
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
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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 S., member since 2011I 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!
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.

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.

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.

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.

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.

Compare Youth Account Options:
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Child’s Age at Account Opening
Child’s Age at Account Opening
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Parent is cosigner on account
Parent is cosigner on account
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Child earns Safari Bucks that are exchanged for prizes
Child earns Safari Bucks that are exchanged for prizes
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Child needs cosigner present to make deposits or withdrawals
Child needs cosigner present to make deposits or withdrawals
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Debit card available
Debit card available
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Child is eligible to apply for ATFCU scholarships
Child is eligible to apply for ATFCU scholarships
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Savings Safari Account
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Child’s Age at Account Opening
3-12 years. Child needs the ability to print his/her name
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Parent is cosigner on account
Yes
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Child earns Safari Bucks that are exchanged for prizes
Yes
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Child needs cosigner present to make deposits or withdrawals
Yes
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Debit card available
No
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Child is eligible to apply for ATFCU scholarships
No
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TUTMA Account
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Child’s Age at Account Opening
Birth through the age 20
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Parent is cosigner on account
Yes
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Child earns Safari Bucks that are exchanged for prizes
No
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Child needs cosigner present to make deposits or withdrawals
Yes
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Debit card available
No
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Child is eligible to apply for ATFCU scholarships
No
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Skills 4 Life Teen Account
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Child’s Age at Account Opening
13-18 years
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Parent is cosigner on account
Yes
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Child earns Safari Bucks that are exchanged for prizes
No
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Child needs cosigner present to make deposits or withdrawals
No
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Debit card available
Yes - at age 15
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Child is eligible to apply for ATFCU scholarships
Yes
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Current Savings Account Rates
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.

Teaching Children About Money

What to Do with Your First Paycheck
Start saving for your future today
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.