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	Min. to Open	Dividend Rate	APY*
Term 3 Months	Min. to Open $500	Dividend Rate 3.85%	APY* 3.92%
Term 6 Months	Min. to Open $500	Dividend Rate 3.80%	APY* 3.87%
Term 12 Months	Min. to Open $500	Dividend Rate 3.20%	APY* 3.25%
Term 18 Months	Min. to Open $500	Dividend Rate 3.15%	APY* 3.20%
Term 24 Months	Min. to Open $500	Dividend Rate 3.10%	APY* 3.14%

Jumbo Savings Certificates & IRA Certificates
Terms	Min. to Open	Dividend Rate	APY*
Terms 3 Months	Min. to Open $100,000	Dividend Rate 4.05%	APY* 4.13%
Terms 6 Months	Min. to Open $100,000	Dividend Rate 4.00%	APY* 4.07%
Terms 12 Months	Min. to Open $100,000	Dividend Rate 3.40%	APY* 3.45%
Terms 18 Months	Min. to Open $100,000	Dividend Rate 3.35%	APY* 3.40%
Terms 24 Months	Min. 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

Build or Rebuild Your Credit with Our Savings Secured Credit Card

Struggling to get credit? Our Savings Secured Credit Card helps you build credit responsibly with a 17.99% fixed rate. Your deposit secures the card and helps improve your score. Continue reading →

What’s the Best Way to Tackle Debt: Snowball or Avalanche Method?

Would you prefer an avalanche or a snowball? We’re talking about paying off your debt! In the snowball method, you pay off the smallest debt first, then move to the next smallest, etc. The avalanche method works the same way, but you take the debts in order of highest interest rate. Regardless of which option you choose, the point is to get started paying that debt off TODAY! Continue reading →

Is Debt Consolidation Right for Me?

If you’re stuck under a mountain of debt and making limited headway, debt consolidation might look like a great way out, and it can be! You can raise your credit score and simplify your life with one monthly payment; however, it doesn’t fix bad spending habits. You’ll have to guard against putting yourself back in the hole, and you might end up with a longer payment timeline. Continue reading →

Grab a higher rate and choose your term

Open an account in person

Find a location near you

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.