A Share Certificate Account, otherwise known as a CD or Certificate of Deposit, is traditionally considered one of the safest ways to save for diverse purposes, such as a dream vacation, down payment, or for a secure and comfortable retirement. Certificate Accounts always hold their original value, unlike the stock market, plus they earn interest at a rate typically higher than those of a regular savings account.
Arkansas Best Federal Credit Union offers Share Certificates in terms for 6 months, 1 year, 2 years, and 3 years. A minimum deposit of $1000 is required on all certificates. Dividends are paid monthly. There is a substantial penalty for early withdrawal.
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