CLTV	10 Years	8.500%

Smart Home Equity Loan - Rates Subject to Change Without Notice.

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 Value	Term	APR**
Up to 75% CLTV	Max 10 Years	6.500%, then Prime minus 1% adjusted annually. Max Rate (16%)

Home Equity Line of Credit - Rates Subject to Change Without Notice.

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 Value	Term	APR**
Up to 75% CLTV	25 Years	6.000%, then Prime adjusted annually. Max Rate (16%)

Smart Home Equity Line of Credit - Rates Subject to Change Without Notice.

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 Value	Term	APR**
Up to 75% CLTV	15 Years	6.250%, then Prime Minus 1 adjusted annually. Max Rate (16%)

Please note that, on our first mortgage adjustable rate loan products, the initial rate (the interest rate during the initial fixed rate period) is the floor rate, the lowest interest rate the loan may adjust to.

On our adjustable rate home equity loans and home equity lines of credit, after their first year’s promotional interest rate the floor rate is 3.50%, the lowest interest rate the loan may adjust to.

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)