Credit union · NCUA insured
ABD Federal Credit Union Savings Rates
ABD Federal Credit Union’s best savings rate is 0.45% APY on $10,000, with its Split Rate Savings. Rates checked October 16, 2026.
How ABD Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Detroit, MI, where ABD Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
ABD Federal Credit Union
0.45%APY
- Requires
- None
- Minimum
- $500
- Earns on $10,000 a year
- $45
Split Rate Savings
Top rate
Ignite Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $500
2nd-highest rate
Flagstar Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
ABD Federal Credit Union savings score
77
Savings score
Higher than 43% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.45%
- $100,000 balance$100,0000.45%
- QualifiedQualified0.45%
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 ABD Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Split Rate Savings
0.45%APY
To open a Split Rate account, each member must maintain a minimum balance of $500 in their Regular Share account, which remains inaccessible while the Split Rate account is active. Penalty incurred for early withdrawal.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,000Penalty incurred for early withdrawal. Minimum to avoid charge is $500.00. | 0.25% | — | Penalty incurred for early withdrawal. Minimum to avoid charge is $500.00. |
| $2,000 – $5,000Penalty incurred for early withdrawal. Minimum to avoid charge is $500.00. | 0.35% | — | Penalty incurred for early withdrawal. Minimum to avoid charge is $500.00. |
| $5,000 and upPenalty incurred for early withdrawal. Minimum to avoid charge is $500.00. | 0.45% | $45 | Penalty incurred for early withdrawal. Minimum to avoid charge is $500.00. |
Regular Share Savings
Up to 0.20%APY
Share Account has $5.00/month service charge on balances below $100.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Any balanceUnknown to open | 0.05% | Unknown | $5 | |
| $100 and up$5.00/month service charge on balances below $100. Minimum to avoid charge is $100.00. · $10 to open | 0.20% | $10 | $20 | $5.00/month service charge on balances below $100. Minimum to avoid charge is $100.00. |
Special Share Savings
0.05%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum to avoid charge is $100.00.$100 and up | 0.05% | $5 | Minimum to avoid charge is $100.00. |
Special-purpose accounts
IRA
0.50%APY
Includes Traditional and Roth options. Dividends are declared quarterly and posted on the last calendar day of each quarter. No dividend will be paid on an IRA account closed prior to the dividend posting date.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceIRA Traditional Account.Any balance | 0.50% | $50 | IRA Traditional Account. |
Sources (1)
- abdfcu.com/save-and-spend/ira · captured Sep 18, 2026
Christmas Club Shares
0.02%APY
In November, deposits plus dividends are transferred directly to Regular Share Savings or Checking account. Penalty incurred for early withdrawal.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upPenalty incurred for early withdrawal. Minimum to avoid charge is $100.00.$100 and up | 0.02% | $2 | Penalty incurred for early withdrawal. Minimum to avoid charge is $100.00. |
Sources (1)
- abdfcu.com/save-and-spend/savings · captured Sep 18, 2026
Youth Club Regular Shares
0.02%APY
No monthly service charge for Youth Club Regular Shares. Penalty incurred for early withdrawal.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upNo monthly service charge. Penalty incurred for early withdrawal.$100 and up | 0.02% | $2 | No monthly service charge. Penalty incurred for early withdrawal. |
Sources (1)
- abdfcu.com/save-and-spend/savings · captured Sep 18, 2026
Who can join ABD Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of specific partner businesses are eligible for membership.
- Employees and retirees of Stellantis/Fiat Chrysler Automobiles (FCA) who work at designated facilities are eligible for membership.
Other ways
- Individuals referred by a current ABD member through the membership referral program are eligible to join.
Membership information collected October 5, 2026.