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 Age 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 $1000.00 $1000.00
$10,000.01 - $25,000.00 0.15% .15% APY3 Monthly $1000.00 $1000.00
$25,000.01 - $50,000.00 0.20% .20% APY3 Monthly $1000.00 $1000.00
$50,000.01 - $100,000.00 0.35% .35% APY3 Monthly $1000.00 $1000.00
$100,000.01 - $250,000.00 0.40% .40% APY3 Monthly $1000.00 $1000.00
$250,000.01 and up 0.45% .45% APY3 Monthly $1000.00 $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 0.70% 0.70% APY13 Monthly $250,000.00 $250,000.00

Certificate Rate Specials

Certificate Rate Specials Annual Percentage Yield (APY) Dividends Compounded Minimum Opening Deposit
13-month Certificate Special 1.30% APY4 Quarterly $500.00
26-month Certificate Special 2.50% APY4 Quarterly $500.00

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 0.50% APY4 Quarterly $500.00
12-month Certificate 0.60% APY4 Quarterly $500.00
18-month Certificate 0.75% APY4 Quarterly $500.00
24-month Certificate 0.85% APY4 Quarterly $500.00
36-month Certificate 1.00% APY4 Quarterly $500.00
48-month Certificate 1.10% APY4 Quarterly $500.00
59-month Certificate 1.25% APY4 Quarterly $500.00
59-month Rate Riser (IRA Certificates only) 1.25% APY4 Quarterly $500.00

Auto Loans

Auto Loans Annual Percentage Rate (APR)
Car, Truck, SUV (2020 or newer) (As low as) 2.54% APR5
Car, Truck, SUV (2019 or older) (As low as) 2.94% APR14
Motorcycle (As low as) 4.34% APR17
Boat (As low as) 4.34% APR18
RV (As low as) 4.34% APR18

Personal Loans - Collateral

Personal Loans - Collateral Term Annual Percentage Rate (APR) Minimum Loan Amount
Share Secured 144 months 4.50% APR6 $250.00
Share Certificate 144 months 4.00% APR6 $250.00

Personal Loans - Unsecured

Personal Loans - Unsecured Term Annual Percentage Rate (APR)
Line of Credit - up to $15,000 8.74% APR7
Fixed Signature - $500 - $25,000 12 - 48 months 6.90% APR8
Fixed Signature - $500 - $25,000 49 – 66 months 8.00% APR15
Fixed Signature - $500 - $25,000 67 – 84 months 9.10% APR16

VISA

VISA Annual Percentage Rate (APR)
Platinum 10.00% APR9
Classic 8.99% APR10

Home Equity Line of Credit

Product Annual Percentage Rate (APR)
Home Equity Line of Credit 3.25% APR11

Home Loans

Home Loans Interest Rate Annual Percentage Rate (APR)
5 Year Fixed 5.275% 5.583% APR12
15 Year Fixed 5.250% 5.364% APR12
15 Year Fixed JUMBO 5.500% 5.526% APR12
20 Year Fixed 5.500% 5.591% APR12
20 Year Fixed JUMBO 5.750% 5.771% APR12
30 Year Fixed 5.875% 5.944% APR12
30 Year Fixed JUMBO 6.125% 6.141% APR12
Raw Land 7.000% 7.014% APR12
3 Year ARM 5.000% 5.633% APR12
5 Year ARM 5.250% 6.145% APR12
7 Year ARM 5.500% 5.633% APR12
10 Year ARM 5.750% 5.633% APR12

1Annual Percentage Yield. Rates are variable and may be changed or discontinued at any time. Dividends paid and compounded Quarterly. Business accounts not eligible. Subject to $10 membership fee if not already a member.
2Annual Percentage Yield. Rates are variable and 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. IRAs are only available for consumer members. This information is not intended as tax advice. Please consult a tax professional before making decisions regarding your IRA. Subject to $10 membership fee if not already a member.
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. Available to both consumer and business members. Minimum balance to open account is $1,000.  Subject to $10 membership fee if not already a member.
4Annual Percentage Yield. Certificates-$500.00 minimum deposit. Available for both consumer and business accounts. Dividends paid and compounded quarterly. Dividend may be paid monthly for account balances $10,000.00 or higher for consumer accounts only (Excludes 13, 26 and 35-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. Subject to $10 membership fee if not already a member.
5Annual Percentage Rate. Quoted rate is fixed for vehicles model year 2020 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). Rates subject to change at any time. Subject to $10 membership fee if not already a member. Auto Loan Example: A fixed $10,000 loan for 60 months @ 2.54% APR is a $177.65 payment with no payment protection.
6Annual Percentage Rate. 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 - Collateral Example: A $10,000 loan for 144 months at 4.00% APR is a $87.55 monthly payment. 
7APR - Annual Percentage Rate. Quoted rate is based on credit worthiness and qualifications. All loans subject to approval. 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. 
8Annual Percentage Rate. Quoted rate is based on credit worthiness and qualifications. All loans subject to approval. Must have direct deposit into an Abound Checking or Savings Account to qualify for quoted rate. Subject to $10 membership fee if not already a member. Personal Loans - Unsecured Example: A fixed $10,000 loan for 48 months at 6.90% APR is a $239.00 monthly payment with no payment protection.
9Annual Percentage Rate. Quoted rate is based on credit worthiness and qualifications. All loans subject to approval. 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. All loans subject to approval. 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 Rate varies for qualified borrowers between 3.25% APR and 5.45% 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 is based on a variety of factors including but not limited to credit history, loan amount, purpose of the loan and loan-to-value (LTV) 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. Subject to $10 membership fee if not already a member.
5 Year Fixed Rate Example: A fixed $150,000 loan for 60 months at 5.457% APR is a $2,862.20 monthly payment.
15 Year Fixed Rate Example: A fixed $150,000 loan for 180 months at 5.364% APR is a $1,214.83 monthly payment.
15 Year Jumbo Fixed Rate Example: A fixed $647,200 loan for 180 months at 5.500% APR is a $5,297.10 monthly payment.
20 Year Fixed Rate Example: A fixed $150,000 loan for 240 months at 6.125% APR is $1,093.60 monthly payment.
20 Year Jumbo Fixed Rate Example: A fixed $647,200 loan for 240 months at 6.375% APR is a $4,786.18 monthly payment.
30 Year Fixed Rate Example: A fixed $150,000 loan for 360 months at 6.195% APR is a $918.22 monthly payment.
30 Year Jumbo Fixed Rate Example: A fixed $647,200 loan for 360 months at 6.391% APR is a $4,044.46 monthly payment.
Raw Land Adjustable Rate Mortgage, ARM (15 Year Loan - Fixed for 7 Years) Example: $75,000 at 6.210% APR is a $641.43 monthly payment.
3 Year Adjustable Rate Mortgage, ARM (30 Year Loan - fixed for first 3 years) Rate Example: $150,000 at 5.000% APR is a $805.23 monthly payment.
5 Year Adjustable Rate Mortgage, ARM (30 Year Loan - fixed for first 5 years) Rate Example: $150,000 at 5.603% APR is a $828.31 monthly payment.
7 Year Adjustable Rate Mortgage, ARM (30 Year Loan - fixed for first 7 years) Rate Example: $150,000 at 4.830% APR is a $851.68 monthly payment.
10 Year Adjustable Rate Mortgage, ARM (30 Year Loan - fixed for first 10 years) Rate Example: $150,000 at 4.830% APR is a $851.68 monthly payment.
13 Annual 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. Available for both consumer and business accounts.
14 Annual Percentage Rate. Quoted rate is fixed for vehicles model year 2018-2019 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). Rates subject to change at any time. Older model years may qualify for financing at different rates and terms. Subject to $10 membership fee if not already a member. Auto Loan Example: A fixed $10,000 loan for 60 months @ 2.94% APR is a $179.42 payment with no payment protection.
15 Annual Percentage Rate. Quoted rate is based on credit worthiness and qualifications. All loans subject to approval. Must have direct deposit into an Abound Checking or Savings Account to qualify for quoted rate. Subject to $10 membership fee if not already a member. Personal Loans - Unsecured Example: A fixed $10,000 loan for 66 months at 8.00% APR is a $187.78 monthly payment with no payment protection.
16 Annual Percentage Rate. Quoted rate is based on credit worthiness and qualifications. All loans subject to approval. Must have direct deposit into an Abound Checking or Savings Account to qualify for quoted rate. Subject to $10 membership fee if not already a member. Personal Loans - Unsecured Example: A fixed $10,000 loan for 84 months at 9.10% APR is a $161.40 monthly payment with no payment protection.
17Annual Percentage rate. Quoted rate is fixed for motorcycles model year 2020-2022 and is based on credit worthiness, qualifications, and collateral condition. All loans subject to approval. Must have direct deposit into an Abound Checking or Savings Account to qualify for quoted rate. Subject to $10 membership fee if not already a member. Motorcycle Loan Example: A fixed $10,000 loan for 48 months at 4.34% APR is a $227.32 payment with not payment protection.
18 Annual Percentage rate. Quoted rate is fixed for boats and recreational vehicles model year 2019-2022 and is based on loan-to-value, credit worthiness, qualifications, and collateral condition. All loans subject to approval. Must have direct deposit into an Abound Checking or Savings Account to qualify for quoted rate. Subject to $10 membership fee if not already a member. Example: A fixed $10,000 loan for 60 months at 4.34% APR is a $185.70 payment with not payment protection.

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