Investment Club and IRA Certificates

We’ve Got A Certificate That’s Right For You.

Our Certificates offer guaranteed yields, flexibility, and the safety of NCUA insurance. That’s because you lock in a high yield that’s guaranteed from the day you open the account until the day it matures. You know exactly what return you’ll get and when you’ll get it.

Your investment is safe because ABE Federal Credit Union certificates are backed by the National Credit Union Agency for up to $250,000 per individual – making them as safe as any investment in the world.

We offer Investment and IRA Certificates in a broad range of maturities, each designed with a particular goal in mind. And, for as little as $500, you can open your own Investment or IRA Certificate.

Investment Club Certificates are a wise choice and provide a fixed, predictable rate of return. If you are able to commit funds for a specified period of time, you can enjoy higher fixed interest rates and the security of NCUA insurance up to $250,000.

Standard Investment Club and IRA Certificates

Minimum opening deposit of $500.00 ($100,000.00 for Jumbo Certificates).

Choose any length of maturity between three (3) months and five (5) years.

We have two unique Investment Club and IRA Certificates that give you an option to increase the return of your investment.

13 Month Add-On Investment Club and IRA Certificate

Minimum opening deposit of $500.00

13 month term

Unlimited deposits ($500.00 minimum per deposit) throughout the 13 month term

The maturity date will not change if additional deposits are made

15 Month Bump-Up Investment Club Certificate

Minimum opening deposit of $500.00

15 month term

A one time bump-up option to a higher rate if a better rate is offered on our 12 month Investment Club or IRA Certificate during your 15 month term

The maturity date will not change when your rate is bumped up

Dividend Crediting:
Dividends on Investment Club and IRA Certificates are credited monthly.  As dividends are earned, they will be automatically deposited to your account.

Renewal:
At maturity, you may elect to renew your certificate for any term of maturity available at that time.  Certificates will be renewed at the prevailing dividend rate at the time of renewal.  If you do not wish to renew your certificate, the Credit Union will transfer all certificate funds to your share(savings) account.

Early Withdrawal Penalty:
Principal amounts withdrawn prior to the original date of maturity are subject to penalty.  The penalty on the amount withdrawn from Investment Club or IRA Certificates with an original maturity of one (1) year or less will equal ninety (90) days’ dividends.  If your account has an original maturity of more than one (1) year but less than five (5) years, the penalty will equal 120 days’ dividends.  If your account has an original maturity of five (5) years or more, the penalty will equal 180 days’ dividends.

Current Rates click here