Credit union · Privately insured
Abbott Laboratories Employees Credit Union CD Rates
Top CarrotAbbott Laboratories Employees Credit Union’s best CD rate is 4.50% APY on a 20-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Abbott Laboratories Employees Credit Union’s CD rates compare
Compared with banks and credit unions near Chicago, IL-IN, where Abbott Laboratories Employees Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Abbott Laboratories Employees Credit Union
4.50%APY
- Term
- 20 months
- Minimum
- $500
- Earns on $10,000
- $761
Certificates
Top rate
Vicinity Credit Union
5.15%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $559
2nd-highest rate
Whiting Refinery Federal Credit Union
5.12%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,836
Abbott Laboratories Employees Credit Union CD score
90
CD score
Higher than 90% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo3.60%
- 16–30 months16–30 mo4.50%
- 31–60 months31–60 mo4.10%
- QualifiedQualified4.50%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Abbott Laboratories Employees Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates
Up to 4.50%APY · 7 terms
Dividends paid monthly based on daily average balance. Automatically reinvested dividends.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty may apply | 3.50% | $173 |
| 12 monthsEarly withdrawal penalty may apply | 3.60% | $360 |
| 20 monthsSpecial certificate rate; early withdrawal penalty may apply | 4.50% | $761 |
| 24 monthsEarly withdrawal penalty may apply | 3.75% | $764 |
| 36 monthsEarly withdrawal penalty may apply | 3.90% | $1,216 |
| 48 monthsEarly withdrawal penalty may apply | 4.00% | $1,699 |
| 60 monthsEarly withdrawal penalty may apply | 4.10% | $2,225 |
Variable Rate Certificate
4.17%APY · 1 term
Variable rate based on 13-week Treasury Bill + 0.15% (0% APY floor). Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsVariable rate based on 13-week Treasury Bill + 0.15%. Dividends paid monthly | 4.17% | $851 |
Special-purpose accounts
HSA Certificates
Up to 4.50%APY · 6 terms
Requires HDHP coverage and ALEC membership (completed application, ID, and $5 Savings Account). No service charges except early withdrawal penalty; penalty-free withdrawals for qualified medical expenses.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months10-day grace period after maturity | 3.60% | $360 |
| 20 months10-day grace period after maturity | 4.50% | $761 |
| 24 months10-day grace period after maturity | 3.75% | $764 |
| 36 months10-day grace period after maturity | 3.90% | $1,216 |
| 48 months10-day grace period after maturity | 4.00% | $1,699 |
| 60 months10-day grace period after maturity | 4.10% | $2,225 |
Sources (2)
All captured Oct 9, 2026
IRA Certificates
Up to 4.50%APY · 6 terms
Available in Roth, Traditional, and Educational IRAs. Dividends paid monthly and automatically reinvested. No service charges except early withdrawal penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAvailable in Roth, Traditional, and Education IRAs; early withdrawal penalty may apply | 3.60% | $360 |
| 20 monthsAvailable in Roth, Traditional, and Education IRAs; early withdrawal penalty may apply | 4.50% | $761 |
| 24 monthsAvailable in Roth, Traditional, and Education IRAs; early withdrawal penalty may apply | 3.75% | $764 |
| 36 monthsAvailable in Roth, Traditional, and Education IRAs; early withdrawal penalty may apply | 3.90% | $1,216 |
| 48 monthsAvailable in Roth, Traditional, and Education IRAs; early withdrawal penalty may apply | 4.00% | $1,699 |
| 60 monthsAvailable in Roth, Traditional, and Education IRAs; early withdrawal penalty may apply | 4.10% | $2,225 |
Variable Rate HSA Certificate
4.17%APY · 1 term
Requires HDHP coverage and ALEC membership. Rate tied to 13-week Treasury Bill Index + 0.15% with a 0% APY floor.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsVariable rate based on 13-week Treasury Bill | 4.17% | $851 |
Sources (2)
All captured Oct 9, 2026
Variable Rate IRA Certificate
4.17%APY · 1 term
Available in Traditional, Roth, and Education IRAs. Rate tied to 13-week Treasury Bill Index + 0.15% with a 0% APY floor.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsVariable rate tied to 13-week Treasury Bill Index | 4.17% | $851 |
Closed to new customers
Rewards Checking Certificate Bonus Rates
Up to 4.15%APY · 5 terms
Rewards Checking account holders can receive up to 0.05% bonus on certificate terms 12 to 60 months. New accounts only; not valid on renewals, HSA, IRA, or Variable Rate Certificates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMust have Rewards Checking account | 3.61% | $361 |
| 24 monthsMust have Rewards Checking account | 3.77% | $768 |
| 36 monthsMust have Rewards Checking account | 3.93% | $1,226 |
| 48 monthsMust have Rewards Checking account | 4.04% | $1,717 |
| 60 monthsMust have Rewards Checking account | 4.15% | $2,255 |
Sources (1)
- alecu.org/rates · captured Oct 16, 2026
Who can join Abbott Laboratories Employees Credit Union
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