Horses grazing in Abilene area field
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


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!

Group of counterfeit $100 bills

How to Spot a Counterfeit Bill

As printers and software have gotten more sophisticated, counterfeit money has gotten harder to spot. Check out this blog post for ways to determine if the bill you were just given is legit. If you’re passed a fake bill, get info about the passer, keep the bill safe and call the police. Continue reading
Alert Image on laptop computer

Fighting Identity Theft

Equifax, America's largest credit reporting agency, reported an enormous data breach in September 2017. More than 143 million Americans had their personal data compromised. Stolen information included names, addresses, birth dates, Social Security numbers, and, in some cases, driver's license numbers. Continue reading
Woman guarding her ATM while withdrawing cash at an ATM

ATM Safety Tips

Using an ATM has become a routine event for most consumers. The familiarity of the task can cause people to lose the sense of caution that normally accompanies handling cash. Take a look at this blog post for some tips to keep you and your information safe. Continue reading

Grab a higher rate and choose your term


Open an account in person
Find a location near you
Text Us

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.