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Certificates


"YOU WIN" CERTIFICATES.
Your Choice.

Interest rates are going up, so you don’t want to tie up your money long term. With ABNB's "You-Win” Certificates, you have total control.

Get great rates and have the ability to bump up the rate once during the term if rates rise. That means "You Win" no matter which certificate you choose!

If you would like to bump up your Certificate rate, please contact us through our Secure Message Center, use our new chat feature below, call 757.523.5300, or visit a nearby branch.

 

Current member? It's easy to add a Certificate or IRA Certificate

ADD A CERTIFICATE OR IRA CERTIFICATE TO MY CURRENT ABNB ACCOUNT

Log into Online Banking and follow the steps below:

  • Click on the More icon
  • Click on Add Product
  • Click on Savings and hit Apply Now
  • Select Certificate and Apply for the term that's best for you
  • Confirm information and click Continue 
  • Select an account from the drop-down menu, enter an amount and click Finish

 

OPEN A NEW CERTIFICATE OR IRA CERTIFICATE, EVEN IF YOU'RE NOT A MEMBER

RATES

Summary

Great Certificate Rates!

 

Certificate - 6 Months

Minimum Deposit APY
$1,000 0.70%
$20,000 0.70%
$50,000 0.70%
$100,000 0.75%

 

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

Certificate - 12 Months

Minimum Deposit APY
$1,000 2.50%
$20,000 2.50%
$50,000 2.50%
$100,000 2.55%

 

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

Certificate - 18 Months

Minimum Deposit APY
$1,000 4.15%

 

*APY = Annual Percentage Yield. Dividend rate and APY accurate as of 09/29/22. Limited time offer can be withdrawn at any time. Consumer accounts only. Minimum $1,000 to open. Penalties for early withdrawal of certificates may apply to all certificates at 15 days times original term of dividends on amount withdrawn. Rates subject to change without notice. Membership eligibility required. Existing ABNB certificates not eligible. Fees could reduce earnings. Federally insured by NCUA.

Bump Certificate - 24 month**

Minimum Deposit APY
$1,000 2.65%

 

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

**Member may bump the certificate rate 1 time over the life of the certificate.

Certificate - 24 Months

Minimum Deposit APY
$1,000 2.75%
$20,000 2.75%
$50,000 2.75%
$100,000 2.80%

 

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

Bump Certificate - 36 month**

Minimum Deposit APY
$1,000 2.70%

 

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

**Member may bump the certificate rate 1 time over the life of the certificate.

Certificate - 36 Months

Minimum Deposit APY
$1,000 2.80%
$20,000 2.80%
$50,000 2.80%
$100,000 2.85%

 

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

Certificate - 60 Months

Minimum Deposit APY
$1,000 2.85%
$20,000 2.85%
$50,000 2.85%
$100,000 2.90%

 

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

 

Great IRA Certificate Rates!

 

IRA Certificate - 6 Months (Reg/Roth/Educ)

Minimum Deposit APY
$1,000 0.75%
$20,000 0.75%
$50,000 0.75%
$100,000 0.80%

 

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

IRA Certificate - 12 Months (Reg/Roth/Educ)

Minimum Deposit APY
$1,000 2.55%
$20,000 2.55%
$50,000 2.55%
$100,000 2.60%

 

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

IRA Certificate - 18 Months (Reg/Roth/Educ)

Minimum Deposit APY
$1,000 4.15%

 

*APY = Annual Percentage Yield. Dividend rate and APY accurate as of 09/29/22. Limited time offer can be withdrawn at any time. Consumer accounts only. Minimum $1,000 to open. Penalties for early withdrawal of certificates may apply to all certificates at 15 days times original term of dividends on amount withdrawn. Rates subject to change without notice. Membership eligibility required. Existing ABNB certificates not eligible. Fees could reduce earnings. Federally insured by NCUA.

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

IRA Certificate - 24 Months (Reg/Roth/Educ)

Minimum Deposit APY
$1,000 2.80%
$20,000 2.80%
$50,000 2.80%
$100,000 2.85%

 

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

IRA Certificate - 36 months (Reg/Roth/Educ)

Minimum Deposit APY
$1,000 2.85%
$20,000 2.85%
$50,000 2.85%
$100,000 2.90%

 

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

IRA Certificate - 60 months (Reg/Roth/Educ)

Minimum Deposit APY
$1,000 2.90%
$20,000 2.90%
$50,000 2.90%
$100,000 2.95%

 

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

  • The longer the term, the higher the rates
  • Terms available from 6 months to 5 years
  • Provides a guaranteed high rate of return without the risk
  • No setup or maintenance fees
  • $1,000 minimum deposit to open
  • Penalty for early withdrawals***

*APY = Annual Percentage Yield. Dividend rate and APY accurate as of 08/22/22. Limited time offer can be withdrawn at any time. Consumer accounts only. Minimum $1,000 to open. Penalties for early withdrawal of certificates may apply to all certificates at 15 days times original term of dividends on amount withdrawn. Rates subject to change without notice. Membership eligibility required. Existing ABNB certificates not eligible. Fees could reduce earnings. Federally insured by NCUA.

**Member may bump the certificate rate 1 time over the life of the certificate.

***Early withdrawals may result in penalties. For Certificates and IRA Certificates, the amount of early withdrawal penalty is 15 days dividends on the amount withdrawn for each month of the original term of the certificate.