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Borrowing & Deposit Rates
Borrowing Rates
Rates Effective September 2, 2025
Rates shown are for scores 720 or higher - $75 Loan Processing Fee. Rates are subject to change at any time. All loan interest rate questions should be referred to the Loan Department
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Vehicle
2022 or Newer
5.49%
2021 - 2018
6.29%
2017 or Older
7.89%
Up to 63 Months
2019 or Newer
6.49%
2018 - 2015
7.29%
2014 or Older
8.89%
2019 or Newer
6.49%
2018 - 2015
7.29%
2014 or Older
8.89%
Motorcycle
2023 or Newer
7.39%
2022 - 2019
8.19%
2018 or Older
10.19%
Up to 63 Months
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Boat/RV
2023 or Newer
6.09%
2022 - 2019
7.09%
2018 or Older
8.29%
Up to 63 Months
Personal Loan
1 - 24 Months
10.29%
25 - 36 Months
10.54%
37 - 48 Months
10.79%
49 - 60 Months
11.04%
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Unsecured Line of Credit
Up to $15,000
14.00%
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Credit Cards
$0 - $4,999
12.96%
$5,000 - $15,000
11.96%
HELOC
120 Months
Margin
Prime
Max LTV: 80% | Max CLTV: 90% | Closing Cost: $750
Home Equity Loans
60 Months
7.25%
84 Months
7.50%
120 Months
7.75%
Max LTV: 80% | Max CLTV: 90% | Closing Cost: $750
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Lot Loans
Unimproved/Improved Lot
Up to 60 Months
Prime + 2.0%
Credit Builder
24 Months
Dividend Rate + 10.00%
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Deposit Rates
Rates Effective March 31, 2026
Rates subject to change at any time.
Minimum $500 is required to earn dividends
Certificates of Deposit
Rate
6 Months
12 Months
18 Months
24 Months
36 Months
48 Months
60 Months
Charm
Term
3.59%
3.59%
3.59%
3.59%
3.59%
3.74%
3.74%
3.59%
APY
3.65%
3.65%
3.65%
3.65%
3.65%
3.80%
3.80%
3.65%
Jumbo CD
Minimum $250,000
Term
12 Months
24 Months
Rate
3.88%
3.69%
APY
3.95%
3.75%
Consumer Money Market
Rate
$1 - $2,499.99
$2,500 - $24,999.99
$25,000 - $49,999.99
$50,000 - $249,999.99
$250,000+
Tier
0.05%
0.25%
2.00%
2.25%
2.35%
Business Money Market
Rate
$1 - $2,499.99
$2,500 - $24,999.99
$25,000 - $49,999.99
$50,000 - $249,999.99
$250,000 - $349,999.99
$350,000+
Tier
0.05%
0.25%
2.00%
2.25%
2.35%
2.75%
Regular Share
Rate
$0.01 - $299.99
$300 +
Tier
0.00%
0.05%
APY
0.00%
0.05%
KIDZ Accounts
Rate
$0.01 - $299.99
$300 +
Tier
0.00%
0.05%
APY
0.00%
0.05%
Other Shares
IRAs (Roth & Traditional)
Christmas Club
Classic Checking*
KASASA Saver - up to $14,999.99
KASASA Saver - over $15,000
KASASA Cash Checking**
Rate
0.50%
0.05%
0.05%
0.75%
0.25%
2.00%
APY
0.50%
0.05%
0.05%
0.75%
0.25%
2.00%
* Minimum daily balance of $1,000 must be maintained to earn dividends.
** See KASASA requirements for rewards
Your accounts are insured with American Share Insurance
Share Insurance that goes beyond.
With account insurance through American Share Insurance that includes Excess Share Insurance, Abbey offers your accounts more comprehensive coverage than what the federal government can provide.
Protection per account, not per member, with no limit to the number of individual member accounts that can be insured.
But wait... there's more!
We really do have it all.
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