What are the current interest rates at ABD Federal Credit Union?

Current rates for ABD Federal Credit Union include: 12-Month CD: 3.29%, 24-Month CD: 2.01%, Savings: 0.05%

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ABD Federal Credit Union

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ABD Federal Credit Union Rates & Review September 2026

Q: How many branches does ABD Federal Credit Union operate?

ABD Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join ABD Federal Credit Union?

Yes, to access services at ABD Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, ABD Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 10, 2026

ABD Federal Credit Union's 1 Year Mini Investment CD rates are at 4.06%, 12 month Mini Investment CD rates are at 3.29%, 2 Years Mini Investment CD rates are at 3.03%, 3 Years Mini Investment CD rates are at 2.83%, 24 month Mini Investment CD rates are at 2.01%. ABD Federal Credit Union's savings rates are at 0.05%. ABD Federal Credit Union's Personal Loan Rates are at 8.00%. MonitorBankRates evaluates the financial stability of ABD Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.42%. Rates last updated and verified on 09/10/2026.

ABD Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at ABD Federal Credit Union? Share your experience about ABD Federal Credit Union by leaving a review below, or read customer reviews before you decide to use ABD Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.42%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

ABD Federal Credit Union
ABD FEDERAL CREDIT UNION

27850 MOUND RD
WARREN, MI 48092

http://www.abdfcu.com

ABD Federal Credit Union CD Rates

Product	Rate	APY	Term
1 Year Mini Investment Certificate	4.00%	4.06%	1 Year
Min Deposit $50,000 Last Updated 09/10/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.42%
12 month Mini Investment Certificate	3.25%	3.29%	12 months
Min Deposit $1,000 Last Updated 09/10/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.42%
2 Years Mini Investment Certificate	3.00%	3.03%	2 Years
Min Deposit $50,000 Last Updated 09/10/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.42%
3 Years Mini Investment Certificate	2.80%	2.83%	3 Years
Min Deposit $50,000 Last Updated 09/10/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.42%
24 month Mini Investment Certificate	2.00%	2.01%	24 months
Min Deposit $1,000 Last Updated 09/10/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.42%
36 month Mini Investment Certificate	1.80%	1.81%	36 months
Min Deposit $2,500 Last Updated 09/10/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.42%
6 month Mini Investment Certificate	1.50%	1.51%	6 months
Min Deposit $1,000 Last Updated 09/10/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.42%

ABD Federal Credit Union Savings Rates

Product	Rate	APY
Savings	0.45%	0.45%
Min Balance $5,000 Last Updated 09/10/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.42%
Savings	0.35%	0.35%
Min Balance $2,000 Last Updated 09/10/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.42%
Savings	0.25%	0.25%
Min Balance $0 Last Updated 09/10/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.42%
Special Share Savings	0.05%	0.05%
Min Deposit $0 Min Balance $100 Last Updated 09/10/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.42%
Christmas Club Shares	0.02%	0.02%
Min Deposit $100 Min Balance $100 Details Penalty incurred for early withdrawal. Last Updated 09/10/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.42%
Youth Club Regular Shares	0.02%	0.02%
Min Deposit $10 Min Balance $100 Details No monthly service charge for Youth Club Regular Shares. Last Updated 09/10/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.42%

ABD Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New and Used Auto Loans	3.25%	-	3.25%	24 months
Details All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee. Last Updated 09/10/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.42%
New and Used Auto Loans	3.50%	-	3.50%	36 months
Details All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee. Last Updated 09/10/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.42%
New and Used Auto Loans	3.75%	-	3.75%	48 months
Details All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee. Last Updated 09/10/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.42%
New and Used Auto Loans	4.00%	-	4.00%	60 months
Details All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee. Last Updated 09/10/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.42%
New and Used Auto Loans	4.25%	-	4.25%	72 months
Details All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee. Last Updated 09/10/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.42%
New Auto Loans	4.75%	-	4.75%	84 months
Details All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.; 84 month term on new vehicles only based on credit score. Last Updated 09/10/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.42%

ABD Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
VISA Credit Card	-	7.99%
Details As Low As Last Updated 09/10/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.42%

ABD Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Unsecured Loans	8.00%	Up to 48 months
Details Unsecured rates range from 8.00% to 18.00%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee. Last Updated 09/10/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.42%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

ABD Federal Credit Union’s Texas Ratio stayed near 2.15% in Q2 2023 to 2.42% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy threshold

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$67M	2.42%	5.0	A+
December 31, 2025	$68M	2.38%	5.0	A+
September 30, 2025	$66M	2.06%	5.0	A+
June 30, 2025	$68M	1.40%	5.0	A+
March 31, 2025	$68M	3.24%	5.0	A+
December 31, 2024	$68M	4.25%	5.0	A+
September 30, 2024	$65M	3.73%	5.0	A+
June 30, 2024	$68M	3.90%	5.0	A+
March 31, 2024	$70M	2.56%	5.0	A+
December 31, 2023	$65M	3.28%	5.0	A+
September 30, 2023	$66M	2.99%	5.0	A+
June 30, 2023	$67M	2.15%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for ABD Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather ABD Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with ABD Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name ABD Federal Credit Union

Website http://www.abdfcu.com

Address 27850 MOUND RD, WARREN, MI 48092

Phone 586-751-4400

Fax 586-751-4407

President Charlie Spann

CEO Taneka Charleston

Full-Time Employees 23

Part-Time Employees 5

Branch Locations 3

ATM Locations 2

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.42%

Return on Assets (ROA)

-0.2420%

Return on Equity (ROE)

-1.6005%

Non-Performing Loans Ratio (NPL)

1.45%

Total Assets

66,695,575

Total Amount of Shares and Deposits

55,955,148

Total Shares and Deposits < 1 Year

55,299,476

Total Shares and Deposits 1 3 Years

655,673

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

3,509,802

Total Uninsured Shares and Deposits > $250K (F+J)

3,509,802

Total Insured Shares and Deposits > $250K (item 17 less item K)

52,445,346

Total Interest Expense (Sum of items 6 8)

98,937

Share Certificates

181

Number of Accounts for Share Drafts

2,995

IRA KEOGH Accounts

Number of Accounts for Regular Shares

7,349

All other shares

176

Money Market Shares

333

Net Income (unless the amount is already included in Undivided Earnings)

-161,417

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

9,914,191

Total Liabilities

56,646,244

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

ABD Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About ABD Federal Credit Union

How many branches does ABD Federal Credit Union operate?

ABD Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join ABD Federal Credit Union?

Yes, to access services at ABD Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, ABD Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, ABD Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does ABD Federal Credit Union offer online and mobile banking?

Most modern institutions like ABD Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: http://www.abdfcu.com.