What are the current interest rates at Abbott Laboratories Credit Union?

Current rates for Abbott Laboratories Credit Union include: 12-Month CD: 3.60%, 24-Month CD: 3.75%, 60-Month CD: 4.10%

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Abbott Laboratories Credit Union

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Abbott Laboratories Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Abbott Laboratories 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: October 10, 2026

Abbott Laboratories Credit Union's top rate as of October 10, 2026 is 4.50% APY on its 20 Month CDs CD, according to rates verified by MonitorBankRates. Other Abbott Laboratories Credit Union CD rates include 20-Month CD Special at 4.50%, 24 Month Variable Rate CD at 4.17%, and 24 Month Variable Rate HSA CD at 4.17%. MonitorBankRates evaluates the financial stability of Abbott Laboratories Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.42%. Rates last updated and verified on 10/10/2026.

Abbott Laboratories 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 Abbott Laboratories Credit Union? Share your experience about Abbott Laboratories Credit Union by leaving a review below, or read customer reviews before you decide to use Abbott Laboratories Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.42%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Abbott Laboratories Credit Union
ALEC

325 Tri State Pkwy
Gurnee, IL 60031

https://www.alecu.org

Privately insuredNot NCUA

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Abbott Laboratories Credit Union CD Rates

Product	Rate	APY	Term
20 Month Certificates	4.41%	4.50%	20 months
Min Balance $500 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25% Oct 10, 20264.50%▲ from 4.25% Sep 18, 20264.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
20-Month Certificate Special	-	4.50%	20 months
Min Deposit $500 Details Fixed interest rate. Dividends paid monthly. Automatically reinvested dividends for maximum compounding. Available as a traditional certificate, IRA, HSA, and ESA. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25% Oct 10, 20264.50%▲ from 4.25% Sep 14, 20264.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
24 Month Variable Rate Certificate	4.088%	4.17%	24 months
Min Balance $500 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 3.87% → 4.17% ▲ 0.30 pts · high 4.17% / low 3.87% Oct 10, 20264.17%▲ from 3.87% Sep 18, 20263.87%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
24 Month Variable Rate HSA Certificate	4.088%	4.17%	24 months
Min Balance $500 Details Balance: 24 months Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 3.87% → 4.17% ▲ 0.30 pts · high 4.17% / low 3.87% Oct 10, 20264.17%▲ from 3.87% Sep 22, 20263.87%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
24 Month Variable Rate IRA Certificate	4.088%	4.17%	24 months
Min Balance $500 Details Balance: 24 months Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 3.87% → 4.17% ▲ 0.30 pts · high 4.17% / low 3.87% Oct 10, 20264.17%▲ from 3.87% Sep 22, 20263.87%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
60 Month Certificates	4.025%	4.10%	60 months
Min Balance $500 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 4.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
60 Month HSA Certificates	4.025%	4.10%	60 months
Min Balance $500 Details Balance: 60 months Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 4.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
60 Month IRA Certificates Roth, Traditional, Education	4.025%	4.10%	60 months
Min Balance $500 Details Balance: 60 months Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
48 Month Certificates	3.928%	4.00%	48 months
Min Balance $500 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
48 Month HSA Certificates	3.928%	4.00%	48 months
Min Balance $500 Details Balance: 48 months Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
48 Month IRA Certificates Roth, Traditional, Education	3.928%	4.00%	48 months
Min Balance $500 Details Balance: 48 months Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
36 Month Certificates	3.832%	3.90%	36 months
Min Balance $500 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
36 Month HSA Certificates	3.832%	3.90%	36 months
Min Balance $500 Details Balance: 36 months Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 3.90% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
36 Month IRA Certificates Roth, Traditional, Education	3.832%	3.90%	36 months
Min Balance $500 Details Balance: 36 months Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.90% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
24 Month Certificates	3.687%	3.75%	24 months
Min Balance $500 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
24 Month HSA Certificates	3.687%	3.75%	24 months
Min Balance $500 Details Balance: 24 months Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
24 Month IRA Certificates Roth, Traditional, Education	3.687%	3.75%	24 months
Min Balance $500 Details Balance: 24 months Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
13 Week Certificate	-	3.715%	13 weeks
Details The APY is calculated by an Index + .15%. The "Index" is the 13-week Treasury Bill rate posted in the Money rates section of the Wall Street Journal on the last business day of the previous month. As of August 31st, 2026 the rate is 3.715%. The rate floor is 0% APY. A penalty may be imposed on an early withdrawal of a Share Certificate. View our fee schedule . Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 3.72% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
12 Month Certificates	3.542%	3.60%	12 months
Min Balance $500 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
12 Month HSA Certificates	3.542%	3.60%	12 months
Min Balance $500 Details Balance: 12 months Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 3.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
12 Month IRA Certificates Roth, Traditional, Education	3.542%	3.60%	12 months
Min Balance $500 Details Balance: 12 months Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.60% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%
6 Month Certificates	3.445%	3.50%	6 months
Min Balance $500 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.42%

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

Abbott Laboratories Credit Union’s Texas Ratio stayed near 0.66% in Q3 2023 to 0.42% in Q2 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 — this credit union’s entire history sits far below the 15% threshold 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 Grade

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
June 30, 2026	$1.1B	0.42%	5.0	A+
March 31, 2026	$1.2B	0.49%	5.0	A+
December 31, 2025	$1.1B	0.40%	5.0	A+
September 30, 2025	$1.1B	0.33%	5.0	A+
June 30, 2025	$1.1B	0.49%	5.0	A+
March 31, 2025	$1.2B	0.38%	5.0	A+
December 31, 2024	$1.0B	0.19%	5.0	A+
September 30, 2024	$1.0B	0.46%	5.0	A+
June 30, 2024	$1.0B	0.64%	5.0	A+
March 31, 2024	$1.1B	0.55%	5.0	A+
December 31, 2023	$1.0B	0.70%	5.0	A+
September 30, 2023	$995M	0.66%	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 Abbott Laboratories 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 Abbott Laboratories 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 Abbott Laboratories Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Abbott Laboratories Credit Union

Website https://www.alecu.org

Address 325 Tri State Pkwy, Gurnee, IL 60031

Phone 847-688-8000

Fax

President James Wenner

CEO Joseph Trosclair

Full-Time Employees 117

Part-Time Employees 0

Branch Locations 11

ATM Locations 9

NCUA Insured No, not federally insured

Private Share Insurance Not federally insured by the NCUA. Deposits are covered by private share insurance instead; contact the credit union for its insurer and coverage limits

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.42%

Return on Assets (ROA)

0.4772%

Return on Equity (ROE)

3.2929%

Non-Performing Loans Ratio (NPL)

0.11%

Total Assets

1,141,254,192

Total Amount of Shares and Deposits

981,556,303

Total Shares and Deposits < 1 Year

822,427,824

Total Shares and Deposits 1 3 Years

125,527,372

Total Shares and Deposits > 3 Years

33,601,107

Total Interest Expense (Sum of items 6 8)

10,166,792

Share Certificates

7,454

Number of Accounts for Share Drafts

23,047

IRA KEOGH Accounts

1,559

Number of Accounts for Regular Shares

32,983

All other shares

4,126

Money Market Shares

3,909

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

5,445,750

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)

67,541,095

Total Liabilities

989,990,589

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Abbott Laboratories Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 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, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Abbott Laboratories Credit Union

How many branches does Abbott Laboratories Credit Union operate?

Abbott Laboratories 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 Abbott Laboratories Credit Union?

Yes, to access services at Abbott Laboratories 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, Abbott Laboratories 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, Abbott Laboratories Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Abbott Laboratories Credit Union offer online and mobile banking?

Most modern institutions like Abbott Laboratories 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: https://www.alecu.org.