Horses grazing in Abilene area field
Savings Certificates

Guaranteed Rate of Return. Minimal Investment Required.

Put your money to work


Effective July 3, 2024 – we have significantly raised our interest rates on 6-month certificates. Please see rate tables below.  This is a limited time offer, so contact a Member Services representative today! 

Certificates 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
  • Can be used to fund Individual Retirement Accounts (IRAs)
  • Jumbo rates 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

3.25%

APY*

3.30%

Term

6 Months 

Min. to Open

$500

Dividend Rate

5.84% 

APY*

6.00%

Term

12 Month 

Min. to Open

$500

Dividend Rate

3.35%

APY*

3.40%

Term

18 Month 

Min. to Open

$500

Dividend Rate

3.40%

APY*

3.45%

Term

24 Month 

Min. to Open

$500

Dividend Rate

3.45%

APY*

3.51%

Jumbo Savings Certificates & IRA Certificates

Terms

Min. to Open

Dividend Rate

APY*

Terms

3 Months

Min. to Open

$100,000

Dividend Rate

3.45%

APY*

3.51%

Terms

6 Month

Min. to Open

$100,000

Dividend Rate

6.04% 

APY*

6.21%

Terms

12 Month 

Min. to Open

$100,000

Dividend Rate

3.55% 

APY*

3.61%

Terms

18 Month 

Min. to Open

$100,000

Dividend Rate

3.60% 

APY*

3.66%

Terms

24 Month 

Min. to Open

$100,000

Dividend Rate

3.65% 

APY*

3.71%

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!

Man holding iPhone to make a contactless payment at check out

Use Your ATFCU Debit & Credit Cards with Mobile Wallets

ATFCU debit and credit cards are compatible with Apple Pay, Samsung Pay and Google Pay.  Use the steps below to add the card(s) you select to your digital wallet. Apple Pay – card setup  In the Apple Wallet app on your iPhone, tap the + icon to add a new card. Select the ‘Debit or Credit Card’ option. Follow the … Continue reading

Grab a higher rate and choose your term


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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.