Welcome to the new Abound Credit Union website
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Loan Rates
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Our focus is always on you and your financial success.
The right loan can create all types of possibilities
Maybe you're looking to finance a milestone, such as buying a home or your first car. Maybe you need some extra money for a necessary purchase. Wherever you are in life, Abound Credit Union meets you with various loan options designed to fit your budget and help you hit your goal.
Auto Loan Rates
Effective Date: March 28, 2024
| Auto Loans | Annual Percentage Rate (APR)* |
|---|---|
| Car, Truck, SUV (2022 or newer) | 5.74%⁵ |
| Car, Truck, SUV (2021 or older) | 6.24%¹⁴ |
Boat, RV, Motorcycle Loan Rates
Effective Date: February 1, 2024
| Boat, RV, Motorcycle Loans | Annual Percentage Rate (APR)* |
|---|---|
| Boat | 6.49%¹⁸ |
| RV | 6.49%¹⁸ |
| Motorcycle | 6.49%¹⁷ |
Personal Loan Rates - Collateral
Effective Date: December 20, 2023
| Personal Loans - Collateral | Term | Annual Percentage Rate (APR)* | Minimum Loan Amount |
|---|---|---|---|
| Share Secured | 144 months | 9.00%⁶ | $250.00 |
| Share Certificate | 144 months | 9.00%⁶ | $250.00 |
Personal Loan Rates - Unsecured
Effective Date: December 20, 2023
| Personal Loans - Unsecured | Term | Annual Percentage Rate (APR)* |
|---|---|---|
| Line of Credit - up to $15,000 | 13.74%⁷ | |
| Fixed Signature - $500 - $25,000 | 12 - 48 months | 9.15%⁸ |
| Fixed Signature - $500 - $25,000 | 49 – 66 months | 10.25%¹⁵ |
| Fixed Signature - $500 - $25,000 | 67 – 84 months | 11.35%¹⁶ |
VISA Credit Card Rates
Effective Date: April 2, 2024
| VISA Credit Card | Annual Percentage Rate (APR)* |
|---|---|
| Platinum | as low as 15.50%¹⁰ |
| Classic | as low as 10.99%⁹ |
Home Equity Line of Credit Rates
Effective Date: December 20, 2023
| Home Equity Line of Credit | Annual Percentage Rate (APR)* |
|---|---|
| Home Equity Line of Credit | 8.25%¹¹ |
Home Loan Rates
Effective Date: April 29, 2024
| Home Loans | Interest Rate | Annual Percentage Rate (APR)* |
|---|---|---|
| 15 Year Fixed | 6.500% | 6.642%¹² |
| 15 Year Fixed JUMBO | 6.750% | 6.779%¹² |
| 20 Year Fixed | 7.125% | 7.241%¹² |
| 20 Year Fixed JUMBO | 7.375% | 7.399%¹² |
| 30 Year Fixed | 7.250% | 7.340%¹² |
| 30 Year Fixed JUMBO | 7.500% | 7.519%¹² |
| Raw Land | 9.125% | 9.408%¹² |
| 5 Year ARM | 6.375% | 6.460%¹² |
| 7 Year ARM | 6.375% | 6.460%¹² |
Abound Credit Union is a full-service financial institution with locations throughout central and southern Kentucky.
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5Annual Percentage Rate. Quoted rate is fixed for vehicles model year 2022 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 @ 5.74% APR is a $192.12 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 9.0% APR is a $113.80 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 9.15% APR is a $249.56 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. 15.5%-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 8.25% APR and 10.45% 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.
30 Year Fixed Rate Example: A fixed $150,000 loan for 360 months at 7.340% APR is a $1023.26 monthly payment.
20 Year Fixed Rate Example: A fixed $150,000 loan for 240 months at 7.241% APR is a $1174.23 monthly payment.
15 Year Fixed Rate Example: A fixed $150,000 loan for 180 months at 6.642% APR is a $1306.66 monthly payment.
30 Year Jumbo Rate Example: A fixed $766,550 loan for 360 months at 7.519% APR is a $5359.83 monthly payment.
20 Year Jumbo Rate Example: A fixed $766,550 loan for 240 months at 7.399% APR is a $6116.82 monthly payment.
15 Year Jumbo Rate Example: A fixed $766,550 loan for 180 months at 6.779% APR is a $6783.27 monthly payment.
Raw Land Adjustable Rate Mortgage, ARM (15 Year Loan - Fixed for 7 Years) Example: $75,000 at 9.408% APR is a $766.29 monthly payment.
5 Year Adjustable Rate Mortgage, ARM (30 Year Loan - fixed for first 5 years) Rate Example: $150,000 at 6.460% APR is a $935.80 monthly payment.
7 Year Adjustable Rate Mortgage, ARM (30 Year Loan - fixed for first 7 years) Rate Example: $150,000 at 6.460% APR is a $935.80 monthly payment.
14 Annual Percentage Rate. Quoted rate is fixed for vehicles model year 2020-2021 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 @ 6.24% APR is a $194.45 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 10.25% APR is a $198.84 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 11.35% APR is a $173.07 monthly payment with no payment protection.
17Annual Percentage rate. Quoted rate is fixed for motorcycles model year 2021-2024 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 6.49% APR is a $237.10 payment with not payment protection.
18 Annual Percentage rate. Quoted rate is fixed for boats and recreational vehicles model year 2021-2024 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 6.49% APR is a $195.61 payment with no payment protection.