Certificate Accounts


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. There is a $1,000 minimum for all certificates.

Rate Type Term APY*
Certificate 6 mo SPECIAL**
12 mo SPECIAL**
18 mo
24 mo
36 mo
48 mo
60 mo
Jumbo Certificate
$50,000+
6 mo SPECIAL**
12 mo SPECIAL**
18 mo
24 mo
36 mo
48 mo
60 mo
IRA Certificate 6 mo SPECIAL**
12 mo SPECIAL**
18 mo
24 mo
36 mo
48 mo
60 mo
IRA Jumbo Certificate
$50,000+
6 mo SPECIAL**
12 mo SPECIAL**
18 mo
24 mo
36 mo
48 mo
60 mo

How to Open an Account

Stop by one of our branches or sign up by mail. See our step by step guide to becoming a member

Note: ABCO reserves the right to deny an application based on information provided by Chex Systems or by any other accredited source.

*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.

**There is a $1,000 minimum. ABCO reserves the right to modify this offer at any time.