Credit union · NCUA insured
AOD Federal Credit Union Savings Rates
Top CarrotAOD Federal Credit Union’s best savings rate is 2.25% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How AOD Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Anniston, AL, where AOD Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
AOD Federal Credit Union
2.25%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $225
Money Market
Top rate
FirstBank
3.40%APY
- Requires
- Another account
- Minimum
- $50
- Earns on $10,000 a year
- $340
2nd-highest rate
Southern Energy Credit Union
2.25%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $225
AOD Federal Credit Union savings score
93
Savings score
Higher than 95% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0002.25%
- $100,000 balance$100,0003.50%
- QualifiedQualified2.25%
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 AOD 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.
Money Market
2.25%APY
Membership required. Age 18 and older.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.25% | — |
| $2,500 – $10,000 | 2.25% | $225 |
| $10,000 – $25,000 | 2.25% | — |
| $25,000 – $50,000 | 2.25% | — |
| $50,000 – $100,000 | 3.50% | — |
| Over $100,000 | 3.50% | — |
Primary Share Savings
0.25%APY
Rates subject to change without notice after account is opened.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAPY based on $0.75 minimum balance assumption.Any balance | 0.25% | $25 | APY based on $0.75 minimum balance assumption. |
Secondary Share Savings
0.15%APY
Rates subject to change without notice after account is opened.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.15% | $15 |
Sources (1)
- aodfcu.com/rates · captured Oct 5, 2026
Special-purpose accounts
Christmas Club Savings
Up to 0.50%APY
Automatic annual distributions occur on November 1st of each year. $10 fee for each withdrawal made prior to Annual Distribution Date.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAPY is based on the assumption that a $0.75 minimum balance and other requirements will be met. Rates subject to change without notice after account is opened.Any balance | 0.50% | $50 | APY is based on the assumption that a $0.75 minimum balance and other requirements will be met. Rates subject to change without notice after account is opened. |
| Any balanceAPY is based on the assumption that a $25 minimum balance and other requirements will be met. Rates subject to change without notice after account is opened.Any balance | 0.15% | $15 | APY is based on the assumption that a $25 minimum balance and other requirements will be met. Rates subject to change without notice after account is opened. |
Sources (3)
All captured Oct 5, 2026
IRA Clubs
0.15%APY
Traditional, Roth, or Coverdell ESA IRA types.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo administration fee; monthly dividend frequency.Any balance | 0.15% | $15 | No administration fee; monthly dividend frequency. |
Kid's Club Savings
0.15%APY
Rates subject to change without notice after account is opened.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.15% | $15 |
Who can join AOD Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.