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ABCO Federal Credit Union Rates & Review September 2026

ABCO Federal Credit Union's 12-Month CD rates are at 3.56%. ABCO Federal Credit Union's savings rates are at 0.05%. ABCO Federal Credit Union's Auto Loan Rates are as low as 4.99%. ABCO Federal Credit Union's Credit Card Rates are at 9.99%. MonitorBankRates evaluates the financial stability of ABCO Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.74%. Rates last updated and verified on 09/21/2026.

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

MonitorBankRates Verified Healthy Badge 2026 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 ?
2.74%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
ABCO Federal Credit Union
Willingboro Lending Dept.
621 Beverly Rancocas Rd Ste 1H
Willingboro, NJ 08046-3727
https://www.abcofcu.org
Member NCUA

ABCO Federal Credit Union CD Rates

Product Rate APY Term View More
12-Month Certificate - 3.56% 12 months
Details As low as
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.74%

ABCO Federal Credit Union Savings Rates

Product Rate APY View More
GrowWise Savings - 7.00%
Min Balance $0
Details Balance: $0 - $1,000.00
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.74%
GrowWise Savings - 0.05%
Min Balance $1,000
Details Balance: $1,000.01+
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.74%

ABCO Federal Credit Union Checking Rates

Product Rate APY View More
EarnWell Checking - 4.00%
Min Balance $0
Details Qualifications Required: 10 debit card transactions of at least $5 or more per month posted and cleared during the current statement cycle; a direct deposit of at least $1,000 per month; enrollment in online banking; and enrollment in eStatements; Earn 4.00% Annual Percentage Yield on balances up to $10,000. Balances over $10,000 earn at a reduced rate. Balance: $0 - $10,000
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.74%
EarnWell Checking - 0.10%
Min Balance $10,000
Details Balances over $10,000 earn at a reduced rate. Balance: $10,000.01+
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.74%

ABCO Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity - - 5.99%
Details As low as
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.74%

ABCO Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New Auto - - 4.99%
Details As low as
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.74%

ABCO Federal Credit Union Credit Card Rates

Product Rate APR View More
Visa Rewards Card - 9.99%
Details As Low As; Earn reward points with every purchase. Fixed-rate card. No annual fee. No balance transfer fee. Chip enhancement for security. Cash advances available at any EdiFi branch or more than 30,000 surcharge-free ATMs around the country 24/7 Access. Monitor your EdiFi Visa account with Online Banking or via our Mobile App. Enroll in credit card eStatements through Online Banking.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.74%

ABCO Federal Credit Union Other Rates

Product Rate Points APY/APR Term View More
Primary Share - - 0.05%
Min Deposit $5
Min Balance $100
Details Your "Share Savings Account" establishes your ownership and membership at EdiFi Credit Union. As long as you maintain $5.00 in this account, you remain a member/owner of the credit union and are eligible to enjoy all the benefits. Plus, get your direct deposit up to 3 days early with any EdiFi deposit account! Earn interest on balances above $100 Unlimited access through online and mobile banking
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.74%

Financial Health History

ABCO Federal Credit Union’s Texas Ratio fell from 3.59% in Q2 2023 to 2.74% 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 — 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.

0% 1.0★ 1.5% 2.0★ 2.9% 3.0★ 4.4% 4.0★ 5.9% 5.0★ Healthy zone – entire history below the 15% limit 3.59% A+ Q2 2023 A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 2.74% A+ Q1 2026
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
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
March 31, 2026$259M2.74%5.0A+
December 31, 2025$254M1.87%5.0A+
September 30, 2025$253M2.36%5.0A+
June 30, 2025$256M3.15%5.0A+
March 31, 2025$251M1.32%5.0A+
December 31, 2024$248M1.40%5.0A+
September 30, 2024$240M2.88%5.0A+
June 30, 2024$251M3.49%5.0A+
March 31, 2024$255M4.05%5.0A+
December 31, 2023$247M3.86%5.0A+
September 30, 2023$251M4.37%5.0A+
June 30, 2023$257M3.59%5.0A+
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 ABCO 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 ABCO 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 ABCO Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name ABCO Federal Credit Union
Address 621 Beverly Rancocas Rd Ste 1H, Willingboro, NJ 08046-3727
Phone 800-225-1859
Fax 609-877-3490
President Mark Sedlock
CEO Jill Peterson
Full-Time Employees 70
Part-Time Employees 1
Branch Locations 7
ATM Locations 5
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
2.74%
Return on Assets (ROA)
0.0117%
Return on Equity (ROE)
0.1276%
Non-Performing Loans Ratio (NPL)
0.51%
Total Assets
258,684,795
Total Amount of Shares and Deposits
247,774,128
Total Shares and Deposits < 1 Year
234,249,900
Total Shares and Deposits 1 3 Years
10,206,510
Total Shares and Deposits > 3 Years
3,317,718
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
4,944,078
Total Uninsured Shares and Deposits > $250K (F+J)
4,944,078
Total Insured Shares and Deposits > $250K (item 17 less item K)
242,830,050
Total Interest Expense (Sum of items 6 8)
542,871
Share Certificates
1,307
Number of Accounts for Share Drafts
18,029
IRA KEOGH Accounts
228
Number of Accounts for Regular Shares
25,133
Money Market Shares
902
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)
57,240,982
Total Liabilities
240,891,502
Source: NCUA — Last Updated 03/31/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

ABCO 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.

<a href="https://monitorbankrates.com/credit-unions/abco-federal-credit-union-rates-review-12679">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews
0
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Frequently Asked Questions About ABCO Federal Credit Union

How many branches does ABCO Federal Credit Union operate?

ABCO 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 ABCO Federal Credit Union?

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

Does ABCO Federal Credit Union offer online and mobile banking?

Most modern institutions like ABCO 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: https://www.abcofcu.org.

Current ABCO Federal Credit Union Rates

  • 12-Month CD3.56%
  • Savings0.05%
Retrieved from our database of financial products. Rates subject to change.