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 | $5 | $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.
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 - 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 - 13 Months Back to Top
| Minimum Deposit | Rate | APY* |
|---|---|---|
| $1,000 | 5.223% | 5.35% |
Certificate - 18 Months Back to Top
| Minimum Deposit | Rate | APY* |
|---|---|---|
| $1,000 | 5.032% | 5.15% |
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 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 - 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 - 13 Months (Reg/Roth/Educ)** Back to Top
| Minimum Deposit | Rate | APY* |
|---|---|---|
| $1,000 | 5.271% | 5.40% |
IRA Certificate - 18 Months (Reg/Roth/Educ)** Back to Top
| Minimum Deposit | Rate | APY* |
|---|---|---|
| $1,000 | 5.080% | 5.20% |
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 (2023-2018) Learn More
| APR* | Months | Notes |
|---|---|---|
| As low as 6.34% | 1-48 months | |
| As low as 6.34% | 49-60 months | |
| As low as 6.59% | 61-66 months | |
| As low as 6.89% | 67-75 months | **72+ months over $20,000 |
| As low as 8.69% | 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 (2023-2018) 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 (2017 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 (2017 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)
Mortgage Loans / 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 6.49% 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.
Click here for current fee schedule.