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Certificate Accounts

Invest your savings in an ABCO FCU Certificate Account and watch your savings soar with our recently increased rates!

 A Certificate Account is similar to a savings account, the major difference being you agree to keep a pre-determined amount of money in the certificate account for a specified amount of time. In exchange for agreeing to keep your money in the account for the term of the certificate, you are guaranteed a higher interest yield.

There are two types of Certificate Accounts - Regular and Individual Retirement Account (IRA). Each have terms ranging from 6 months to 60 months. Each type of Certificate Account has its own conditions and restrictions.

Stop by one of our branches to open a Certificate Account or contact Member Care at 1-800-225-1859 to learn more. 

 

 Certificate Rates
Description
Base Rate
Min. Amount
APY*
6 mo. Certificate
1.49% $1000 1.50%
6 mo. Jumbo Certificate
1.64% $50,000 1.65%
6 mo. IRA Certificate 1.49% $1000 1.50%
6 mo. IRA Jumbo Certificate
1.64% $50,000 1.65%
12 mo. Certificate 1.74% $1000 1.75%
12 mo. Jumbo Certificate 1.89% $50,000 1.90%
12 mo. IRA Certificate 1.74% $1000 1.75%
12 mo. IRA Jumbo Certificate
1.89% $50,000 1.90%
18 mo. Certificate 1.84% $1000 1.85%
18 mo. Jumbo Certificate 1.98% $50,000 2.00%
18 mo. IRA Certificate 1.84% $1000 1.85%
18 mo. IRA Jumbo Certificate
1.98% $50,000 2.00%
24 mo. Certificate 1.98% $1000 2.00%
24 mo. Jumbo Certificate
2.13% $50,000 2.15%
24 mo. IRA Certificate 1.98% $1000 2.00%
24 mo. IRA Jumbo Certificate
2.13% $50,000 2.15%
36 mo. Certificate

2.23%

$1000 2.25%
36 mo. Jumbo Certificate
2.38% $50,000 2.40%
36 mo. IRA Certificate 2.23% $1000 2.25%
36 mo. IRA Jumbo Certificate 2.38% $50,000 2.40%
48 mo. Certificate 2.33% $1000 2.35%
48 mo. Jumbo Certificate
2.48% $50,000 2.50%
48 mo. IRA Certificate 2.33%
$1000 2.35%
48 mo. IRA Jumbo Certificate 2.48%
$50,000 2.50%
60 mo. Certificate 2.43%
$1000 2.45%
60 mo. Jumbo Certificate
2.58%
$50,000 2.60%
60 mo. IRA Certificate 2.43% $1000 2.45%
60 mo. IRA Jumbo Certificate 2.58% $50,000 2.60%

 

*Annual Percentage Yield. Fees could reduce earnings on the account. Rates subject to change at any time without notice. A penalty will be imposed for withdrawals made prior to maturity. You will pay an early withdrawal penalty of up to 120 days of dividend payment on your Share Certificate.

 
 

 

 

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