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Rates

APY = Annual Percentage Yield. Rates effective as of 10/29/2020. Fees may reduce earnings.

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

Accounts

Free & Easy Checking* Learn More

Minimum Balance to Earn Dividends APY
$0 0.05%

*APY = Annual Percentage Yield. Rates accurate as of 05/12/2020. Rates subject to change without notice. Fees could reduce earnings. No minimum deposit. No minimum balance to earn dividends. Dividend rate may change after opening account.

Savings Accounts Learn More

Account Minimum Opening Deposit Minimum Balance to Earn Dividends Rate APY
Prime Share/Savings $1 $200 0.04% 0.05%
Youth Savings $5 $5 0.04% 0.05%
Christmas & Anytime Accounts $5 $200 0.04% 0.05%
Money Market $1,000 $1,000 0.04% 0.05%

 

Performance Money Market Learn More

Balance Rate APY† 
$1,000.00 to $9,999.99 0.0499% 0.05%
$10,000.00 to $24,999.99 0.0499% 0.05%
$25,000.00 to $49,999.99 0.0999% 0.10%
$50,000.00 to $99,999.99 0.1499% 0.15%
$100,000.00 to $249,999.99 0.3494% 0.35%
> $250,000.00 0.6977% 0.70%

†APY = Annual Percentage Yield. Rates effective 09/01/2020 and are subject to change without notice. $1,000.00 minimum deposit. Dividends calculated by daily balance of at least $1,000.00. No dividend will be earned in any dividend period if daily balance is below $1,000.00. Fees could reduce earnings. 

Business Accounts Learn More

Account Minimum Opening Deposit Minimum Balance to Earn Dividends Rate APY
Business Shares $5 $200 0.04% 0.05%
Business Money Market $1,000 $1,000 0.04% 0.05%
Business Share Draft Interest $0 $1,000 0.04% 0.05%
Certificates

Certificate - 6 Months

Minimum Deposit APY
$1,000 0.40%
$20,000 0.40%
$50,000 0.40%
$100,000 0.45%

 

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.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 0.53%
$20,000 0.53%
$50,000 0.53%
$100,000 0.58%

 

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.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 0.68%
$20,000 0.68%
$50,000 0.68%
$100,000 0.73%

 

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.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 0.73%
$20,000 0.73%
$50,000 0.73%
$100,000 0.78%

 

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 0.88%
$20,000 0.88%
$50,000 0.88%
$100,000 0.93%

 

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

IRA Certificates

IRA Savings Account

Minimum Deposit APY
$1 0.20%

 

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

Minimum Deposit APY
$1,000 0.45%
$20,000 0.45%
$50,000 0.45%
$100,000 0.50%

 

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 0.58%
$20,000 0.58%
$50,000 0.58%
$100,000 0.63%

 

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 0.73%
$20,000 0.73%
$50,000 0.73%
$100,000 0.78%

 

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 0.78%
$20,000 0.78%
$50,000 0.78%
$100,000 0.83%

 

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 0.93%
$20,000 0.93%
$50,000 0.93%
$100,000 0.98%

 

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

Loans & Mortgage

New Vehicles, Used Vehicle & Motorcycle (2021-2016) Learn More

Annual Percentage Rate Months Notes
As low as 2.79% 1-48 months  
As low as 2.99% 49-60 months  
As low as 3.19% 61-66 months  
As low as 3.69%* 67-75 months *72+ months over $20,000
As low as 5.79%** 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 (2021-2016) 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 (2015 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 (2015 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* 6.99% - 16.50%
ABNB Black*

9.50% - 12.49%

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. Variable APR range of 6.99% - 16.50%. 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

Fee Schedule
General Fees
Closing Membership Within 90 Days of Opening $15.00
Reopening Account No charge
Inactive/Dormant Relationship- No Member-Initiated Account Activity After 6 Consecutive Months $15.00/month
Telephone Funds Transfer - Internal (Non-Automated) $3.00/transfer
Telephone-based ACH, Debit or Credit Card Payment or Transfer (Non-Automated) $20.00/payment or transfer
Cashier's Check - Member or Shared Branch Non-member > $1,000 No charge
Cashier's Check - Member or Shared Branch Non-member < $1,000 $5.00/check
Money Orders $2.00/item
Special Check Collection (Foreign Check) $35.00/item
Certified Letter At cost
Return Statement Handling $5.00/statement
Bad Email Address $1.00/email address
Rolled Coin No charge
Loose/Bulk Coin 2% of amount
Gift Card - Initial Purchase, Other Fees May Apply $3.95/card
Prepaid Card - Initial Purchase, Other Fees May Apply. $6.00/card
Quicken/Quickbooks No charge
Legal/Levy/Lien/Garnishment  $75.00/item
ATM/Debit Card Fees
ATM Balance Inquiries and Transactions at ABNB ATMs No charge
ATM Balance Inquiries and Transactions at Non-ABNB ATMs $1.50/inquiry or transaction
Replacement Card - Any Type $10.00/card
Rush Delivery $25.00/order
Research Requests
Account Statement Balancing/Research  - Min. 1 hour $20.00/hour
Statement Copy. $5.00/statement
Interim (History) Statement $3.00/statement
Bill Pay Service Fees
Bill Pay Service No charge
Inactive Bill Pay After 3 Consecutive Months $5.00/month
Non-Sufficient Funds (NSF) $35.00/item
Stop Payment  $35.00/item
Same Day Bill Pay $9.95/payment
Overnight Check $14.95/check
Bill Pay - Inquiry $21.00/inquiry
Check Copy $21.00/check
Zelle Payments No charge
Deposit Account Fees
Single Service Savings < $500, Waived for Ages <18 $5.00/month
Excessive Withdrawal or Transfers After 6 Per Month $10.00/withdrawal or transfer
Early Account Withdrawl  - Christmas Club $3.00/withdrawal
IRA Account Fees
IRA  - External Transfer $25.00/transfer
IRA Rollover or Transfer, Full or Partial Withdrawal  (Before age 59 ½) $25.00/item
Coverdell Education Rollover, Transfer, Full or Partial Withdrawal (Before age 18) $25.00/item
Duplicate IRA Reporting Forms No charge
Checking Account Fees
Returned Item - Deposited or Cashed $20.00/item
Uncollected Item $35.00/item
Premium Overdraft Service $35.00/item
NSF/Overdraft or Return Item - Check or Debit $35.00/item
Consecutive Days Negative, After 3 Days $5.00/day
Stop Payment $35.00/item
Check Printing Varies
Check Copy $5.00/check
Paper Statement $4.00/month
Monthly Service Fees Varies
Wire Transfer Fees
Domestic Wire Transfer - Incoming No charge
Domestic Wire Transfer - Outgoing $25.00/transfer
International Wire Transfer - Incoming/Outgoing $45.00/transfer
Safe Deposit Boxes
3 x 5 $24.00/year
5 x 5 $36.00/year
3 x 10 $48.00/year
5 x 10 $60.00/year
7 x 10 $72.00/year
10 x 10 $96.00/year
Box Drilled & Lock Changed Up to $250.00
Lost Key $15.00/key
Late Rent 10% of annual cost

Business Services Fees

General Fees
Non-Sufficient Funds (NSF) $35.00/item
Returned Check $35.00/check
Remote Deposit Capture $50.00/month
Single Service $5.00/month
Stop Payment  $35.00/item
Inactive/Dormant Relationship - No Member-Initiated Account Activity After 6 Consecutive Months $15.00/month
Domestic Wire Transfer - Incoming No charge
Domestic Wire Transfer - Outgoing $25.00/transfer
International Wire Transfer - Incoming/Outgoing $45.00/transfer
Business Deposit Zipper Bags No charge
Business Locked Bags - Purchase $20.00/bag
Business Locked Bags/Lost Key Replacement $10.00/bag
Checking Account Fees
Business Checking - Monthly Fee (Waived with Average Daily Balance > $1,000) $10.00/month
Paper Statement $4.00/month

 

**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.