Personal Lending

At ABOC, we care about you and want to help you to fulfill your dreams. We offer a variety of different loans that will help you to reach your financial goals.

Home Mortgages

Whether you are buying a new home or looking to refinance an existing mortgage to fit your needs, we have you covered! We offer a variety of loan types that can support your financial goals at almost any stage of life.

• Fixed-rate mortgages offer the security of equal payments through the life of the loan
• Adjustable-rate mortgages offer lower initial monthly payments

Both types of loans can be customized based on your personal circumstances to give you even more value. Ask your ABOC Loan Officer to help you select the terms that make the most sense for you.

Home Equity Line of Credit

• Variable interest rate indexed to the Wall Street Journal  Prime Rate minus a margin of 1%. A minimum Annual Percentage Rate (APR) of 4.00% applies and is subject to increase after consummation. The maximum APR will never be higher than 21% (8.50% APR as of July 1, 2024)
• Pay no points and no appraisal fees
• After the first year, an annual fee of $30 applies
• If you close your loan in the first 3 years, you must pay an early termination fee of $300
• Borrow up to 80% of the appraised value of your home (less your first mortgage balance) if qualified
• Borrowed funds can be used for a variety of reasons, including home improvements, medical bills, automobile purchases, investment opportunities, debt consolidation – or even a vacation!

Loan Officers

Automobile Loans

Get in the driver's seat with an ABOC auto loan for new and used cars. We offer a variety of repayment plans!

Subject to credit approval and underwriting guidelines.

Personal Credit Cards

Whether you are looking for a credit card that offers travel rewards, cash back on purchases, a competitive APR, credit repair, or simply greater convenience, ABOC can help. We are proud to offer a variety of cards to meet your needs:

• ABOC Visa Signature® Travel – The perfect card for frequent travelers – your rewards can add up quickly with 1.5 points per dollar on net purchases, plus a bonus 30,000 points when you spend $2,500 in the first three months! Redeem points for statement credits, gift cards, merchandise, rental cars, cruises, activities – even airline tickets (on any airline with no blackout dates)! You’ll also get a 0% introductory APR on purchases and balance transfers for the first 12 billing cycles* (18.24%-24.24% variable APR, thereafter). See Important Disclosures.
• ABOC Rewards Platinum – Earn 1 point per dollar on all of your net purchases, then enjoy the flexibility of choosing whether to redeem for merchandise, gift cards, cash (in the form of a statement credit), travel and more. Get a 0% introductory APR on purchases and balance transfers for the first 12 billing cycles* (15.24%-25.24% variable APR, thereafter). See Important Disclosures.
• ABOC Cash Rewards Platinum – Earn 1% cash back on all of your net purchases at any of the millions of locations worldwide where Visa® is accepted. There is no limit to the amount of rewards you can earn! Also take advantage of a 0% introductory Annual Percentage Rate (APR) on purchases and balance transfers for the first 12 months* (18.24%-28.24% variable APR, thereafter). See Important Disclosures.
• ABOC Platinum Edition – Looking for a solid low-interest credit card? Get a 0% introductory APR on purchases and balance transfers for the first 12 billing cycles* (14.24%-24.24% variable APR, thereafter). See Important Disclosures.
• ABOC Secured Platinum – The perfect solution for those looking to build or re-build credit. It works like any other credit card except it requires a security deposit to be held as collateral for your account. Additionally, your card gives you access to free financial education and fraud prevention tools.* See Important Disclosures.

All of our cards also offer cell phone protection**, mobile payments like Apple Pay™, fraud monitoring, $0 liability for unauthorized purchases, and 24/7 personal customer service. Why wait? Apply today!

*See applications' Important Disclosures for current rates, fees and terms. This card is issued by TCM Bank, N.A. Subject to credit approval.

**Certain terms, conditions and exclusions apply. In order for the coverage to apply, you must charge your eligible cellular wireless bill to your covered TCM Bank-issued card. To learn more about this benefit or to file a claim visit the FAQ section at www.cardbenefitservices.com or call 1-866-894-8569.