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 ABB’s Dealer Services programs offer competitive interest rates, generous terms, flexible financing options, automated approval services, and more.

ABB’s Home Mortgage Center
will help you find the right home
mortgage that fits your needs.

Getting Started

Financial advice for young adults entering the work force.

Laying the right foundation as you start your career is the key to future financial success, and at this lifestage, TIME is your greatest asset.  Consider that each dollar you save in your 20s can be worth ten times as much as one saved in your 40s.  Through the magical power of compounding, the beginning of your working life is the prime time to start saving towards retirement—even though many people don’t want to think about, or worse yet, act on this principle.

During this time, young adults have the exciting task of learning how to manage the spending and saving of their money within the constraints of their income.  Here are some steps to take now to put your financial
future on track:

Your short term goals of less than five years might encompass a wedding, honeymoon, furniture or a new car.  Medium term goals could include the purchase of a home and financing your future children’s college education, followed by long-term retirement goals.  These goals will help you determine how to spend and save your money.

It may be wise to invest in CDs or money market funds for your short term goals and the stock market for your longer term goals.  Historically, the stock market has outperformed other types of investments over comparable time periods, but it’s not for the faint of heart.  You may also want to join a 401K plan if available from your employer or open up an IRA account.

Anderson Brothers Bank can help compound your savings with an account that’s right for you:

Certificates of Deposit - Certificates of deposit (CDs) pay a guaranteed interest rate, making them an excellent short and long-term investment.

Money Market Deposit Tiered Account - An interest-bearing investment savings account ideal for clients with limited transactions

Individual Retirement Accounts - Most IRA contributions are tax deductible and grow tax-deferred or tax-free.

A good guide is to save three to six months worth of living expenses to cover rent or house payments, utilities, car payments, food, transportation and insurance into a separate bank account that could be easily accessed in the case of job loss or uncovered medical expenses.  Don’t use the money for anything else.

Anderson Brothers Bank recommends this account for the establishment of your emergency fund:

Money Market Deposit Tiered Account - An interest-bearing investment savings account ideal for clients with limited transactions

Regular Savings Account 

You’ll reduce the time it takes to pay your bills and save on the expense of printed paper checks and postage  while helping the environment as well.

eBanking allows you to bank from the comfort and convenience of your home or office. You can view your accounts, see images of your checks and deposit items, transfer funds from one ABB account to another, and even pay bills electronically.

Mobile Banking gives you the convenience of banking any where any time using eBanking.

Borrow wisely  –  Avoid high-interest credit cards and pay off your credit card debit monthly.

Work with Anderson Brothers Bank for your major lending needs including personal and vehicle loans,
home mortgages and home equity lines of credit.  

 Mortgage Loans- Buying a home - your first or your fourth - is one of the most significant investments you'll ever make. That's why mortgage professionals at Anderson Brothers Bank are here to help. We'll walk you through the mortgage maze and tailor a mortgage to suit your needs. 

Personal Loans -Thinking about buying a car, taking a vacation, or paying off bills? Our loan officers are ready to tailor a personal loan specifically for you.

Visa Credit Card - Our Visa card is accepted worldwide.

Understand your credit report - Your financial behavior over the past seven years, including how much credit you have, how long you've had it and whether you pay your bills on time is information included in your credit report. Three credit reporting agencies — Equifax, TransUnion and Experian — maintain these reports, and lenders buy them to help them decide whether to offer you a prequalification.  Your credit report also carries your credit score ranked between 300 and 850 that many lenders use to decide whether you are creditworthy and will repay a loan.  Your credit score can also influence the interest rate you pay.  In many cases, the higher your score, the lower your interest rate.  Your credit score is available from the three credit reporting agencies: 

Equifax –  www.equifax.com
TransUnion –  www.transunion.com
Experian – www.experian.com

Tips for Effective Financial Management:

  • Pay off your credit card debt.  It is senseless to pay 13 – 20 percent interest on credit card payments while your savings accounts earn one or two percent.
  • If you cannot pay off your credit card debt, pay more than the minimum payment each month which in some cases will only cover the interest charges.
  • Don’t  worry  too much about paying off student loans early.  These normally have a much lower interest rate than credit cards.  By making low payments on student loans, you’ll have more money to reduce high-interest credit card debt.