Credit union · NCUA insured
CDC Federal Credit Union Savings Rates
CDC Federal Credit Union’s best savings rate is 0.35% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How CDC Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Atlanta, GA, where CDC Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
CDC Federal Credit Union
0.35%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $35
Money Market Account
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
American Pride Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $500
CDC Federal Credit Union savings score
75
Savings score
Higher than 38% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.35%
- $100,000 balance$100,0000.45%
- QualifiedQualified0.35%
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 CDC 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 Account
0.35%APY
Minimum average daily balance of $1,000 to earn dividends; $15 monthly fee if average daily balance drops below $1,000. Up to 6 third-party payment transfers per month ($10 transaction fee per transfer in excess of 6).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $2,499Minimum average daily balance of $1,000 or more to earn dividends; $15 monthly fee applies if average daily balance drops below $1,000. | 0.25% | — | Minimum average daily balance of $1,000 or more to earn dividends; $15 monthly fee applies if average daily balance drops below $1,000. |
| $2,500 – $9,999Minimum average daily balance of $1,000 or more to earn dividends; $15 monthly fee applies if average daily balance drops below $1,000. | 0.30% | — | Minimum average daily balance of $1,000 or more to earn dividends; $15 monthly fee applies if average daily balance drops below $1,000. |
| $10,000 – $24,999Minimum average daily balance of $1,000 or more to earn dividends; $15 monthly fee applies if average daily balance drops below $1,000. | 0.35% | $35 | Minimum average daily balance of $1,000 or more to earn dividends; $15 monthly fee applies if average daily balance drops below $1,000. |
| $25,000 – $49,999Minimum average daily balance of $1,000 or more to earn dividends; $15 monthly fee applies if average daily balance drops below $1,000. | 0.40% | — | Minimum average daily balance of $1,000 or more to earn dividends; $15 monthly fee applies if average daily balance drops below $1,000. |
| $50,000 and upMinimum average daily balance of $1,000 or more to earn dividends; $15 monthly fee applies if average daily balance drops below $1,000. | 0.45% | — | Minimum average daily balance of $1,000 or more to earn dividends; $15 monthly fee applies if average daily balance drops below $1,000. |
Custom Share
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (1)
- cdcfcu.com/rates/savings · captured Oct 5, 2026
Prime Share Savings
0.05%APY
Maintain an average daily balance of $25 or more ($0.00 if under age 18), otherwise $5 per month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMaintain an average daily balance of $25 or more ($0.00 if under age 18) to avoid $5 monthly fee.$25 and up | 0.05% | $5 | Maintain an average daily balance of $25 or more ($0.00 if under age 18) to avoid $5 monthly fee. |
Special-purpose accounts
Next Generation
6.17%APY
Exclusively for members under the age of 19. No monthly service fees or minimum balance required.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Exclusively for members under the age of 19. Paid on deposits up to $10,000. | 6.17% | $617 | Exclusively for members under the age of 19. Paid on deposits up to $10,000. |
| Over $10,000Exclusively for members under the age of 19. Paid on deposits $10,000.01 or greater. | 0.05% | — | Exclusively for members under the age of 19. Paid on deposits $10,000.01 or greater. |
Christmas Club
0.05%APY
Balance transferred each November 1st to Primary Share Savings. $10 fee for early withdrawal or closure before November 1st.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upBalance transferred each November 1st to Primary Share Savings.$25 and up | 0.05% | $5 | Balance transferred each November 1st to Primary Share Savings. |
Sources (3)
- cdcfcu.com/rates/savings
- cdcfcu.com/savings/christmas-club
- assets.cdcfcu.com/img/www/main…of%20Fees_1790288281.pdf
All captured Oct 5, 2026
Primary IRA
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Who can join CDC Federal 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 residing or working in portions of DeKalb, Fulton, or Gwinnett Counties are eligible for membership.
Employers and groups
- Employees of the American Cancer Society are eligible for membership.
- Employees of Children's Healthcare of Atlanta are eligible for membership.
- Employees of over 100 other Select Employee Groups are eligible for membership.
- Employees of Whole Foods are eligible for membership.
Military, government and schools
- Employees, subsidiaries, affiliates, or contractors of the Centers for Disease Control and Prevention are eligible for membership.
1 more way to join
Family and household
- Relatives of individuals residing or working in portions of DeKalb, Fulton, or Gwinnett Counties are eligible for membership.
Membership information collected October 4, 2026.