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Rates
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Savings
-4TH QTR Rates- APY* Is Accurate As Of 10/01/09 |
Average Balance |
APY* |
| Share (Savings) |
$ 100.00 - $ 99,999.99 |
0.25% |
| Fees could reduce the
earnings on the account |
$ 100,000.00 and up |
0.35% |
| Clubs (Holiday and
Vacation) |
|
0.25% |
| I.R.A. (Individual
Retirement Account) |
$ 0.01 - $ 99,999.99 |
1.15% |
| Rates may change after
these accounts are open |
$ 100,000.00 and up |
1.75% |
|
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Investment
Club And IRA Certificate |
Term |
APY* |
| The APY* is accurate as
of 2/25/10 |
90 Days |
.50% |
| Minimum deposit of $500.00 |
180-364 Days |
1.00% |
|
1 Year |
1.50% |
|
2 Years |
1.95% |
|
5 Years |
2.80% |
| Add On Investment Certificate |
13
Months |
1.50% |
| Bump Up Rate Investment Certificate |
15
Months |
1.50% |
| (Certificates $100,000.00
- $249,999.99) |
1 Year |
1.65% |
|
2 Years |
2.10% |
| A penalty may be imposed for early
withdrawal of funds. |
5 Years |
2.95% |
| Add On Investment Certificate |
13
Months |
1.65% |
| Bump Up Rate Investment Certificate |
15
Months |
1.65% |
| (Certificates $250,000.00
+ |
1 Year |
1.75% |
|
2 Years |
2.20% |
| A penalty may be imposed for early
withdrawal of funds. |
5 Years |
3.05% |
| Add On Investment Certificate |
13
Months |
1.75% |
| Bump Up Rate Investment Certificate |
15
Months |
1.75% |
|
Checking
- APY* is accurate as of 02/01/10 |
Min Bal |
Monthly Fee |
APY* |
| Basic/Regular Share Draft |
None |
None |
None |
| Primetime Share Draft |
None |
None |
0.25% |
| Super Share Draft |
$ 2,000.00
|
$ 4.00 |
0.25% |
| Super Plus Share Draft -Linked |
$ 3,000.00
|
$ 5.00 |
0.25% |
|
| Rates
may change after the account is opened. |
| Fees
could reduce earnings |
|
|
|
|
|
Checking Line of Credit |
Credit Line |
APR** |
|
|
$ 500.00 - $ 10,000.00 |
13.88% |
|
|
|
|
|
Money Market |
Average
Daily Balance |
APY* |
| The APY is accurate as
of 2/25/10 |
$ 2,500.00
- $ 24,999.99 |
.80% |
| Rates may change after |
$ 25,000.00 -
$ 49,999.99 |
1.15% |
| account is opened |
$ 50,000.00 -
$ 99,999.99 |
1.25% |
|
$ 100,000.00 and up |
1.40% |
|
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|
Loans |
Term |
Regular APR** |
|
| Signature |
1
Year |
7.49% |
|
| Signature |
2 Years |
8.49% |
|
| Signature |
3 Years |
9.49% |
|
| Signature |
4-5 Years |
9.99% |
|
| Debt. Consolidation |
1-3 Years |
9.49% |
|
| Debt. Consolidation |
4-5 Years |
9.99% |
|
| Special Purpose |
18 Months |
7.98% |
|
| Education Loans |
1-3 Years |
6.90% |
|
| Education Loans |
4-5 Years |
6.90% |
|
| Bridge |
90 Days |
11.75% |
|
| Share Secured |
1-5 Years |
4.00% |
|
| Share Certificate Secured |
1-5 Years |
Div.+2% |
|
| New Car |
1-3 Years |
3.99% |
|
| New Car |
4-6 Years |
4.99% |
|
| Refinanced Car |
1-3 Years |
3.99% |
|
| Refinanced Car |
4-6 Years |
4.99% |
|
| Used Car (1-6 Yrs Old) |
1-3 Years |
4.49% |
|
| Used Car (1-6 Yrs Old) |
4-5 Years |
4.99% |
|
| New Boat |
1-7 Years |
6.90% |
|
| New Motorcycle |
1-5 Years |
6.90% |
|
| New RV Motor Home |
1-7 Years |
6.90% |
|
| New RV Travel Trailers |
1-7 Years |
6.90% |
|
| New RV 5th Wheels |
1-7 Years |
6.90% |
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Real Estate Loans |
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| Mortgages, No
Points |
Term |
Conforming/Jumbo |
Rate |
| 1 Year ARM |
15 or 30 Years |
up to $417,000 |
3.750% |
| 1 Year ARM |
15 or 30 Years |
over $417,000 |
4.250% |
| 3/1 Year ARM |
15 or 30 Years |
up to $417,000 |
3.875% |
| 3/1 Year ARM |
15 or 30 Years |
over $417,000 |
4.375% |
| 5/1 Year ARM |
15 or 30 Years |
up to $417,000 |
4.250% |
| 5/1 Year ARM |
15 or 30 Years |
over $417,000 |
4.750% |
| 5/1 ARM w/ Fixed Rate Option |
15 or 30 Years |
up to $417,000 |
4.625% |
| 5/1 ARM w/ Fixed Rate Option |
15 or 30 Years |
over $417,000 |
5.125% |
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Home Equity, Second Mortgages up to
80% Loan To Value (No closing costs, in most instances except for state and
/ or county mortgage filing tax. |
| up to 80% LTV |
5 Years |
3.750%,
then Prime adjusted
annually |
| up to 80% LTV |
10 Years |
3.750%, then Prime adjusted
annually |
| up to 80% LTV |
15 Years |
3.750%, then Prime adjusted
annually |
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| Smart Fixed Rate Equity Loans ($75,000.00 Max
Loan Amount) |
| Up to 80% LTV |
5 Years |
6.250% |
| Up to 80% LTV |
10 Years |
6.750% |
| |
| Smart Home Equity Loan ($75,000.00 Max Loan
Amount) |
| up to 80% LTV |
Max 10 Years |
3.250%,
then Prime minus 1%
adjusted Annually. Max cap (18%) |
|
|
|
|
| Home Equity Line of Credit
|
|
|
| up to 80% LTV |
25 Years |
3.750, then Prime adjusted
annually maximum cap (12%) |
| |
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|
| Smart Home Equity Line of Credit ($75,000.00 Max. Loan
Amount) |
| up to 80% LTV |
15 Years |
3.250%,
then Prime minus 1%
adjusted Annually. Max cap (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.
VISA and MasterCard Classic
$500,000 in Worldwide Travel Accident Insurance is provided at no
additional cost to the cardholder.
The current APR** is 13.88%
MasterCard Gold
$500,000 in
Worldwide Travel Accident Insurance is provided at no additional cost to
the cardholder. The current APR** is 11.99%
VISA Platinum
$1,000.000
in Worldwide Travel Accident Insurance is provided at no additional cost to the
cardholder. The current APR** is 9.99%
- *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 $250,000
or HIGHER UNDER
CERTAIN
CIRCUMSTANCES.
- RETIREMENT ACCOUNTS ARE INSURED SEPARATELY
UP TO $250,000.
- PLEASE CONTACT AN ABE EMPLOYEE FOR FURTHER INFORMATION ABOUT APPLICABLE
FEES
AND TERMS.
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