Get a head start on your 2026 financial goals
With 2026 just around the corner, now is the perfect time to begin laying the groundwork for your savings plan. Whether you're preparing for retirement, planning a dream vacation or building your emergency fund, startinig early helps reduce stress and gives your money more time to grow.
Getting started can feel overwhelming, but a few powerful financial tools can make your journey easier.
- Individual Retirement Accounts (IRAs) - No matter your age, having a clear plan for your retirement years is essential. IRAs are a smart way to build long-term financial security. At Abound we offer both Traditional and Roth IRAs. With a Traditional IRA, contributions may be tax-deductible, and taxes are paid when you withdraw funds in retirement1. A Roth IRA uses after-tax dollars, and qualified withdrawls are tax-free1. You can boost your retirement savings with our 59-month Rate Riser Certificate designed specifically for our IRAs. You can view our rates here.
- Certificates - Certificates allow you to set aside a fixed amount for a fiexed term that can range from three months to five years. Your money earns dividends throughout the term, and you cannot withdraw funds without a penalty. It is a secure way to grow your savings, and your rate stays locked in regardless of market changes.
- High-Yield Savings Account (HYSA) - A High-Yield Savings Account is one of the simplest ways to make your money work harder. There is no minimum balance required, and you earn our best rates when you save up to $5,0002. Dividends are paid monthly, and unlike certificate accounts, there is no penalty if you need to make a withdrawl. By automating deposits and letting compound interest do the work, you can grow your savings effortlessly.
Opening a Certificate for the first time? You can visit your nearest branch, or you can open one through Online & Mobile Banking* by following these simple steps:
- In the menu, select Apply & Open
- Choose Certificates & More
- Select your Account type, Share Type and Funding Account
- Enter your deposit amount (minimum of $500)
- Review and accept the Membership Agreement
- Confirm your details and submit
1This information is not intended as tax advice. Please consult a tax professional before making decisions regarding your IRA.
2Dividend rates are valuable and may be changed or discontinued at any time. Current rates can be found at AboundCU.com/deposit-rates. A blended annual percentage yield (APY) is calculated based on balances in each earning tier, and the exact APY will depend on the balance in the account. Dividends paid and compounded monthly. Limit of one High Yield Savings Account per primary member's Social Security Number. Available to both business and consumer members. Subject to $10 Membership fee if not already a Member.
*Carrier rates may apply for data usage.
2Dividend rates are valuable and may be changed or discontinued at any time. Current rates can be found at AboundCU.com/deposit-rates. A blended annual percentage yield (APY) is calculated based on balances in each earning tier, and the exact APY will depend on the balance in the account. Dividends paid and compounded monthly. Limit of one High Yield Savings Account per primary member's Social Security Number. Available to both business and consumer members. Subject to $10 Membership fee if not already a Member.
*Carrier rates may apply for data usage.
