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
For a limited time beginning January 2, 2025 we’ll be offering a Special 75th Anniversary Certificate. This is a 7-month certificate with a much higher APY (Annual Percentage Yield) than our regular rates. $500 is the minimum investment; $7,500 is the maximum. One certificate can be opened per member number.
Current Certificate Interest Rates
|
Term |
Min. to Open |
Dividend Rate |
APY* |
|---|---|---|---|
|
Term 3 Months |
Min. to Open $500 |
Dividend Rate 3.10% |
APY* 3.14% |
|
Term 6 Months |
Min. to Open $500 |
Dividend Rate 3.15% |
APY* 3.20% |
|
Term 12 Months |
Min. to Open $500 |
Dividend Rate 3.20% |
APY* 3.25% |
|
Term 18 Months |
Min. to Open $500 |
Dividend Rate 3.25% |
APY* 3.30% |
|
Term 24 Months |
Min. to Open $500 |
Dividend Rate 3.30% |
APY* 3.35% |
|
Terms |
Min. to Open |
Dividend Rate |
APY* |
|---|---|---|---|
|
Terms 3 Months |
Min. to Open $100,000 |
Dividend Rate 3.30% |
APY* 3.35% |
|
Terms 6 Months |
Min. to Open $100,000 |
Dividend Rate 3.35% |
APY* 3.40% |
|
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 3.45% |
APY* 3.51% |
|
Terms 24 Months |
Min. to Open $100,000 |
Dividend Rate 3.50% |
APY* 3.56% |
|
Term |
Amount |
Dividend Rate |
APY* |
|---|---|---|---|
|
Term 7 Months |
Amount $500 - $7,500 |
Dividend Rate 7.25% |
APY* 7.50% |
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
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!
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Grab a higher rate and choose your term
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 $25 minimum opening deposit. A valid photo ID must be presented at account opening.
Photo Credit: ‘Horses’ goes to Sandy Ibarra.