Loan Rates are subject to change without notice. Please contact ABCFCU for current rates.
Risk Based: The Annual Percentage Rate (APR) will be within the range disclosed below and
is based on your credit worthiness
Loan Rates
Loan Type
Approximate Term
Annual Percentage Rate
Share Secured
144 Months
2.30%
Special Share Secured
144 Months
2.55%
6 Month Certificate Secured
144 Months
2.50% - 4.20%
12 Month Certificate Secured
144 Months
2.50% - 4.20%
24 Month Certificate Secured
144 Months
2.50% - 4.20%
36 Month Certificate Secured
144 Months
2.50% - 4.20%
Signature
42 Months
6.00% - 18.00%
New and Used Autos
Up to 60 Months
2.74% - 16.50%
New and Used Autos
Up to 72 Months
3.74% - 17.00%
New and Used Autos
Up to 84 Months
3.99% - 17.00%
New and Used Motorcycles
Up to 60 Months
2.74% - 16.50%
New and Used Motorcycles
Up to 72 Months
3.74% - 17.00%
New and Used Motorcycles
Up to 84 Months
3.99% - 17-00%
New and Used Boats, Boat Motors and Boat Trailers
Up to 60 Months
2.74% -16.50%
New and Used Boats, Boat Motors and Boat Trailers
Up to 72 Months
3.74% - 17.00%
New and Used Boats, Boat Motors and Boat Trailers
Up to 84 Months
3.99% - 17.00%
New and Used Boats, Boat Motors and Boat Trailers
Up to 96 Months
4.49% - 17.00%
New and Used Motor Homes, Travel Trailers and Campers
Up to 60 Months
2.74% - 16.50%
New and Used Motor Homes, Travel Trailers and Campers
Up to 72 Months
3.74% - 17.00%
New and Used Motor Homes, Travel Trailers and Campers
Up to 84 Months
3.99% - 17.00%
New and Used Motor Homes, Travel Trailers and Campers
Up to 120 Months
4.49% - 17.00%
New and Used Motor Homes, Travel Trailers and Campers
Up to 144 Months
5.49% - 17.00%
Other Secured Loans
Up to 60 Months
2.74% - 16.50%
Lines of Credit (Variable Rate)
6.00% - 18.00%
VISA Credit Card - No Annual Fee
6.25% - 18.00%
This table last modified on: 04/01/11
Risk Based: The Annual Percentage Rate (APR) you receive for each type of subaccount will be within the range disclosed above and based on your credit worthiness. Please ask for the rate you qualify for.
*Loans are eligible for a 0.25% discount with payroll payment or automatic payment from an Arkansas Best Federal Credit Union account excluding Share Secured, Certificate Secured, and Lines of Credit.
Rates on collateralized loans can be reduced by 0.25% for every 10% of equity in collateral at the time the loan is made up to a maximum 0.50% reduction.
Share/Certificate Advances: The Annual Percentage Rate (APR) for Share Secured/Certificate Advances will be the dividend rate being paid on your Shares/Certificate on the date of the advance plus 2%. The advance will be reviewed every 12 months and rate adjusted. If we renew the advance, a new Voucher will be sent to you disclosing the new rate.
LINES OF CREDIT: The Annual Percentage Rate (APR) will be based on an Index and Margin. The Index is the Prime Rate as published in the "Money Rates" section of the Wall Street Journal on the 15th day of the month preceding the rate change. The Annual Percentage Rate is subject to change the first day of the month following the published rate in the Wall Street Journal. Your Margin is based on your creditworthiness.
