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Certificates

Certificates are a great way to maximize the return on your savings. Get higher rates than other savings options, and remember, the higher the amount invested and the longer the term, the more you'll earn.

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

Great Certificate Rates!

 

Certificate - 6 Months

Minimum Deposit APY
$1,000 0.50%
$20,000 0.50%
$50,000 0.50%
$100,000 0.55%

Certificate - 12 Months

Minimum Deposit APY
$1,000 0.83%
$20,000 0.83%
$50,000 0.83%
$100,000 0.88%

Certificate - 24 Months

Minimum Deposit APY
$1,000 0.88%
$20,000 0.88%
$50,000 0.88%
$100,000 0.93%

Certificate - 36 Months

Minimum Deposit APY
$1,000 0.93%
$20,000 0.93 %
$50,000 0.93 %
$100,000 0.98%

Certificate - 60 Months

Minimum Deposit APY
$1,000 1.08%
$20,000 1.08%
$50,000 1.08%
$100,000 1.13%

 

Great IRA Certificate Rates!

 

IRA Certificate - 6 Months

Minimum Deposit APY
$1,000 0.55%
$20,000 0.55%
$50,000 0.55%
$100,000 0.60%

IRA Certificate - 12 Months

Minimum Deposit APY
$1,000 0.88%
$20,000 0.88%
$50,000 0.88%
$100,000 0.93%

IRA Certificate - 24 Months

Minimum Deposit APY
$1,000 0.93%
$20,000 0.93%
$50,000 0.93%
$100,000 0.98%

IRA Certificate - 36 Months

Minimum Deposit APY
$1,000 0.98%
$20,000 0.98%
$50,000 0.98%
$100,000 1.03%

IRA Certificate - 60 Months

Minimum Deposit APY
$1,000 1.13%
$20,000 1.13%
$50,000 1.13%
$100,000 1.18%

 

  • 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 06/25/2020. 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early withdrawal of certificates may apply to all certificates at 15 days times original term of dividends on amount withdrawn.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. Existing ABNB certificates not eligible.

**$100,000 minimum deposit.

***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.