Rates

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Savings Account

Savings Account Dividend Rate Annual Percentage Yield (APY) Dividends Compounded Minimum Opening Deposit Minimum Balance to Earn APY in this Schedule
$100.00 - $10,000.00 0.05% .05% APY1 Quarterly $5.00 $100.00 (Under 18, $0.00)
$10,000.01 - $50,000.00 0.10% .10% APY1 Quarterly $5.00 $100.00 (Under Age 18, $0.00)
$50,000.01 - $100,000.00 0.15% .15% APY1 Quarterly $5.00 $100.00 (Under Age 18, $0.00)
$100,000.01 or over 0.15% .15% APY1 Quarterly $5.00 $100.00 (Under Age 18, $0.00)

Individual Retirement Account/Traditional IRA

Individual Retirement Account/Traditional IRA Dividend Rate Annual Percentage Yield (APY) Dividends Compounded Minimum Opening Deposit Minimum Balance to Earn APY in this Schedule
$100.00 - $10,000.00 0.05% .05% APY2 Quarterly None $100.00 (Under Age 18, $0.00)
$10,000.01 - $50,000.00 0.10% .10% APY 2 Quarterly None $100.00 (Under Age 18, $0.00)
$50,000.01 - $100,000.00 0.15% .15% APY2 Quarterly None $100.00 (Under Age 18, $0.00)
$100,000.01 or over 0.15% .15% APY2 Quarterly None $100.00 (Under Age 18, $0.00)

Roth or Education IRA Savings Account

Roth or Education IRA Savings Account Dividend Rate Annual Percentage Yield (APY) Dividends Compounded Minimum Opening Deposit Minimum Balance to Earn APY in this Schedule
$100.00 - $10,000.00 0.05% .05% APY2 Quarterly None $100.00 (Under Age 18, $0.00)
$10,000.01 - $50,000.00 0.10% .10% APY2 Quarterly None $100.00 (Under Age 18, $0.00)
$50,000.01 - $100,000.00 0.15% .15% APY2 Quarterly None $100.00 (Under Age 18, $0.00)
$100,000.01 or over 0.15% .15% APY2 Quarterly None $100.00 (Under Age 18, $0.00)

Money Market Account

Money Market Account Dividend Rate Annual Percentage Yield (APY) Dividends Compounded Minimum Opening Deposit Minimum Balance to Earn APY in this Schedule
$1,000 - $10,000 0.10% .10% APY3 Monthly None $1000.00
$10,000.01 - $25,000.00 0.15% .15% APY3 Monthly None $1000.00
$25,000.01 - $50,000.00 0.20% .20% APY3 Monthly None $1000.00
$50,000.01 - $100,000.00 0.25% .25% APY3 Monthly None $1000.00
$100,000.01 - $250,000.00 0.30% .30% APY3 Monthly None $1000.00
$250,000.01 and up 0.35% .35% APY3 Monthly None $1000.00

Savvy Money Market Account

Savvy Money Market Account Dividend Rate Annual Percentage Yield (APY) Dividends Compounded Minimum Opening Deposit Minimum Balance to Earn APY in this Schedule
$250,000.01 and up 0.55% 0.55% APY14 Monthly $250,000.00 $250,000.00

Certificate Rates

Certificate Rates Annual Percentage Yield (APY) Dividends Compounded Minimum Opening Deposit
3-month Certificate 0.25% APY4 Quarterly $500.00
6-month Certificate 0.35% APY4 Quarterly $500.00
12-month Certificate 0.60% APY4 Quarterly $500.00
18-month Certificate 0.65% APY4 Quarterly $500.00
24-month Certificate 0.75% APY4 Quarterly $500.00
36-month Certificate 0.90% APY4 Quarterly $500.00
48-month Certificate 1.00% APY4 Quarterly $500.00
59-month Certificate 1.35% APY4 Quarterly $500.00
59-month Rate Riser (IRA Certificates only) 1.35% APY4 Quarterly $500.00

Certificate Rate Specials

Certificate Rate Specials Annual Percentage Yield (APY) Dividends Compounded Minimum Opening Deposit
13-month Certificate Special 0.80% APY4 Quarterly $500.00
47-Month Certificate Special 1.30% APY4 Quarterly $500.00

Auto Loans

Auto Loans Annual Percentage Rate (APR)
Car, Truck, SUV (2019 or newer) (As low as) 2.34% APR5
Car, Truck, SUV (2018 or older) (As low as) 2.74% APR15
Motorcycle (As low as) 6.99% APR18
Boat (As low as) 4.24% APR19
RV (As low as) 4.24% APR19

Personal Loans - Collateral

Personal Loans - Collateral Term Annual Percentage Rate (APR) Minimum Loan Amount
Share Secured 144 months 3.75% APR6 $250.00
Share Certificate 144 months 3.75% APR6 $250.00

Personal Loans - Unsecured

Personal Loans - Unsecured Term Annual Percentage Rate (APR)
Line of Credit - up to $15,000 8.49% APR7
Fixed Signature - up to $500 - $25,000 12 - 48 months 6.74% APR8
Fixed Signature - up to $500 - $25,000 49 – 66 months 7.74% APR16
Fixed Signature - up to $500 - $25,000 67 – 84 months 8.74% APR17

VISA

VISA Annual Percentage Rate (APR)
Platinum 9.25% APR9
Classic 8.99% APR10

Home Equity Line of Credit

Product Annual Percentage Rate (APR)
Home Equity Line of Credit 3.00% APR11

Home Loans

Home Loans Interest Rate Annual Percentage Rate (APR)
5 Year Fixed 2.400% 2.685% APR12
15 Year Fixed 2.500% 2.600% APR12
15 Year Fixed JUMBO 2.750% 2.778% APR12
20 Year Fixed 2.875% 2.953% APR12
20 Year Fixed JUMBO 3.125% 3.146% APR12
30 Year Fixed 3.125% 3.181% APR12
30 Year Fixed JUMBO 3.375% 3.390% APR12
Raw Land 4.000% 4.109% APR12
3 Year ARM 2.250% 2.499% APR12
5 Year ARM 2.500% 3.492% APR12
7 Year ARM 2.750% 2.729% APR12
10 Year ARM 3.000% 2.729% APR12

Business Money Market

Business Money Market Divided Rate Annual Percentage Yield (APY) Dividends Compounded Minimum Opening Deposit Minimum Balance to Earn APY in this Schedule
$1,000 - $10,000 0.10% .10% APY3 Monthly None $1000.00
$10,000.01 - $25,000.00 0.15% .15% APY3 Monthly None $1000.00
$25,000.01 - $50,000.00 0.20% .20% APY3 Monthly None $1000.00
$50,000.01 - $100,000.00 0.25% .25% APY3 Monthly None $1000.00
$100,000.01 - $250,000.00 0.30% .30% APY3 Monthly None $1000.00
$250,000.01 and up 0.35% .35% APY3 Monthly None $1000.00

Business Savvy Money Market

Business Savvy Money Market Divided Rate Annual Percentage Yield (APY) Dividends Compounded Minimum Opening Deposit Minimum Balance to Earn APY in this Schedule
$250,000.01 and up 0.55% 0.55% APY14 Monthly $250,000.00 $250,000.00

Business Certificate Rates

Business Certificate Rates Annual Percentage Yield (APY) Dividends Compounded Minimum Opening Deposit
3-month Certificate 0.25% APY4 Quarterly $500.00
6-month Certificate 0.35% APY4 Quarterly $500.00
12-month Certificate 0.60% APY4 Quarterly $500.00
18-month Certificate 0.65% APY4 Quarterly $500.00
24-month Certificate 0.75% APY4 Quarterly $500.00
36-month Certificate 0.90% APY4 Quarterly $500.00
48-month Certificate 1.00% APY4 Quarterly $500.00
59-month Certificate 1.35% APY4 Quarterly $500.00

Business Certificate Rate Specials

Business Certificate Rate Specials Annual Percentage Yield (APY) Dividends Compounded Minimum Opening Deposit
13-month Certificate Special 0.80% APY4 Quarterly $500.00
47-Month Certificate Special 1.30% APY4 Quarterly $500.00

1Annual Percentage Yield - APY, Rates are variable and may be changed or discontinued at any time. Dividends paid and compounded Quarterly on Savings Accounts. 
2Annual Percentage Yield , Rates will be updated as they change. Rates may be changed or discontinued at any time. Fees may reduce earnings. Dividends paid and compounded quarterly on IRAs. If account is closed before accrued dividends are credited, those dividends will be forfeited.  This information is not intended as tax advice. Please consult a tax professional before making decisions regarding your IRA.
3Annual Percentage Yield, Accurate as of the last dividend declaration date and may be changed or discontinued at any time after account is opened. 0.00% APY on balances less than $1,000. Fees may reduce earnings on the account. Dividends are paid and compounded monthly. Minimum balance to open account is $250,000. 
4Annual Percentage Yield. Certificates-$500.00 minimum deposit. Dividends paid and compounded quarterly. Dividend may be paid monthly for account balances $10,000.00 or higher (Excludes 13 and 47 month certificates). Rates may be changed or discontinued at any time; call your local branch for current rates. Fees and/or withdrawals will reduce earnings. When opening a certificate the member has agreed to leave the principal of this account on deposit for the full term stated in the account or renewal notice. If all or part of the principal is withdrawn before the maturity date, the Credit Union may charge a penalty. Withdrawal of the principal amount of the certificate may be made only with the consent of the Credit Union. Unless stated otherwise, the owner shall forfeit an amount equal to 90 days dividends, whether earned or not, on certificates with maturities between 3 months and 26 months; 180 days dividends, whether earned or not, on certificates with maturities between 30 and 48 months; 365 days dividends, whether earned or not, on 59 months certificates. The penalty may be calculated at the rate paid on the deposit. The penalty will, if necessary, be taken from the principal amount of the deposit. Our 59-month Rate Riser Certificate is specifically for your Abound Credit Union IRA.
5Annual Percentage Rate. Quoted rate is fixed for vehicles model year 2019 and newer and is based on credit worthiness, qualifications and collateral conditions. All loans are subject to approval. Rate applicable to new purchases or external refinancing only with a vehicle that has 60% LTV (Loan to Value). Vehicle must be 2019 or newer for quoted APR to apply. Rates subject to change at any time. Car Loan Example: A fixed $10,000 loan for 60 months @ 2.34% APR is a $176.76 payment with no payment protection.
6Annual Percentage Rate. Quoted rate is fixed and is based on credit worthiness and qualifications. All loans are subject to approval. The Annual Percentage Rate (APR) is subject to change quarterly on the 15th day of the first month of the quarter (January, April, July and October) following any change in the Index and will be determined by Prime Rate as listed in the “Money Rates” section of The Wall Street Journal on the last day of each calendar quarter (March, June, September and December), to which we add a margin. The Annual Percentage Rate will never be greater than 18%. If the Index is no longer available, the Credit Union will choose a new index which is based upon comparable information. Personal Loans - Collateral Example: A $10,000 loan for 144 months @ 3.75% APR is a $86.34 monthly payment. 
7APR - Annual Percentage Rate. The Annual Percentage Rate (APR) is subject to change quarterly on the 15th day of the first month of the quarter (January, April, July and October) following any change in the Index and will be determined by Prime Rate as listed in the “Money Rates” section of The Wall Street Journal on the last day of each calendar quarter (March, June, September and December), to which we add a margin. The Annual Percentage Rate will never be greater than 18%. If the Index is no longer available, the Credit Union will choose a new index which is based upon comparable information. Subject to $10 membership fee if not already a member. Personal Loans - Unsecured Example: A $5,000 Fixed Signature for 60 months @ 8.49% APR is a $102.56 monthly payment.
8APR - Annual Percentage Rate. Loan and payment terms are subject to credit review. Must have direct deposit into an Abound Checking or Savings Account to qualitfy for quoted rate. Example: All loans are subject to approval. 6.74% is based on 48 monthly payments of $238.25 per $10,000 borrowed.
9Annual Percentage Rate. Quoted rate is based on credit worthiness and qualifications. Rate may vary with the Prime Rate. Subject to $10 membership fee if not already a member.
10Annual Percentage Rate. Quoted rate is based on credit worthiness and qualifications. Rate may vary over time. 8.99%-18.00% APR for purchases and balance transfers. Subject to $10 membership fee if not already a member.
11Annual Percentage Rates (APR) vary for qualified borrowers between 3.00% APR and 5.20% APR based on Combined-Loan-To-Value (CLTV), line amount and credit score. The rate is variable, indexed with margin to the prime rate and subject to change on a quarterly basis, up to a maximum of 18.00% APR. Subject to $10 membership fee if not already a member.
12Annual Percentage Rate are based on a variety of factors including but not limited to credit history, loan amount, purpose of the loan and loan-to- value ratio. Higher rates may apply. Quoted rates are for LTV at 80% or less. Rates are subject to change without notice and are not locked at the time of application.
5yr. Fixed Rate Example: A fixed $150,000 for 60 months at 2.685% APR is a $2,674.36 monthly payment.
15yr. Fixed Rate Example: A fixed $150,000 for 180 months at 2.600% APR is a $1,007.26 monthly payment.
15 Year Jumbo Fixed Rate Example: A loan of $548,250 for 180 months at 2.778% APR is a $3,727.85 monthly payment.
20yr. Fixed Rate Example: A fixed $150,000 for 240 months at 2.953% APR is a $828.37 monthly payment.
20 Year Jumbo Fixed Rate Example: A loan of $548,250 for 240 months at 3.146% APR is a $3,080.81 monthly payment.
30yr. Fixed Rate Example: A fixed $150,000 for 360 months at 3.181% APR is a $647.14 monthly payment.
30 Year Jumbo Fixed Rate Example: A loan of $548,250 for 360 months at 3.390% APR is a $2,428.35 monthly payment.
Raw Land ARM (30 Year Loan - Fixed for 7 Years) - $150,000 at 4.109% APR is a $725.58 monthly payment.
3 Year ARM (30 year loan fixed for first 3 years) Rate Example: $150,000 at 2.499% APR is a $592.60 monthly payment.
5 Year ARM (30 year loan fixed for first 5 years) Rate Example: $150,000 at 3.492% APR is a $672.90 monthly payment.
7 Year ARM (30 year loan fixed for first 7 years) Rate Example: $150,000 at 2.729% APR is a $610.69 monthly payment.
10 Year ARM (30 year loan fixed for first 10 years) Rate Example: $150,000 at 2.729% APR is a $610.69 monthly payment.
13Annual Percentage Yield. Certificates-$500.00 minimum deposit. Dividends paid and compounded quarterly. Dividend may be paid monthly for account balances $10,000.00 or higher. Rates may be changed or discontinued at any time; call your local branch for current rates. Fees and/or withdrawals will reduce earnings. When opening a certificate the member has agreed to leave the principal of this account on deposit for the full term stated in the account or renewal notice. If all or part of the principal is withdrawn before the maturity date, the Credit Union may charge a penalty. Withdrawal of the principal amount of the certificate may be made only with the consent of the Credit Union. Unless stated otherwise, the owner shall forfeit an amount equal to 90 days dividends, whether earned or not, on certificates with maturities between 3 months and 26 months. The penalty may be calculated at the rate paid on the deposit. The penalty will, if necessary, be taken from the principal amount of the deposit. Promotional rate only be available for new or current member residing in Kentucky, Indiana, or Tennessee.
14Annual Percentage Yield, Accurate as of the last dividend declaration date and may be changed or discontinued at any time after account is opened. 0.00% APY on balances less than $250,000. Fees may reduce earnings on the account. Dividends are paid and compounded monthly. Minimum balance to open account is $250,000. 
15Annual Percentage Rate. All loans are subject to approval. Rate applicable to new purchases or external refinancing only with a vehicle that has 60% LTV (Loan to Value). Rates subject to change at any time. Quoted rate is fixed for vehicles model year 2018 – 2017 and is based on credit worthiness, qualifications and collateral conditions. Vehicle must be 2018 - 2017 for quoted APR to apply. Older model years may qualify for financing at different rates and terms. Car Loan Example: A fixed $10,000 loan for 60 months @ 2.74% APR is a $178.53 payment with no payment protection.
16APR - Annual Percentage Rate. Loan and payment terms are subject to credit review. Must have direct deposit into an Abound Checking or Savings Account to qualitfy for quoted rate. Example: All loans are subject to approval. 7.74% is based on 66 monthly payments of $186.52 per $10,000 borrowed.
17APR - Annual Percentage Rate. Loan and payment terms are subject to credit review. Must have direct deposit into an Abound Checking or Savings Account to qualitfy for quoted rate. Example: All loans are subject to approval. 8.74% is based on 84 monthly payments of $159.57 per $10,000 borrowed.
18 APR - Annual Percentage Rate. Quoted rate is fixed for a new vehicle and is based on credit worthiness, qualifications and collateral condition.  All loans subject to approval.  Rate applicable to new purchases or external financing only.  Must have direct deposit into an Abound Checking or Savings Account to qualitfy for quoted rate.  Motorcycle Loan Example: A fixed $10,000 loan for 60 months @ 6.99% APR is a $197.96 monthly payment with no payment protection.
19 APR - Quoted rate is fixed for vehicles model year 2018 and newer and is based on credit worthiness, qualifications and collateral conditions. All loans are subject to approval. Rate applicable to new purchases or external refinancing only with a vehicle that has 90% LTV (Loan to Value). Must have direct deposit into an Abound Checking or Savings Account to qualitfy for quoted rate. Vehicle must be 2018 or newer for quoted APR to apply. Boat Loan Example: A fixed $10,000 loan for 60 months @ 4.24% APR is a $185.25 monthly payment with no payment protection. RV Loan Example: A fixed $10,000 loan for 60 months @ 4.24% APR is a $185.25 monthly payment with no payment protection.

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