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A Share Savings Account is the basic account you open when you join ABD Federal Credit Union. Our Share Savings Account is an excellent general purpose account with features such as those to the right.

Your time is valuable.  Add Direct Deposit or Payroll Deduction and you can be confident that your funds are deposited into your account every pay period, no matter where you are. 


Account Features:

  • Competitive Dividends
  • Earnings calculated daily and paid quarterly
  • Unlimited withdrawals and deposits
  • Convenient access with your ATM Card
  • 24/7 accessibility through Telephone Banking, Online Banking and our Mobile App  

Christmas Club Savings

Take the stress out of financing the holidays by opening a Christmas Club Account. With convenient payroll deduction you can transfer Weekly, Bi-weekly or Monthly to your Christmas Club Account. In November, the amount you put in plus dividends will be transferred into your Regular Share Savings or Checking account, for your Christmas Shopping.


Split Rate Savings

Split Rate Shares are a tiered share account on which the credit union pays dividend at a different rate for each level on deposit. A MINIMUM BALANCE of $500 must be maintained in the Regular Share account by each member who has a Split Rate account. This $500 is not available to the member for as long as the Split-Rate account is open.

Youth Club Regular Shares 

(Minor Share Savings Account) is the perfect start for your children, grandchildren, nieces and nephews, and with no monthly fees, you help create the foundation to financial proficiency, for them. Easy set-up E-allowance and you’ll have access to their account through online banking.

Rates for Share Savings
Effective Date: June 2020
Minimum DepositMinimum to Earn InterestDividend RateAPY†Minimum to Avoid Charge
Regular Share* $10.00 $100.00 0.05% 0.05% $100.00
Split Rate Shares** $500.00 $0-$2,000 0.10% 0.10% $500.00
  $500.00 $2,000 -$5,000 0.15% 0.15% $500.00
  $500.00 $5,000 – Up 0.25% 0.25% $500.00
Special Share Savings $0.01 $100.00 0.05% 0.05% $100.00
Loan Pledge Shares** $100.00 $100.00     $100.00
Christmas Club Shares** $100.00 $100.00 0.02% 0.02% $100.00
Youth Club Regular Shares*** $10.00 $100.00 0.05% 0.05%  
* Share Account has $5.00/month service charge on balances below $100.
** Penalty incurred for early withdrawal.   ***No monthly service charge for Youth Club Regular Shares.  
† APY = Annual Percentage Yield. Interest will compound monthly to the certificate, will pay to another account, or will accrue until maturity.

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Equal Housing Lender National Credit Union Administration
This Credit Union is federally-insured by the National Credit Union Administration. We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act.