Credit union · NCUA insured
Abound Credit Union CD Rates
Top CarrotAbound Credit Union’s best CD rate is 4.50% APY on a 15-month share certificate (CD). Terms run from 3 months to 59 months. Rates checked October 22, 2026.
How Abound Credit Union’s CD rates compare
Compared with banks and credit unions near Louisville/Jefferson County, KY-IN, where Abound Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Abound Credit Union
4.50%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $566
Certificate Account
Top rate
Commonwealth Credit Union
5.00%APY
- Term
- 24 months
- Minimum
- $5
- Earns on $10,000
- $1,025
2nd-highest rate
Lincoln National Bank
4.65%APY
- Term
- 13 months
- Minimum
- $500
- Earns on $10,000
- $505
Abound Credit Union CD score
85
CD score
Higher than 71% of U.S. banks and credit unions
- 3–8 months3–8 mo2.50%
- 9–15 months9–15 mo4.50%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.25%
- 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 Abound 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.
Certificate Account
Up to 4.50%APY · 9 terms
Available for both consumer and business accounts. Subject to a non-refundable $10 membership fee if not already a member. Minimum opening deposit $500.00. Dividends calculated using the Average Daily Balance Method, paid and compounded monthly. Early withdrawal penalties apply (90 days dividends for 3-24 months, 180 days dividends for 25-48 months, 365 days dividends for 59 months).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsAutomatically renews with a 3-month term. Early withdrawal penalty is 90 days dividends | 1.00% | $25 |
| 6 monthsAutomatically renews with a 6-month term. Early withdrawal penalty is 90 days dividends | 2.50% | $124 |
| 12 monthsAutomatically renews with a 12-month term. Early withdrawal penalty is 90 days dividends | 3.00% | $300 |
| 15 months15-month Certificate Special. Automatically renews with a 12-month term. Early withdrawal penalty is 90 days dividends | 4.50% | $566 |
| 18 monthsAutomatically renews with an 18-month term. Early withdrawal penalty is 90 days dividends | 3.50% | $530 |
| 24 monthsAutomatically renews with a 24-month term. Early withdrawal penalty is 90 days dividends | 3.50% | $712 |
| 36 monthsAutomatically renews with a 36-month term. Early withdrawal penalty is 180 days dividends | 3.00% | $927 |
| 48 monthsAutomatically renews with a 48-month term. Early withdrawal penalty is 180 days dividends | 3.25% | $1,365 |
| 59 monthsAutomatically renews with a 59-month term. Early withdrawal penalty is 365 days dividends | 3.25% | $1,703 |
Special-purpose accounts
IRA Certificate Account
Up to 4.50%APY · 9 terms
Available for consumer members with Abound IRAs (Traditional and Roth IRAs). Subject to a non-refundable $10 membership fee if not already a member. Minimum opening deposit $500.00. Dividends calculated using the Average Daily Balance Method, paid and compounded monthly. Early withdrawal penalties apply (90 days dividends for 3-24 months, 180 days dividends for 25-48 months, 365 days dividends for 59 months).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsAutomatically renews with a 3-month term. Early withdrawal penalty is 90 days dividends | 1.00% | $25 |
| 6 monthsAutomatically renews with a 6-month term. Early withdrawal penalty is 90 days dividends | 2.50% | $124 |
| 12 monthsAutomatically renews with a 12-month term. Early withdrawal penalty is 90 days dividends | 3.00% | $300 |
| 15 months15-month Certificate Special. Automatically renews with a 12-month term. Early withdrawal penalty is 90 days dividends | 4.50% | $566 |
| 18 monthsAutomatically renews with an 18-month term. Early withdrawal penalty is 90 days dividends | 3.50% | $530 |
| 24 monthsAutomatically renews with a 24-month term. Early withdrawal penalty is 90 days dividends | 3.50% | $712 |
| 36 monthsAutomatically renews with a 36-month term. Early withdrawal penalty is 180 days dividends | 3.00% | $927 |
| 48 monthsAutomatically renews with a 48-month term. Early withdrawal penalty is 180 days dividends | 3.25% | $1,365 |
| 59 monthsAutomatically renews with a 59-month term. Early withdrawal penalty is 365 days dividends | 3.25% | $1,703 |
Who can join Abound Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals living, working, worshiping, attending school, or conducting regular business in designated areas in Kentucky are eligible for membership.
Employers and groups
- Employees of Select Employer Groups are eligible for membership.
Military, government and schools
- Active duty military, Reserves, National Guard personnel, and Civil Service employees are eligible for membership.
- Contractors attached to Fort Knox Army base are eligible for membership.
- Retired Military and retired Civil Service individuals are eligible for membership.
Cost to join
- Joining requires a $10 non-refundable Membership fee.
- Joining requires a $5 deposit to open a share.
Membership information collected October 4, 2026.