ABNB is proud to offer competitive rates and affordable terms for a wide variety of deposits and loans.

Checking, Savings, Money Markets, Business Savings

Everyday Earnings Checking Learn More

Minimum Balance To Earn Dividends Rate APY*
$0.01 0.05% 0.05%

Savings Accounts Back to Top Learn More

Account Minimum Opening Deposit Minimum Balance to Earn Dividends Rate APY*
Savings $1 $200 0.05% 0.05%
Youth Savings $1 $5 0.05% 0.05%
Christmas Accounts $5 $200 0.05% 0.05%
Anytime Accounts $5 $200 0.05% 0.05%

 

Performance & Business Money Market Back to Top Learn More

Balance Rate APY*
$1,000.00 to $9,999.99 0.499% 0.50%
$10,000.00 to $24,999.99 0.499% 0.50%
$25,000.00 to $49,999.99 0.598% 0.60%
$50,000.00 to $99,999.99 0.648% 0.65%
$100,000.00 to $249,999.99 0.946% 0.95%
> $250,000.00 1.342% 1.35%

*APY = Annual Percentage Yield. Rates effective 07/17/2023 and are subject to change without notice. $1,000.00 minimum deposit. Dividends calculated by daily balance of at least $1,000.00. No dividend will be earned in any dividend period if daily balance is below $1,000.00. Fees could reduce earnings 

Business Savings & Checking Back to Top Learn More

Account Minimum Opening Deposit Minimum Balance to Earn Dividends Rate APY*
Business Savings $5 $200 0.05% 0.05%
Business Interest Checking $1000 $1,000 0.05% 0.05%

*APY = Annual Percentage Yield. Rates effective 07/17/2023 and are subject to change without notice. Fees could reduce earnings 

Certificates

Certificate - 6 Months

Minimum Deposit Rate APY*
$1,000 1.884% 1.90%
$20,000 1.884% 1.90%
$50,000 1.884% 1.90%
$100,000 1.933% 1.95%

 

Certificate - 9 Months Back to Top

Minimum Deposit Rate APY*
$1,000 4.554% 4.65%

Certificate - 12 Months Back to Top

Minimum Deposit Rate APY*
$1,000 3.057% 3.10%
$20,000 3.057% 3.10%
$50,000 3.057% 3.10%
$100,000 3.105% 3.15%

 

Certificate - 18 Months Back to Top

Minimum Deposit Rate APY*
$1,000 4.314% 4.40%

Bump Certificate - 24 Months** Back to Top

Minimum Deposit Rate APY*
$1,000 3.203% 3.25%

Certificate - 24 Months Back to Top

Minimum Deposit Rate APY*
$1,000 3.348% 3.40%
$20,000 3.348% 3.40%
$50,000 3.348% 3.40%
$100,000 3.397% 3.45%

 

Bump Certificate - 36 Months** Back to Top

Minimum Deposit Rate APY*
$1,000 3.105% 3.15%

Certificate - 36 Months Back to Top

Minimum Deposit Rate APY*
$1,000 3.251% 3.30%
$20,000 3.251% 3.30%
$50,000 3.251% 3.30%
$100,000 3.300% 3.35%

 

Certificate - 60 Months Back to Top

Minimum Deposit Rate APY*
$1,000 3.203% 3.25%
$20,000 3.203% 3.25%
$50,000 3.203% 3.25%
$100,000 3.251% 3.30%

*APY = Annual Percentage Yield. 

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

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

IRA Savings & Certificates

IRA Savings Account

Minimum Deposit Rate APY*
$100 0.200% 0.20%

IRA Certificate - 6 Months (Reg/Roth/Educ)** Back to Top

Minimum Deposit Rate APY*
$1,000 1.933% 1.95%
$20,000 1.933% 1.95%
$50,000 1.933% 1.95%
$100,000 1.982% 2.00%

IRA Certificate - 9 Months (Reg/Roth/Educ)** Back to Top

Minimum Deposit Rate APY*
$1,000 4.602% 4.70%

IRA Certificate - 12 Months (Reg/Roth/Educ)** Back to Top

Minimum Deposit Rate APY*
$1,000 3.105% 3.15%
$20,000 3.105% 3.15%
$50,000 3.105% 3.15%
$100,000 3.154% 3.20%

 

IRA Certificate - 18 Months (Reg/Roth/Educ)** Back to Top

Minimum Deposit Rate APY*
$1,000 4.362% 4.45%

IRA Certificate - 24 Months (Reg/Roth/Educ)** Back to Top

Minimum Deposit Rate APY*
$1,000 3.397% 3.45%
$20,000 3.397% 3.45%
$50,000 3.396% 3.45%
$100,000 3.445% 3.50%

 

IRA Certificate - 36 Months (Reg/Roth/Educ)** Back to Top

Minimum Deposit Rate APY*
$1,000 3.300% 3.35%
$20,000 3.300% 3.35%
$50,000 3.300% 3.35%
$100,000 3.348% 3.40%

IRA Certificate - 60 Months (Reg/Roth/Educ)** Back to Top

Minimum Deposit Rate APY*
$1,000 3.251% 3.30%
$20,000 3.251% 3.30%
$50,000 3.251% 3.30%
$100,000 3.251% 3.35%

*APY = Annual Percentage Yield. 

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

Loans & Mortgage

New Vehicles, Used Vehicle & Motorcycle (2024-2019) Learn More

APR* Months Notes
As low as 6.59% 1-48 months  
As low as 6.59% 49-60 months  
As low as 6.84% 61-66 months  
As low as 7.14% 67-75 months **72+ months over $20,000
As low as 8.94% 76-84 months **84 months over $30,000

 

*ANNUAL PERCENTAGE RATE (APR) varies according to credit history of applicant(s). All loans are subject to approval. Late payment fee is 5% of payment amount when more than 7 days late. Some restrictions apply. 

**Rates are subject to change without notice. Payment example:  Loan amount of $20,000 at 3.29% APR for 60 months would have a monthly payment of $362.00.

New & Used Boat & RV Loan (2024-2019) Back to Top Learn More

APR* Months
As low as 9.24% 12-84 months
As low as 7.99% 85-120 months
As low as 8.29% 121-180 months

*ANNUAL PERCENTAGE RATE (APR) varies according to credit history of applicant(s). All loans are subject to approval. Late payment fee is 5% of payment amount when more than 7 days late. Some restrictions apply. Rates are subject to change without notice. Payment example:  Loan amount of $20,000 at 3.29% APR for 60 months would have a monthly payment of $362.00.

Used Vehicles (2018 and older) Back to Top Learn More

APR* Months
1.00% will be added to applicable New or Used rate 1-84 months

*ANNUAL PERCENTAGE RATE (APR) varies according to credit history of applicant(s). All loans are subject to approval. Late payment fee is 5% of payment amount when more than 7 days late. Some restrictions apply. Rates are subject to change without notice. Payment example:  Loan amount of $20,000 at 3.29% APR for 60 months would have a monthly payment of $362.00.

Used Boat & RV Loan (2018 and older) Back to Top Learn More

APR* Months
1.00% will be added to applicable New or Used rate 12-180 months

*ANNUAL PERCENTAGE RATE (APR) varies according to credit history of applicant(s). All loans are subject to approval. Late payment fee is 5% of payment amount when more than 7 days late. Some restrictions apply. Rates are subject to change without notice. Payment example:  Loan amount of $20,000 at 3.29% APR for 60 months would have a monthly payment of $362.00. 

Personal Loans | Personal/Overdraft Line of Credit Back to Top Learn More

Beacon Score APR*
720+ as low as 11.74%
719-690 as low as 13.24%
689-670 as low as 13.74%
669-640 as low as 16.24%
639-600 as low as 17.99%

*ANNUAL PERCENTAGE RATE (APR) varies according to credit history of applicant(s).

Share Secured Loan Back to Top Learn More

Loan Product APR*
Share Secured Loan 3.00% above current dividend rate

*ANNUAL PERCENTAGE RATE (APR)

Credit Cards Back to Top Learn More

Card Type APR*
VISA Preferred 12.24% - 18.00%
ABNB VISA Signature

14.74% - 17.74%

*(APR) Annual Percentage Rate. Variable APR range 12.24% - 18.00%. No annual fees or cash advance fees. Foreign transaction fees apply. All loans subject to approval. Rates may vary depending on credit worthiness. Some restrictions apply.

Consumer Credit Card Agreement and Disclosure (Preferred)

Consumer Credit Card Agreement and Disclosure (Signature)

 

Home Loans Back to Top

   

APR = Annual Percentage Rate. Rates displayed are the lowest rates available for qualified borrowers. Actual rate, APR, and maximum financing options may differ based on loan characteristics and creditworthiness. ARM rates are based on an index and a margin; the index is the one-year constant maturity treasury rate; the margin varies by loan characteristics, such as the amount borrowed, Loan to Value, and creditworthiness. Annual rate cap of 2%; lifetime cap of 6%. Conventional rate assumptions for displayed rates: $400,000 purchase, $320,000 loan amount, 20% down payment, 760 Score, single family detached house in Chesapeake, VA. FHA rate assumptions for displayed rate: $400,000 purchase, $386,000 loan amount plus FHA UFMIP, 3.5% down payment, 680 Score, single family detached house in Chesapeake, VA. VA rate assumptions for displayed rate: $400,000 purchase, $400,000 loan amount plus VA Funding Fee, 0% down payment, 680 Score, single family detached house in Chesapeake, VA for a qualified Active-Duty Military or Veteran borrower. VA jumbo rate assumptions for displayed rate: $1,000,000 purchase, $1,000,000 loan amount plus VA Funding Fee, 0% down payment, 680 Score, single family detached house in Chesapeake, VA for a qualified Active-Duty Military or Veteran borrower. USDA rate assumptions for displayed rate: $400,000 purchase, $400,000 loan amount plus USDA Guarantee Fee, 0% down payment, 680 Score, single family detached house in a USDA designated area in Virginia. ABNB FCU is an Equal Housing Lender and practices Diversity, Equality, and Inclusion.

Home Equity Loans / HELOC Back to Top Learn More

7-Year HELOC 12-Year HELOC 17-Year HELOC 10/10 HELOC
Two years to draw funds, plus five years to pay it back. Two years to draw funds, plus 10 years to pay it back. Two years to draw funds, plus 15 years to pay it back. Ten years to draw funds, plus 10 years to pay it back.
Rates as low as 6.99% APR* Rates as low as 7.59% APR* Rates as low as 8.59% APR* Rates as low as 8.50% APR**

 

 

*APR = Annual Percentage Rate. APRs are fixed rates based on approved credit with an LTV of 80% to 100% and will not increase during the life of the loan. Available to members with qualifying credit. Some restrictions may apply. Closing costs will be applied if the loan is closed within the first two years.  Membership required. Homeowners insurance required. Interest may be tax deductible, consult your tax advisor. Maximum annual percentage rate will not exceed 18.00% APR.

**APR = Annual Percentage Rate. APR is variable based on Prime Rate. Rates and terms subject to change without notice. Available to members with qualifying credit. Some restrictions may apply. Closing costs will be applied if the loan is closed within the first two years. Membership required. Homeowners insurance required. Interest may be tax deductible, consult your tax advisor. Maximum annual percentage rate will not exceed 18.00% APR.

   

Click here for current fee schedule.