Credit union · NCUA insured
Austin Telco Federal Credit Union Savings Rates
Top CarrotAustin Telco Federal Credit Union’s best savings rate is 0.25% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Austin Telco Federal Credit Union’s savings 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
0.25%APY
- Requires
- None
- Minimum
- $50
- Earns on $10,000 a year
- $25
Money Market
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
Nizari Credit Union
4.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $400
Austin Telco Federal Credit Union savings score
71
Savings score
Higher than 28% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.40%
- QualifiedQualified0.25%
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 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
0.25%APY
A minimum deposit of $50 is required to open this account. A daily balance of $2,000 is required to obtain the Annual Percentage Yield for the monthly dividend period. Dividends are compounded and paid monthly. No monthly service fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,000A minimum deposit of $50 is required to open this account. A daily balance of $2,000 is required to obtain the Annual Percentage Yield for the monthly dividend period. Dividends are compounded and paid monthly. No monthly service fee. | 0.00% | — | A minimum deposit of $50 is required to open this account. A daily balance of $2,000 is required to obtain the Annual Percentage Yield for the monthly dividend period. Dividends are compounded and paid monthly. No monthly service fee. |
| $2,000 – $24,999A minimum deposit of $50 is required to open this account. A daily balance of $2,000 is required to obtain the Annual Percentage Yield for the monthly dividend period. Dividends are compounded and paid monthly. No monthly service fee. | 0.25% | $25 | A minimum deposit of $50 is required to open this account. A daily balance of $2,000 is required to obtain the Annual Percentage Yield for the monthly dividend period. Dividends are compounded and paid monthly. No monthly service fee. |
| $25,000 – $74,999A minimum deposit of $50 is required to open this account. A daily balance of $2,000 is required to obtain the Annual Percentage Yield for the monthly dividend period. Dividends are compounded and paid monthly. No monthly service fee. | 0.35% | — | A minimum deposit of $50 is required to open this account. A daily balance of $2,000 is required to obtain the Annual Percentage Yield for the monthly dividend period. Dividends are compounded and paid monthly. No monthly service fee. |
| $75,000 – $124,999A minimum deposit of $50 is required to open this account. A daily balance of $2,000 is required to obtain the Annual Percentage Yield for the monthly dividend period. Dividends are compounded and paid monthly. No monthly service fee. | 0.40% | — | A minimum deposit of $50 is required to open this account. A daily balance of $2,000 is required to obtain the Annual Percentage Yield for the monthly dividend period. Dividends are compounded and paid monthly. No monthly service fee. |
| $125,000 – $499,999A minimum deposit of $50 is required to open this account. A daily balance of $2,000 is required to obtain the Annual Percentage Yield for the monthly dividend period. Dividends are compounded and paid monthly. No monthly service fee. | 0.50% | — | A minimum deposit of $50 is required to open this account. A daily balance of $2,000 is required to obtain the Annual Percentage Yield for the monthly dividend period. Dividends are compounded and paid monthly. No monthly service fee. |
| $500,000 – $999,999A minimum deposit of $50 is required to open this account. A daily balance of $2,000 is required to obtain the Annual Percentage Yield for the monthly dividend period. Dividends are compounded and paid monthly. No monthly service fee. | 0.80% | — | A minimum deposit of $50 is required to open this account. A daily balance of $2,000 is required to obtain the Annual Percentage Yield for the monthly dividend period. Dividends are compounded and paid monthly. No monthly service fee. |
| $1,000,000 and upA minimum deposit of $50 is required to open this account. A daily balance of $2,000 is required to obtain the Annual Percentage Yield for the monthly dividend period. Dividends are compounded and paid monthly. No monthly service fee. | 0.95% | — | A minimum deposit of $50 is required to open this account. A daily balance of $2,000 is required to obtain the Annual Percentage Yield for the monthly dividend period. Dividends are compounded and paid monthly. No monthly service fee. |
Savings Account
0.10%APY
A minimum deposit of $5 must be maintained. Par value of one share is $5.00 (1 share required). Dividends are compounded and paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100Tier below $100. | 0.00% | — | Tier below $100. |
| $100 and upAn average daily balance of $100 is required to obtain the Annual Percentage Yield for the monthly dividend period. | 0.10% | $10 | An average daily balance of $100 is required to obtain the Annual Percentage Yield for the monthly dividend period. |
Special-purpose accounts
HSA Savings Account
0.40%APY
Must be an eligible individual covered under a high deductible health plan (HDHP). Additions to principal can be made at any time up to maximum annual contribution. No penalties from Credit Union for early withdrawal, but IRS rules/penalties may apply.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.40% | $40 |
Sources (3)
All captured Sep 17, 2026
IRA Savings Account
0.40%APY
Additions to principal can be made at any time up to the maximum contribution allowed per year by law. No penalties from Credit Union for early withdrawal; IRS limitations and/or penalties may apply.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.40% | $40 |
Sources (3)
All captured Sep 17, 2026
True Youth Savings
0.10%APY
Must be less than 18 years of age to open the account. Once the account holder reaches age 18, the account converts to a regular Savings Account. $5 minimum balance required. Dividends compounded and paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100 | 0.00% | — | |
| $100 and upAn average daily balance of $100 is required to obtain the Annual Percentage Yield for the monthly dividend period. | 0.10% | $10 | An average daily balance of $100 is required to obtain the Annual Percentage Yield for the monthly dividend period. |
Sources (2)
All captured Sep 17, 2026
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.