Abilene Teachers Federal Credit Union Savings & Money Market Rates

How Abilene Teachers Federal Credit Union’s savings rates compare

Compared with banks and credit unions near Abilene, TX, where Abilene Teachers Federal Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
Abilene Teachers Federal Credit Union
1.97%APY
Earns on $10,000 a year
$197
Money Market Savings Account
Top rate
Communities of Abilene Federal Credit Union
3.75%APY
Earns on $10,000 a year
$375
Communities of Abilene Federal Credit Union rates
2nd-highest rate
UMB Bank
3.71%APY
Earns on $10,000 a year
$371
UMB Bank rates

Compare savings rates near you →

Savings score

Higher than 87% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.35%
$10,000 balance$10,0001.97%
$100,000 balance$100,0002.63%
QualifiedQualified1.97%

Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.

How the score works →

Where Abilene Teachers Federal Credit Union ranks

By savings score, in each area where it has branches

Every rate

Current savings rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Money Market Savings Account

1.97%APY

Minimum balance to earn interest is $2,500.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $2,500Minimum to earn interest is $2,500.	0.00%	—	Minimum to earn interest is $2,500.
$2,500 – $10,000Minimum to earn interest is $2,500.	1.87%	—	Minimum to earn interest is $2,500.
$10,000 – $25,000Minimum to earn interest is $2,500.	1.97%	$197	Minimum to earn interest is $2,500.
$25,000 – $50,000Minimum to earn interest is $2,500.	2.07%	—	Minimum to earn interest is $2,500.
$50,000 – $75,000Minimum to earn interest is $2,500.	2.27%	—	Minimum to earn interest is $2,500.
$75,000 – $100,000Minimum to earn interest is $2,500.	2.38%	—	Minimum to earn interest is $2,500.
$100,000 and upMinimum to earn interest is $2,500.	2.63%	—	Minimum to earn interest is $2,500.

Sources (1)

abileneteachersfcu.org/checkin…y-market-savings-account · captured Oct 6, 2026

Traditional Savings Account

0.35%APY$5 to open

Establishes membership at ATFCU. Dividends accrue daily and are paid quarterly. No monthly or minimum balance fees. Overdraft transfer available from savings to checking with no fee.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $100Dividends accrue daily and are paid quarterly.	0.15%	—	Dividends accrue daily and are paid quarterly.
$100 – $1,000Dividends accrue daily and are paid quarterly.	0.25%	—	Dividends accrue daily and are paid quarterly.
$1,000 and upDividends accrue daily and are paid quarterly.	0.35%	$35	Dividends accrue daily and are paid quarterly.

Sources (3)

All captured Oct 16, 2026

Special-purpose accounts

Coverdell Education Savings Accounts

0.80%APYIRA

Establish the account and designate the beneficiary.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $100	0.35%	—
$100 – $1,000	0.45%	—
$1,000 – $10,000	0.65%	—
$10,000 and up	0.80%	$80

Sources (2)

All captured Oct 16, 2026

Individual Retirement Accounts (IRAs)

0.80%APYIRA$100 to open

Can be funded with cash (savings) with a $100 minimum deposit or by investing in IRA Certificates ($500 minimum). Available as Traditional IRA or Roth IRA wrappers. Contribution limits: 2026 - $7,500 under 50, $8,600 age 50+; 2027 - $7,500 under 50, $8,600 age 50+.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $100	0.35%	—
$100 – $1,000	0.45%	—
$1,000 – $10,000	0.65%	—
$10,000 and up	0.80%	$80

Sources (3)

All captured Oct 16, 2026

Health Savings Account

0.55%APYHSA

Save for anticipated medical expenses.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
$1,000 – $2,000	0.35%	—
$2,000 – $10,000	0.45%	—
$10,000 and up	0.55%	$55

Sources (2)

All captured Oct 16, 2026

Savings Safari

0.35%APYKids and teens$5 to open

For children from birth to age 12. At age 5, child completes a signature card and receives a gift bag. Members 5 and older receive a Safari Buck for each $5 saved when present at deposit. Parent or grandparent is a cosigner. Cosigner needed present to make deposits or withdrawals. Transitions to teen account at age 13. Dividends accrue daily and are paid quarterly.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $100Dividends accrue daily and are paid quarterly.	0.15%	—	Dividends accrue daily and are paid quarterly.
$100 – $1,000Dividends accrue daily and are paid quarterly.	0.25%	—	Dividends accrue daily and are paid quarterly.
$1,000 and upDividends accrue daily and are paid quarterly.	0.35%	$35	Dividends accrue daily and are paid quarterly.

Sources (2)

All captured Oct 16, 2026

Skills for Life Teen Account

0.35%APYKids and teens$5 to open

Child's age at opening: 13-18 years. Parent or grandparent is a cosigner on the account. Child does not need cosigner present to make deposits or withdrawals. Debit card available at 15 with valid state-issued ID. Checking accounts available at age 15 with state ID (parent/guardian co-owner required until 18). Teens aged 16+ can apply for loans and/or low-limit credit cards with co-signer. Guarantees eligibility for ATFCU scholarship program if opened by qualifying date. Dividends accrue daily and are paid quarterly.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $100Dividends accrue daily and are paid quarterly.	0.15%	—	Dividends accrue daily and are paid quarterly.
$100 – $1,000Dividends accrue daily and are paid quarterly.	0.25%	—	Dividends accrue daily and are paid quarterly.
$1,000 and upDividends accrue daily and are paid quarterly.	0.35%	$35	Dividends accrue daily and are paid quarterly.

Sources (2)

All captured Oct 16, 2026

Texas Uniform Gift to Minors (TUTMA)

0.35%APYKids and teens$5 to open

Specialized savings account set up for a minor (birth through age 20) by a member older than 21 serving as account custodian. Custodian retains full control until minor turns 21. Cosigner needed present to make deposits or withdrawals. Eligible to apply for ATFCU scholarships. Can be converted to Savings Safari or Skills for Life account by custodian. Dividends accrue daily and are paid quarterly.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $100Dividends accrue daily and are paid quarterly.	0.15%	—	Dividends accrue daily and are paid quarterly.
$100 – $1,000Dividends accrue daily and are paid quarterly.	0.25%	—	Dividends accrue daily and are paid quarterly.
$1,000 and upDividends accrue daily and are paid quarterly.	0.35%	$35	Dividends accrue daily and are paid quarterly.

Sources (2)

All captured Oct 16, 2026

Who can join Abilene Teachers Federal Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Family and household

Family members of current ATFCU members are eligible for membership.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details

← Abilene Teachers Federal Credit Union overview

How Abilene Teachers Federal Credit Union’s savings rates compare

Abilene Teachers Federal Credit Union savings score

Current savings rates

Money Market Savings Account

Traditional Savings Account

Special-purpose accounts

Coverdell Education Savings Accounts

Individual Retirement Accounts (IRAs)

Health Savings Account

Savings Safari

Skills for Life Teen Account

Texas Uniform Gift to Minors (TUTMA)

Who can join Abilene Teachers Federal Credit Union

Family and household