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CD & IRA Accounts

Ensure the retirement lifestyle you desire by starting your FDIC insured Individual Retirement Account (IRA) today. Your IRA and CD accounts are FDIC insured. Check out our Personal Deposit Interest Rates!

A Traditional IRA allows you to save for retirement while deferring taxes on your principal and earnings until they are withdrawn, when you are retired and may be in a lower tax bracket. Contributions you make to a Traditional IRA may be fully or partially tax deductible, depending on your circumstances.   

*A penalty may be imposed for early withdrawal on fixed rate term accounts. Withdrawals before age 59-1/2 may be subject to IRS penalties and certain IRS restrictions apply to deposit amounts. To be eligible to contribute to a Traditional IRA option, you must have earned income and be under 70 1/2 years of age. Please consult your tax advisor as to which type of IRA best fits your needs.

A Roth IRA is an individual retirement account that offers a valuable future tax break: Tax-free income in retirement.  Although there is no up-front tax deduction for Roth IRA contributions as there is with a traditional IRA, Roth distributions are tax-free when you follow the rules.  Roth IRAs make the most sense if you expect your tax rate to be higher during retirement than your current rate.  You can contribute to a Roth IRA at any age as long as you have earned income from a job.

*A penalty may be imposed for early withdrawal on fixed rate term accounts. Withdrawals before age 59-1/2 may be subject to IRS penalties and certain IRS restrictions apply to deposit amounts. To be eligible to contribute to a Roth IRA option, you must have earned income. Please consult your tax advisor as to which type of IRA best fits your needs!

AbbyBank's Certificate of Deposit (CD) accounts maximize your earnings with a guaranteed rate of return.

  • Minimum deposit to open is $1,000
  • At opening of CD, select from 3, 6, 12, 24, 36, 48 or 60-month terms
  • Funds are FDIC Insured
  • For maximum convenience, at maturity your CD is automatically renewable at the rate, term and conditions in effect at that time
  • A penalty maybe imposed for early withdrawals
  • Personal Deposit Interest Rates 

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