Start earning more on your savings.
What is a Certificate? Is it right for me?
Certificates are similar to a Certificate of Deposit (CD) and allow your money to earn money. Yeah, you read that right! You can store money in a Certificate for a set amount of time to earn cash at a higher rate than most traditional savings accounts. Typically, the longer term of your Certificate, the higher rate of return.
Remember, the amount of money you open your Certificate with is locked in. You cannot add additional funds for the duration of the term. This makes it easy for you, set it and forget it!
Flexible Savings Terms
Think of the possibilities with our wide range of maturity dates.
Insured Deposits
We've got you, your funds are federally insured.
First time opening a Certificate with us? It's easy!
In the Apply & Open tab, click Money Market or CD
- Use the drop-down to select an Account Type
- Use the drop-down to select a Share Type
- Use the drop-down to select a Funding Account
- Enter the Funding Amount (Minimum $500.00)
- Review and accept the Membership Agreement
- Click Next
- Verify the information and click the Submit button when you are finished
Give us a call at 800.285.5669 or visit your local branch for a Member Service Representative to help establish a Certificate for you.
Establishing Membership is easy! Start the process here!
Ranked in the 2021 Top Healthiest Credit Unions in America, according to DepositAccounts.com
To determine ranking and recognition, DepositAccounts.com grades on capitalization, deposit growth and loan-to-reserve ratios.
Commonly asked questions:
We try to keep it simple, dividends are paid and compounded quarterly. For account balances $10,000 or higher, dividends may be paid monthly.
Not without penalty. If you want to earn more than regular savings, but want easy access to your funds, you should check out our Money Market Accounts.
*APY - Annual Percentage Yield. Rates current as of 8.21.2023. Certificates-$500.00 minimum deposit. Available for both consumer and business accounts. Dividends paid and compounded quarterly. Dividend may be paid monthly for account balances $10,000.00 or higher for consumer accounts only. Rates may be changed or discontinued at any time; call your local branch for current rates. Fees and/or withdrawals will reduce earnings. When opening a certificate, the member has agreed to leave the principal of this account on deposit for the full term stated in the account or renewal notice. If all or part of the principal is withdrawn before the maturity date, the Credit Union may charge a penalty. Withdrawal of the principal amount of the certificate may be made only with the consent of the Credit Union. Unless stated otherwise, the owner shall forfeit an amount equal to 90 days dividends, whether earned or not, on certificates with maturities of 24 months or less; 180 days dividends, whether earned or not, on certificates with maturities between 25 and 58 months; 365 days dividends, whether earned or not, on 59 month certificates. The penalty may be calculated at the rate paid on the deposit. The penalty will, if necessary, be taken from the principal amount of the deposit. Our 59-month Rate Riser Certificate is specifically for your Abound Credit Union IRA. Subject to $10 membership fee if not already a member.