Little girl reading in sculpture park
Savings Accounts

Saving Will Give You Both Roots and Wings

You set the goal; we’ll help you get there.


Save for financial security and for personal dreams.

Savings with benefits

  • You’re an Owner

    When you open a Regular Savings account you become an owner of the credit union. Pretty good deal for a $25 deposit.
  • No Monthly Fees

    You save and we’ll help. No annoying monthly or minimum balance fees to slow your progress.
  • Overdraft Transfer

    Mistakes happen. Set up overdraft transfer from savings to your checking account. Unlimited transfers with no transfer fee.
April Santiago

I became a member of the credit union when my husband and I joined accounts. I came from a large corporate bank, and the difference was a breath of fresh air! I’ve always felt welcomed and ‘a part of the family’ when I complete transactions at the credit union. They have helped us through everyday transactions, fraudulent transactions, auto loans and personal loan advice. I always advise people to go to Abilene Teachers!

April S., member since 2011

Regular Savings

Build a foundation

Build your savings and you’ll have options when you need them. Set a monthly goal and pay yourself first. Dividends on your account are paid quarterly1.

Saving targets for your family.

piggy bank and computer

Special Savings

Spread your wings

Open a special savings account when you’re saving for a specific purpose such as college, travel or Christmas gifts. If you have several different projects, you may choose to open multiple special accounts.

Budgeting for future goals.

business partners shipping packages

Youth accounts teach good financial habits


Open with a $5 deposit * No monthly service charge * Dividends earned at current ATFCU rates1

Savings Safari Club

Have fun saving

  • For children ages 3 to 12
  • Child receives a membership card, passbook, savings bank and an activity booklet at account opening.
  • For each $5 saved, a Safari Buck is awarded. Bucks can be redeemed for prizes in our lobby locations.
  • These accounts transition to youth accounts on the child’s 13th birthday.
Toddler in giraffe costume feeding a giraffe at Abilene Zoo

TUTMA Account (Texas Uniform Gift to Minors)

Make a gift to a child or grandchild

  • Specialized savings account set up for a minor by a member older than 21 who serves as the account custodian.
  • The custodian retains full control of the account until the minor turns 21.
  • A TUTMA account can be converted to a Savings Safari or Skills for Life account by the custodian.
children visiting grandparents

Skills 4 Life Teen Accounts

Earn & spend with oversight

  • Gradually enables your child to assume financial responsibility.
  • Teens can open a checking account at age 15. (A cosigner is needed until age 18.)
  • With a co-signer, teens aged 16+ can apply for loans and/or low limit credit cards.
  • This account guarantees eligibility for ATFCU’s scholarship program.
barista making coffee

Compare Youth Account Options:

  • Child’s Age at Account Opening

    Child’s Age at Account Opening

  • Parent is cosigner on account

    Parent is cosigner on account

  • Child earns Safari Bucks that are exchanged for prizes

    Child earns Safari Bucks that are exchanged for prizes

  • Child needs cosigner present to make deposits or withdrawals

    Child needs cosigner present to make deposits or withdrawals

  • Debit card available

    Debit card available

  • Child is eligible to apply for ATFCU scholarships

    Child is eligible to apply for ATFCU scholarships

Savings Safari Account

  • Child’s Age at Account Opening

    3-12 years. Child needs the ability to print his/her name

  • Parent is cosigner on account

    Yes

  • Child earns Safari Bucks that are exchanged for prizes

    Yes

  • Child needs cosigner present to make deposits or withdrawals

    Yes

  • Debit card available

    No

  • Child is eligible to apply for ATFCU scholarships

    No

TUTMA Account

  • Child’s Age at Account Opening

    Birth through the age 20

  • Parent is cosigner on account

    Yes

  • Child earns Safari Bucks that are exchanged for prizes

    No

  • Child needs cosigner present to make deposits or withdrawals

    Yes

  • Debit card available

    No

  • Child is eligible to apply for ATFCU scholarships

    No

Skills 4 Life Teen Account

  • Child’s Age at Account Opening

    13-18 years

  • Parent is cosigner on account

    Yes

  • Child earns Safari Bucks that are exchanged for prizes

    No

  • Child needs cosigner present to make deposits or withdrawals

    No

  • Debit card available

    Yes - at age 15

  • Child is eligible to apply for ATFCU scholarships

    Yes

Youth accounts can be opened in our lobby locations or online. TUTMA accounts will need to be opened in a lobby location.

Current Savings Account Rates

Savings Accounts

Balance

Min. to Open

Rate

APY*

Balance

Savings with Balance of $25 - $100

Min. to Open

$25.00

Rate

0.010%

APY*

0.010%

Balance

Savings with Balance of $101 - $1,000

Min. to Open

$25.00

Rate

0.020%

APY*

0.020%

Balance

Savings with Balance of $1,001+

Min. to Open

$25.00

Rate

0.050%

APY*

0.050%

Savings Calculators

Savings FAQs

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

  • $25 initial deposit
  • Government Issued Photo ID
  • Social Security Number
  • Physical address must match ID. If it does not, please be prepared to furnish proof of address.

Yes. Please bring his/her social security card (or a clear copy) with you for account opening.

Dad Teaching Daughter About Saving

Teaching Children About Money

Part of bringing up children today is giving them all the tools they need to survive and do well in the world and environment in which they live. That means helping them understand the value of and the concepts of earning, using, saving and investing money. Continue reading
Three women at table discussing results

What to Do with Your First Paycheck

You just got your first real paycheck! Before you book that flight to Vegas, though, it’s time to get real with how you’ll spend it. Start socking away money for your emergency fund (3-6 months’ worth of expenses) and put some in your savings account at ATFCU. Continue reading

Start saving for your future today

Open an account in person
Find a location near you
Open an account online
Get started

Disclosures

1Dividends accrue daily and are paid quarterly
2Dividend rate is based upon account balance. Please see our Rates page for details.

In compliance with the 2001 Patriot Act we will verify your identity when opening an account. Please remember to bring your Social Security number along with your driver’s license, United States passport or state ID card.