Savings Certificates

Guaranteed Rate of Return. Minimal Investment Required.

Put your money to work

Savings Certificates, often called CD’s, earn a higher interest rate than traditional savings or money market savings accounts. Collect that cash from your freezer, sock drawer, or mattress and put it in a safe place. We’re positive you’ll sleep better.

$500 minimum deposit
Competitive rates with dividends paid monthly
Terms from 3 to 24 months – rate is fixed for duration of the term
Savings certificates can be used to fund Individual Retirement Accounts (IRAs)
Jumbo interest rates are available for deposits of $100,000 or more

Current Certificate Interest Rates

Savings Certificates & IRA Certificates
Term	Minimum to Open	Dividend Rate	APY*
Term 3 Months	Minimum to Open $500	Dividend Rate 3.60%	APY* 3.66%
Term 6 Months	Minimum to Open $500	Dividend Rate 3.55%	APY* 3.61%
Term 12 Months	Minimum to Open $500	Dividend Rate 3.20%	APY* 3.25%
Term 18 Months	Minimum to Open $500	Dividend Rate 3.15%	APY* 3.20%
Term 24 Months	Minimum to Open $500	Dividend Rate 3.10%	APY* 3.14%

Jumbo Savings Certificates & IRA Certificates
Terms	Minimum to Open	Dividend Rate	APY*
Terms 3 Months	Minimum to Open $100,000	Dividend Rate 3.80%	APY* 3.87%
Terms 6 Months	Minimum to Open $100,000	Dividend Rate 3.75%	APY* 3.82%
Terms 12 Months	Minimum to Open $100,000	Dividend Rate 3.40%	APY* 3.45%
Terms 18 Months	Minimum to Open $100,000	Dividend Rate 3.35%	APY* 3.40%
Terms 24 Months	Minimum to Open $100,000	Dividend Rate 3.30%	APY* 3.35%


Term	Amount	Dividend Rate	APY*
Term	Amount	Dividend Rate	APY*

Friday the 13th was a lucky day after all with winning one of Abilene Teacher’s 13 $13 Chick-Fil-A gift cards. I love Abilene Teachers Federal Credit Union. –Manuela R., member for 20 years

Savings Calculators

See All Calculators

Certificate Questions

Yes! Your accounts with us are federally insured to at least $250,000 by the National Credit Union Association (NCUA).

Yes, if applicable. Please remember to keep the mailing address on your account updated.

Yes! You may open Special Savings accounts when you would like to keep your savings separate for something…you know, very important!

See All Savings FAQs

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Fraud Resources

Reporting Fraud Internet Crime Center (ic3) – This bureau is run by the FBI. Consumer reports assist them to investigate complex financial white collar and cyber-crimes. You’ll need to complete this step before contacting the credit reporting agencies. Federal Trade Commission – In addition to its fraud reporting function, this website also contains helpful information to help consumers avoid scams. … Continue reading →

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Phishing Emails

Phishing emails are still going strong because they still continue to work. Evolving technology, such as Chat GPT, makes them more believable and less error-prone. Successful email scams play on emotions to get you to send money or information. Joy (you’ve won something!) Fear (your bank account is locked and you must update your information) Desire to help others (Donate … Continue reading →

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Con Games Work

Sometimes, we have to be reminded that con artists – especially those using advanced technology – thrive because they win people’s trust. It’s right in the name. CON stands for confidence. Americans generally try to be helpful and friendly – just the sort of people con men (and women) are looking for. It’s possibly time to increase our wariness level … Continue reading →

Grab a higher rate and choose your term

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Text Us

(325) 677-2274

Call us

(325) 677-2274 or
(800) 677-6770

Disclosures

*APY = Annual Percentage Yield
Rates, programs, terms and conditions are subject to change without notice.
Early withdrawal fees and/or an interest rate deduction will apply to certificates redeemed prior to their maturity date.
ATFCU membership is required in order to purchase certificates of deposit. New members must first open a membership savings account with a $5 minimum opening deposit. A valid photo ID must be presented at account opening.

Photo Credit: ‘Horses’ goes to Sandy Ibarra.