Credit union · NCUA insured
Austin Telco Federal Credit Union CD Rates
Top CarrotAustin Telco Federal Credit Union’s best CD rate is 4.42% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Austin Telco Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Austin, TX, where Austin Telco Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Austin Telco Federal Credit Union
4.22%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,296
Share Certificate
Top rate
First National Bank of Bastrop
5.00%APY
- Term
- 7 months
- Minimum
- $10,000
- Earns on $10,000
- $289
2nd-highest rate
Austin Capital Bank
4.58%APY
- Term
- 3 months
- Minimum
- $1,000
- Earns on $10,000
- $113
Austin Telco Federal Credit Union CD score
89
CD score
Higher than 89% of U.S. banks and credit unions
- 3–8 months3–8 mo3.91%
- 9–15 months9–15 mo4.01%
- 16–30 months16–30 mo4.06%
- 31–60 months31–60 mo4.22%
- QualifiedQualified4.22%
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.
Where Austin Telco Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificate
Up to 4.22%APY · 8 terms
Dividends are compounded and paid quarterly. Funds must remain on deposit for the term of the certificate or penalties apply: terms of 12 months or less - 90 days dividends; terms of over 12 months - 180 days dividends. Minimum balance requirements: $1,000 for regular certificates, $95,000 for Jumbo, and $225,000 for Super Jumbo.
| Term | APY · $1,000 – $94,999 | APY · $95,000 – $224,999 | APY · $225,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months | 3.91% | 4.01% | 4.11% | 3.91%4.01% $95k–$225k4.11% from $225k | $194 |
| 9 months | 3.96% | 4.06% | 4.16% | 3.96%4.06% $95k–$225k4.16% from $225k | $296 |
| 12 months | 4.01% | 4.11% | 4.22% | 4.01%4.11% $95k–$225k4.22% from $225k | $401 |
| 18 months | 4.06% | 4.16% | 4.27% | 4.06%4.16% $95k–$225k4.27% from $225k | $615 |
| 24 months | 4.06% | 4.16% | 4.27% | 4.06%4.16% $95k–$225k4.27% from $225k | $828 |
| 36 months | 4.11% | 4.22% | 4.32% | 4.11%4.22% $95k–$225k4.32% from $225k | $1,284 |
| 48 months | 4.16% | 4.27% | 4.37% | 4.16%4.27% $95k–$225k4.37% from $225k | $1,771 |
| 60 months | 4.22% | 4.32% | 4.42% | 4.22%4.32% $95k–$225k4.42% from $225k | $2,296 |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
True Youth Share Certificate
4.15%APY
Designed for members under 18 years old. Dividends paid monthly to the Member Savings Account. Additional deposits of $25+ allowed. One youth share certificate allowed per child's social security number. No monthly account/service fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Additional deposits of $25+ allowed. Dividends paid monthly to Member Savings Account.Up to $5,000 | 4.15% | — | Additional deposits of $25+ allowed. Dividends paid monthly to Member Savings Account. |
Who can join Austin Telco Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, attend school, or volunteer in Travis, Williamson, Hays, Bastrop, Caldwell, or Burnet County are eligible for membership.
Family and household
- Immediate relatives of eligible individuals are eligible to join.
Other ways
- Organizations associated with eligible individuals are eligible to join.
Cost to join
- A $5 deposit representing a share in the cooperative is required into a Regular Savings Account and must remain as a $5 minimum balance to keep membership open.
Membership information collected October 5, 2026.