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rates

Rates

APY = Annual Percentage Yield. Rates effective as of 12/01/2018. Fees may reduce earnings.

Rates and rewards are variable and may change after account is opened. 

Accounts

Free & Easy Checking* See Details

Balance Rate APY
$0 - $10,000 0.2996% 0.30%

Savings Accounts See Details

Account Minimum Opening Deposit Minimum Balance to Earn Dividends Rate APY
Prime Share/Savings $1 $200 0.10% 0.10%
Youth Savings $5 $5 0.10% 0.10%
Christmas & Anytime Accounts $5 $200 0.10% 0.10%
Money Market $1,000 $1,000 0.15% 0.15%
IRA Account (Reg/Roth/Educ) $100 $100 0.25% 0.25%

Money Market See Details

Balance Rate Yield
$1,000.00 to $9,999.99 0.1499 0.15%
$10,000.00 to $24,999.99 0.1998 0.20%
$25,000.00 to $49,999.99 0.2996 0.30%
$50,000.00 to $99,999.99 0.4989 0.50%
$100,000.00 to $249,999.99 0.7474 0.75%
> $250,000.00 0.9954 1.00%

† APY = Annual Percentage Yield. Rates are effective 11/1/18 and are subject to change without notice. Dividends are calculated by the average daily balance of at least $1,000.00. No dividend will be earned on any dividend period if the average daily balance is below $1,000.00.

Business Accounts See Details

Account Minimum Opening Deposit Minimum Balance to Earn Dividends Rate APY
Business Shares $5 $200 0.10% 0.10%
Business Money Market $1,000 $1,000 0.15% 0.15%
Business Share Draft Interest $0 $1,000 0.15% 0.15%

Certificates

Certificate - 6 Months

Minimum Deposit APY
$1,000 1.20%
$20,000 1.20%
$50,000 1.20%
$100,000 1.30%

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

Certificate - 12 Months

Minimum Deposit APY
$1,000 2.03%
$20,000 2.03%
$50,000 2.03%
$100,000 2.13%

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

Certificate - 24 Months

Minimum Deposit APY
$1,000 2.25%
$20,000 2.25%
$50,000 2.25%
$100,000 2.30%

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

Certificate - 36 Months

Minimum Deposit APY
$1,000 2.60%
$20,000 2.60%
$50,000 2.60%
$100,000 2.65%

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

Certificate - 60 Months

Minimum Deposit APY
$1,000 2.80%
$20,000 2.80%
$50,000 2.80%
$100,000 3.00%

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

IRA Certificates

IRA Certificate - 6 Months (Reg/Roth/Educ)

Minimum Deposit APY
$1,000 1.25%
$20,000 1.25%
$50,000 1.25%
$100,000 1.35%

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

IRA Certificate - 12 Months (Reg/Roth/Educ)

Minimum Deposit APY
$1,000 2.08%
$20,000 2.08%
$50,000 2.08%
$100,000 2.18%

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

IRA Certificate - 24 Months (Reg/Roth/Educ)

Minimum Deposit APY
$1,000 2.30%
$20,000 2.30%
$50,000 2.30%
$100,000 2.35%

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

IRA Certificate - 36 months (Reg/Roth/Educ)

Minimum Deposit APY
$1,000 2.65%
$20,000 2.65%
$50,000 2.65%
$100,000 2.70%

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

IRA Certificate - 60 months (Reg/Roth/Educ)

Minimum Deposit APY
$1,000 2.85%
$20,000 2.85%
$50,000 2.85%
$100,000 3.05%

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

Loans & Mortgage

Auto Loans See Details

Loan Product Annual Percentage Rate Months Notes
New Vehicles & Used Vehicle (2019-2013)

As low as 2.99%

1-48 months
As low as 3.29% 49-60 months
As low as 3.79% 61-66 months
As low as 3.99%* 67-75 months *72+ months over $20,000
As low as 6.29%** 76-84 months **84 months over $30,000
Used Vehicles (2012 and older) 1.00% will be added to applicable New or Used Rate 1-60 months
New or Used Boat, Motorcycle, RV Loan *1.50% will be added to applicable New or Used Rate

ANNUAL PERCENTAGE RATE (APR) varies according to credit history of applicant(s). All loans are subject to approval. Late payment fee is 5% of payment amount when more than 7 days late. On mortgage loans a modification fee of 0.75% and closing costs may apply. Some restrictions apply. Rates are subject to change without notice.

Personal Loans See Details

Loan Product Beacon Score Annual Percentage Rate
Personal Loan

720+

719-684

683-640

639-600

599-550

as low as 8.99%

as low as 10.49%

as low as 12.99%

as low as 15.49%

as low as 17.99%

Sharedraft/Overdraft Line of Credit

720+

719-684

683-640

639-600

599-550

as low as 8.99%

as low as 10.49%

as low as 12.99%

as low as 15.49%

as low as 17.99%

Share Secured Loan

3.00% above current dividend rate

ANNUAL PERCENTAGE RATE (APR) varies according to credit history of applicant(s). All loans are subject to approval. Late payment fee is 5% of payment amount when more than 7 days late. On mortgage loans a modification fee of 0.75% and closing costs may apply. Some restrictions apply. Rates are subject to change without notice.

Credit Cards See Details

Card Type Annual Percentage Rate
VISA Platinum (min $500) ** 7.99% - 17.99%
VISA Platinum Reward (min $500) ** 9.49% - 17.99%
MasterCard Platinum (min $500) ** 9.49% - 17.99%
Onyx (min $5,000) Prime + 8%

ANNUAL PERCENTAGE RATE (APR) varies according to credit history of applicant(s). Lines of Credit are subject to approval. Please refer to the 'Application and Solicitation Disclosure' for further explanation.

** Changes to This Plan: We reserve the right to change any and all of the terms of this agreement. For example, we can change the type and amount of the fees we charge, the interest rate, and the minimum payment amount, as well as the other features of this plan.

Fee Schedule
Electronic Funds Transfer Fees
ATM Inquires and Transactions (Non-ABNBFCU Machines) $1.25
VISA Check Card Non-Sufficient Funds $29.00
VISA Check Card Replacement $5.00
Bill Pay Service Fees
Bill Pay Service (with Checking, Direct Deposit, & eServices/eStatements) No Charge
Bill Pay Service (without Checking, Direct Deposit, & eServices/eStatements)
$4.95 (per month)
Account to Account Transfers No Charge
PopMoney (Person to Person Transfers) No Charge
Same Day Electronic Payment $9.95
Overnight Payment by Check $14.95
Bill Pay Non-Sufficient Funds $29.00
Bill Pay - Stop Pay on Check Transactions
$29.00
Bill Pay Inquiry $21.00
Bill Pay Check Copy $21.00
Other Service Fees
ACH Account Transfers $5.00*
Collections Credit/Debit Card Payments $20.00*
Certified/Cashiers Check $5.00
Special Check Collection, i.e. foreign check (per item) $35.00
Returned Item (deposited or cashed) $15.00 (per item)
Copy of Statement $5.00
Interim Statement (History) $3.00 (per month)
Money Orders $2.00
Gift Cards $3.95
Money Wire Transfers  (Incoming) No Charge
Money Wire Transfers  (Outgoing) $25.00
Money Wire Transfers  (International - special approval required) $45.00
Account Research (per hour, 1 hour min.) $20.00 (per hour)
Account Collection Charges
Garnishment/Levy $50.00
Savings Account Fees
Money Market - excessive withdrawal transfers (more than 6 per month) $10.00
Single Service Account (less than $500 / per month fee) $5.00
Inactive/Dormant (no activity for 12 months / per month fee) $15.00
IRA Account Fees
IRA Rollover or Transfer (Before Age 59 1/2) $25.00
IRA External Transfer $25.00
Coverdell Education Rollover, Transfer, W/D (Before Age 18) $25.00
Checking Account Fees
Non-Sufficient Funds $29.00
Overdraft Protection (Courtesy Pay) $29.00
Stop Payment $29.00
Check Copy $5.00
Balance Account (per hour charge) $20.00
Check Printing varies
Monthly Service Fees - see Lifestyle Checking Disclosures varies

* Fee will increase to $20.00 as of 11/16/18.

**Other fees imposed for special services will be disclosed at the time of the request. Fees subject to change with 45-days notice.

Single Service User
Members must maintain a combined balance of $500 in a savings and/or checking accounts, or have another service product such as a club account, money market, certificate, or loan to avoid the $5 single service fee. Youth accounts regardless of balance are exempt from this fee.