Rates
APY = Annual Percentage Yield. Rates effective as of 01/15/2020. Fees may reduce earnings.
Rates and rewards are variable and may change after account is opened.
Free & Easy Checking* Learn More
| Minimum Balance to Earn Dividends | APY |
| $0 | 0.20% |
*APY = Annual Percentage Yield. Rates accurate as of 11/12/2019. Rates subject to change without notice. Fees could reduce earnings
Savings Accounts Learn More
| Account | Minimum Opening Deposit | Minimum Balance to Earn Dividends | Rate | APY |
| Prime Share/Savings | $1 | $200 | 0.10% | 0.10% |
| Youth Savings | $1 | $5 | 0.10% | 0.10% |
| Christmas & Anytime Accounts | $5 | $200 | 0.10% | 0.10% |
| Money Market | $1,000 | $1,000 | 0.20% | 0.20% |
| IRA Account (Reg/Roth/Educ) | $100 | $100 | 0.25% | 0.25% |
Performance Money Market Learn More
| Balance | Rate | APY† |
|---|---|---|
| $1,000.00 to $9,999.99 | 0.200 | 0.20% |
| $10,000.00 to $24,999.99 | 0.300 | 0.30% |
| $25,000.00 to $49,999.99 | 0.499 | 0.50% |
| $50,000.00 to $99,999.99 | 0.747 | 0.75% |
| $100,000.00 to $249,999.99 | 0.995 | 1.00% |
| > $250,000.00 | 1.490 | 1.50% |
† APY = Annual Percentage Yield. Rates effective 12/10/2019 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 any dividend period if the average daily balance is below $1,000.00.
Business Accounts Learn More
| 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% |
Certificate - 6 Months
| Minimum Deposit | APY |
| $1,000 | 1.40% |
| $20,000 | 1.40% |
| $50,000 | 1.40% |
| $100,000 | 1.45% |
Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.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 | 1.75% |
| $20,000 | 1.75% |
| $50,000 | 1.75% |
| $100,000 | 1.80% |
Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.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 | 1.85% |
| $20,000 | 1.85% |
| $50,000 | 1.85% |
| $100,000 | 1.90% |
Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.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 | 1.95% |
| $20,000 | 1.95% |
| $50,000 | 1.95% |
| $100,000 | 2.00% |
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 | 2.20% |
| $20,000 | 2.20% |
| $50,000 | 2.20% |
| $100,000 | 2.25% |
Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.
IRA Certificate - 6 Months (Reg/Roth/Educ)
| Minimum Deposit | APY |
| $1,000 | 1.45% |
| $20,000 | 1.45% |
| $50,000 | 1.45% |
| $100,000 | 1.50% |
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 | 1.80% |
| $20,000 | 1.80% |
| $50,000 | 1.80% |
| $100,000 | 1.85% |
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 | 1.90% |
| $20,000 | 1.90% |
| $50,000 | 1.90% |
| $100,000 | 1.95% |
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 | 2.00% |
| $20,000 | 2.00% |
| $50,000 | 2.00% |
| $100,000 | 2.05% |
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 | 2.25% |
| $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.
New Vehicles, Used Vehicle & Motorcycle (2020-2015) Learn More
| Annual Percentage Rate | Months | Notes |
|---|---|---|
| As low as 3.29% | 1-48 months | |
| As low as 3.49% | 49-60 months | |
| As low as 3.99% | 61-66 months | |
| As low as 4.19%* | 67-75 months | *72+ months over $20,000 |
| As low as 6.09%** | 76-84 months | **84 months over $30,000 |
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. Some restrictions apply. Rates are subject to change without notice. Payment example: Loan amount of $20,000 at 3.29% APR for 60 months would have a monthly payment of $362.00.
New & Used Boat & RV Loan (2020-2015) Learn More
| Annual Percentage Rate | Months |
|---|---|
| As low as 8.99% | 12-60 months |
| As low as 8.99% | 61-84 months |
| As low as 6.99% | 85-120 months |
| As low as 6.79% | 121-180 months |
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. Some restrictions apply. Rates are subject to change without notice. Payment example: Loan amount of $20,000 at 3.29% APR for 60 months would have a monthly payment of $362.00.
Used Vehicles (2014 and older) Learn More
| Annual Percentage Rate | Months |
|---|---|
| 1.00% will be added to applicable New or Used rate | 1-60 months |
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. Some restrictions apply. Rates are subject to change without notice. Payment example: Loan amount of $20,000 at 3.29% APR for 60 months would have a monthly payment of $362.00.
Used Boat & RV Loan (2014 and older) Learn More
| Annual Percentage Rate | Months |
|---|---|
| ***1.00% will be added to applicable New or Used rate | 12-180 months |
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. Some restrictions apply. Rates are subject to change without notice. Payment example: Loan amount of $20,000 at 3.29% APR for 60 months would have a monthly payment of $362.00.
Personal Loans Learn More
| Beacon Score | Annual Percentage Rate |
|---|---|
| 720+ | as low as 8.99% |
| 719-690 | as low as 10.49% |
| 689-670 | as low as 11.99% |
| 669-640 | as low as 13.99% |
| 639-600 | as low as 15.49% |
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.
Share/Overdraft Line of Credit Learn More
| Beacon Score | Annual Percentage Rate |
|---|---|
| 720+ | as low as 8.99% |
| 719-690 | as low as 10.49% |
| 689-670 | as low as 11.99% |
| 669-640 | as low as 13.99% |
| 639-600 | as low as 15.49% |
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.
Share Secured Loan Learn More
| Loan Product | Annual Percentage Rate |
|---|---|
| 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 Learn More
| Card Type | Annual Percentage Rate |
|---|---|
| VISA Preferred* | 8.49% - 17.99% |
| ABNB Black* |
11.00% - 13.99% |
| Credit Card Balance Transfer |
2.99% Intro APR** through 2020 |
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 ' and 'Consumer Credit Card Agreement and 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.
**(APR) Annual Percentage Rate. Rate of 2.99%APR only eligible during promotion 1/15/20 - 6/30/20. After promotional period ends on 12/31/20, rate will return to variable APR range of 8.49% - 18.00%. No annual fees or cash advance fees. Foreign transaction fees apply. All loans subject to approval. Rates may vary depending on credit worthiness. Some restrictions apply.
Mortgage Loans / Home Equity Loans / HELOC Learn More
| 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 | $20.00 |
| 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/Legal/Liens | $75.00 |
| 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 | varies |
**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.
