Rates // Abbey Credit Union Inc.

Abbey Credit Union is here to help members affected by the government shutdown. Our Government Furlough Assistance Loan offers up to 12 months at 7.25% for any credit score, with a maximum loan amount of one month of net income. If the loan is paid in full within 30 days, the accrued interest will be refunded*. Proof of income and verification of impact are required. Members impacted by the shutdown can also skip their November loan payment with no fee through our Skip-A-Pay program**.

*Approved loan amount will be up to 1 month worth of net income. Member must provide proof of net income through a paystub, bank statement, or direct deposit into an Abbey Credit Union account. Member must also provide verification of belonging to a group negatively affected by the government shutdown. This special loan is a fixed rate of 7.25% Annual Percentage Rate for the entire 12-month term. For example, a $1,5000 loan with a 12-month term at a rate of 7.25%, will have a monthly payment of $129.96. Interest accrued will be refunded if the loan is paid in full within 30 days of loan closing. If your payment is more than 10 days late, there is a $35 late fee. Member must be in good standing. No loan processing fee. All loans are subject to credit review and approval. Accurate as 10/6/2025. APR or loan special may change at any time.
**The following loans are not eligible for Skip-A-Pay: Mortgages, Home Equity Loans, HELOCs, Visas, Lines of Credit, and Member Business Loans. Member is to provide verification of belonging to a group negatively affected by the government shutdown and sign our Skip-A-Pay form.

Security Notice: We have identified a recent incident where scammers have been making calls that appear to come from Abbey's number. Abbey does not request personal information by phone. Your security is our top priority. If you receive a suspicious call, do not provide any personal information and contact us directly.

Loan Rates Effective Sep 02, 2025

All loan interest rate questions should be referred to the Loan Department.

Auto Loans

Type of Loan	Term	Rate^*
New Car / Truck
2021 or Newer	Up to 63 Months*	5.49%

Used Car / Truck
2020 - 2017	Up to 63 Months *	6.29%
2016 - Older	Up to 63 Months *	7.89%

New / Used Motorcycle
2022 or Newer	Up to 63 Months*	7.39%
2021 - 2018	Up to 63 Months*	8.19%
2017 - Older	Up to 63 Months	10.19%

Recreational Loans

Type of Loan	Term	Rate^*
New/Used ATV/UTV/Personal Watercraft/RV/Camper/Snowmobiles
2022 or Newer	Up to 63 Months*	6.09%
2021 - 2018	Up to 63 Months*	7.09%
2017 - Older	Up to 63 Months	8.29%

Signature Loans

Type of Loan	Term	Rate^*
Signature (Unsecured) Loan
	1 - 24 Months*	10.29%
	25 - 36 Months*	10.54%
	37 - 48 Months*	10.79%
	49 - 60 Months*	11.04%

Unsecured Line of Credit
Unsecured Line of Credit	2% of Outstanding Balance	14.00%

HELOC

Type of Loan	Margin	Max LTV	Max CLTV	Closing Cost

120 Months	PRIME	80%	90%	$750

Home Equity Loans

Type of Loan	Rate	Max LTV	Max CLTV	Closing Cost
Home Equity Loan
60 Months	7.25	80%	90%	$750
84 Months	7.50	80%	90%	$750
120 Months	7.75	80%	90%	$750

Lot Loans

Type of Loan	Term	Rate^*
Unimproved/Improved Lot
Unimproved Lot	Up to 60 Months	Prime Rate + 2.0%

Credit Builder Loans

Type of Loan	Term	Rate^*
Credit Builder
Credit Builder	24 Months	Dividend Rate + 10.00%

Credit Cards

Type of Loan	Fixed Rate
Credit Cards
VISA® Classic	12.96%
VISA® Gold	11.96%

*(For Scores 720 or better) $75 Loan Processing Fee. Rates are subject to change at any time.