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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.

Please inquire at the Credit Union about applying for a share draft checking account.
  Account Features:
  • Competitive Dividends
  • Earnings calculated daily and paid quarterly
  • Unlimited withdrawals and deposits
  • Convenient access with your ATM card and DirecLine

Christmas Savings

Take the stress out of financing the holidays by opening a Christmas Account. With convenient payroll deduction you can transfer monthly to your Christmas Club. In November, you will receive a check for the amount you put in plus dividends 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.

Rates for Share Savings
Effective Date: March 31, 2012
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 0.30% 0.30% $500.00
Loan Pledge Shares ** $100.00 $100.00     $100.00
Club Shares** $100.00 $100.00 0.05% 0.05% $100.00
* Share Account has $3.00/month service charge on balances below $100.
** Penalty incurred for early withdrawal.
† 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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Co-op NetworkFind fee-free ATMs and Shared Branches.

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.