Certificates

Make the most of your money. 

Certificates are a great way to build savings and they offer higher returns than most standard savings accounts and money market accounts (but hey, if you’re interested in those, we’ve got them too). An ABNB certificate pays a very competitive high rate because you lock in your dividend rate for a set period of time. The longer the term, the higher the rate of return.

When your Certificate reaches maturity, you have a lot of choices; you can either renew the Certificate to continue saving or withdraw the money to use as you’d like. Your choice may depend on where interest rates are headed. If interest rates are falling, you can lock in another Certificate to assure you’re still getting the best return. If rates are rising, you may want to add funds to earn more than other savings options. Visit a branch or click the appropriate Open Certificate button below to open today.

 

Calculate Your Return

Calculator

Rates

Key Features

  • Guaranteed Returns
  • Competitive Rates
  • 6-Month to 60-Month Terms

*APY = Annual Percentage Yield. Dividend rate and APY accurate as of 03/12/2025. Limited time offer can be withdrawn at any time.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withdrawal of certificates may apply to all certificates at 15 days times the original term of dividends on amount withdrawn.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.

 

New Member? Open Certificate. Current Member? Open Certificate.

 

Certificates 

Explore your options and invest in your future with a risk-free savings strategy that locks in a competitive rate and term, from six months to five years.

“You Win” Certificates

For people who are looking for certificates with some flexibility, our “You Win” certificates are an excellent option. They offer members the ability to “bump” their dividend rate one time over the term length if market rates rise, which could potentially earn them even more on their initial deposit.

IRA Certificates

For members who are looking to save for retirement, an individual retirement account certificate or IRA certificate is a stable solution that helps you save for that post-career lifestyle. They offer similar, if not slightly higher, dividend rates than standard certificates and won’t lose value if market conditions change.

For financial flexibility, consider laddering your Certificate investments. This is a strategy where you open multiple Certificates at different term lengths, allowing you to take advantage of higher dividend rates on longer terms while freeing up cash from short-term certificates. Some people choose to withdraw cash from the “younger” Certificates, while others choose to reinvest that cash in longer-term Certificates.

Before you start saving money in a Certificate, you should keep the following in mind:

  1. ABNB Certificates require a minimum deposit of $1,000
  2. Certificates are not freely accessible if you’re short on cash. Like withdrawals from a retirement account, you may face penalties if you withdraw funds before the Certificate matures.  

Current member? Adding a certificate to your account is easy:

  • Call the Member Service Center at 757.523.5300.  
  • Use online banking to send us a message through the Secure Message Center.  
  • Stop by your local branch to speak with us in person — we’d love to see you. 

Not yet a member? Open an account with ABNB today for access to our competitive Certificate rates.