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Abilene Teachers Federal Credit Union

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Abilene Teachers Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at Abilene Teachers Federal Credit Union?

Current rates for Abilene Teachers Federal Credit Union include: 12-Month CD: 3.14%, 18-Month CD: 3.40%, 24-Month CD: 3.66%, Savings: 2.63%

Q: What CD terms does Abilene Teachers Federal Credit Union offer?

Abilene Teachers Federal Credit Union CD rates are 3.14% APY for a 12 month CD, 4.35% APY for a 15 month CD, 3.40% APY for an 18 month CD, 3.66% APY for a 2 year CD and 3.92% APY for a 3 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Abilene Teachers Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 28, 2026

Abilene Teachers Federal Credit Union's 15 Month Savings CD rates are at 4.35%, Savings CD - 15 Month rates are at 4.15%, Savings CD - 36 month rates are at 3.92%, Savings CD - 24 month rates are at 3.66%, Savings CD - 18 month rates are at 3.40%. Abilene Teachers Federal Credit Union's savings rates are at 2.63%. Abilene Teachers Federal Credit Union's RV, Boat and Powersport Loan Rates are as low as 7.05%. Abilene Teachers Federal Credit Union's CD rates are 19% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Abilene Teachers Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.97%. Rates last updated and verified on 10/28/2026.

Abilene Teachers Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Abilene Teachers Federal Credit Union? Share your experience about Abilene Teachers Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Abilene Teachers Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.97%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Abilene Teachers Federal Credit Union
Antilley Road

3849 Antilley Rd
Abilene, TX 79606

https://www.abileneteachersfcu.org/

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Abilene Teachers Federal Credit Union CD Rates

Product	Rate	APY	Term
15 Month IRA Certificate	-	4.35%	15 Month
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 and over; Limited time 15 Month Certificate Special; IRA minimum opening deposit $500 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
15 Month Savings Certificate	-	4.35%	15 Month
Min Balance $100,000 Details Balance: $100,000 and over; Limited time 15 Month Certificate Special Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Jumbo Savings Certificate - 15 Month Certificate Special	4.27%	4.35%	15 Months
Min Deposit $100,000 Details Jumbo 15 Month Certificate Special; Dividend Rate 4.27% Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 4.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
15 Month IRA Certificate	-	4.15%	15 Month
Min Deposit $500 Min Balance $500 Details Balance: $500 - $99,999; Limited time 15 Month Certificate Special; IRA minimum opening deposit $500 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
15 Month Savings Certificate	-	4.15%	15 Month
Min Balance $500 Details Balance: $500 - $99,999; Limited time 15 Month Certificate Special Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Savings Certificate & IRA Certificate - 15 Month Certificate Special	4.07%	4.15%	15 Month
Min Deposit $500 Details Term: 15 Month Certificate Schedule; Dividend Rate 4.07%; APY* 4.15%; 15 Month Certificate Special, limited time: earn 4.15% APY* on amounts from $500 - $99,999; earn 4.35% APY* on amounts greater than $100,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Savings Certificate - 15 Month	4.07%	4.15%	15 Month
Min Deposit $500 Details Term: 15 Month Certificate Schedule Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
36 Month Jumbo Savings Certificates	4.05%	4.13%	36 Months
Min Deposit $100,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.13% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Savings Certificate & IRA Certificate - 36 month	3.85%	3.92%	36 Months
Min Deposit $500 Details Dividend Rate 3.85%; APY* 3.92% Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 3.82% → 3.92% ▲ 0.10 pts · high 3.92% / low 3.82% Oct 4, 20263.92%▲ from 3.82% Sep 14, 20263.82%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Savings Certificate - 36 month	3.85%	3.92%	36 Months
Min Deposit $500 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 3.92% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
24 Month Jumbo Savings Certificates	3.80%	3.87%	24 Months
Min Deposit $100,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.87% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Savings Certificate & IRA Certificate - 24 month	3.60%	3.66%	24 Months
Min Deposit $500 Details Dividend Rate 3.60%; APY* 3.66% Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 3.56% → 3.66% ▲ 0.10 pts · high 3.66% / low 3.56% Oct 4, 20263.66%▲ from 3.56% Sep 14, 20263.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Savings Certificate - 24 month	3.60%	3.66%	24 Months
Min Deposit $500 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 3.66% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
18 Month Jumbo Savings Certificates	3.55%	3.61%	18 Months
Min Deposit $100,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.61% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Savings Certificate & IRA Certificate - 18 month	3.35%	3.40%	18 Months
Min Deposit $500 Details Dividend Rate 3.35%; APY* 3.40% Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.40% ▲ 0.10 pts · high 3.40% / low 3.30% Oct 4, 20263.40%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Savings Certificate - 18 month	3.35%	3.40%	18 Months
Min Deposit $500 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 3.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
12 Month Jumbo Savings Certificates	3.30%	3.35%	12 Months
Min Deposit $100,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Savings Certificate & IRA Certificate - 12 month	3.10%	3.14%	12 Months
Min Deposit $500 Details Dividend Rate 3.10%; APY* 3.14% Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 3.04% → 3.14% ▲ 0.10 pts · high 3.14% / low 3.04% Oct 4, 20263.14%▲ from 3.04% Sep 14, 20263.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Savings Certificate - 12 month	3.10%	3.14%	12 Months
Min Deposit $500 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 3.14% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
6 Month Jumbo Savings Certificates	3.05%	3.09%	6 Months
Min Deposit $100,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.09% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Savings Certificate & IRA Certificate - 6 month	2.85%	2.89%	6 Months
Min Deposit $500 Details Dividend Rate 2.85%; APY* 2.89% Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 2.78% → 2.89% ▲ 0.11 pts · high 2.89% / low 2.78% Oct 4, 20262.89%▲ from 2.78% Sep 14, 20262.78%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Savings Certificate - 6 month	2.85%	2.89%	6 Months
Min Deposit $500 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 2.89% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
3 Month Jumbo Savings Certificates	2.80%	2.84%	3 Months
Min Deposit $100,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 2.84% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Savings Certificate & IRA Certificate - 3 month	2.60%	2.63%	3 Months
Min Deposit $500 Details Dividend Rate 2.60%; APY* 2.63% Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 2.53% → 2.63% ▲ 0.10 pts · high 2.63% / low 2.53% Oct 4, 20262.63%▲ from 2.53% Sep 14, 20262.53%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Savings Certificate - 3 month	2.60%	2.63%	3 Months
Min Deposit $500 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 2.63% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%

Abilene Teachers Federal Credit Union Savings Rates

Product	Rate	APY
Money Market Savings Account	2.60%	2.63%
Min Balance $100,000 Details Balance: $100,000 and Up; Minimum to Earn Interest: $2,500 Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 2.53% → 2.63% ▲ 0.10 pts · high 2.63% / low 2.53% Oct 8, 20262.63%▲ from 2.53% Sep 14, 20262.53%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Money Market Savings Account	2.35%	2.38%
Min Balance $75,000 Details Balance: $75,000 - $99,999.99; Minimum to Earn Interest: $2,500 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 2.38% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Money Market Savings Account	2.25%	2.27%
Min Balance $50,000 Details Balance: $50,000 - $74,999.99; Minimum to Earn Interest: $2,500 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 2.27% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Money Market Savings Account	2.05%	2.07%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99; Minimum to Earn Interest: $2,500 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 2.07% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Money Market Savings Account	1.95%	1.97%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99; Minimum to Earn Interest: $2,500 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 1.97% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Money Market Savings Account	1.85%	1.87%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99; Minimum to Earn Interest: $2,500 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 1.87% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
IRA Savings	0.80%	0.80%
Min Balance $10,000 Details Balance: $10,000 and Up Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 0.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
IRA Savings	0.65%	0.65%
Min Balance $1,000 Details Balance: $1,000 - $9,999.99 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 0.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Health Savings Account	0.55%	0.55%
Min Balance $10,000 Details Balance: $10,000 and up Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 0.45% → 0.55% ▲ 0.10 pts · high 0.55% / low 0.45% Oct 4, 20260.55%▲ from 0.45% Sep 14, 20260.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Health Savings Account	0.45%	0.45%
Min Balance $2,000 Details Balance: $2,000 - $9,999.99 Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 0.35% → 0.45% ▲ 0.10 pts · high 0.45% / low 0.35% Oct 4, 20260.45%▲ from 0.35% Sep 14, 20260.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
IRA Savings	0.45%	0.45%
Min Balance $100 Details Balance: $100 - $999.99 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 0.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Health Savings Account	0.35%	0.35%
Min Balance $1,000 Details Balance: $1,000 - $1,999.99 Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 0.25% → 0.35% ▲ 0.10 pts · high 0.35% / low 0.25% Oct 4, 20260.35%▲ from 0.25% Sep 14, 20260.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
IRA Savings	0.35%	0.35%
Min Balance $5 Details Balance: $5 - $99.99 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 0.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Savings Accounts	0.35%	0.35%
Min Deposit $5 Min Balance $1,000 Details Balance: $1,000 and Up Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 0.25% → 0.35% ▲ 0.10 pts · high 0.35% / low 0.25% Oct 4, 20260.35%▲ from 0.25% Sep 14, 20260.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Traditional Savings	0.35%	0.35%
Min Deposit $5 Min Balance $1,000 Details Balance: $1,000 and Up Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 0.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Savings Accounts	0.25%	0.25%
Min Deposit $5 Min Balance $100 Details Balance: $100 - $999.99 Last Updated 10/28/2026 Rate History 1 change since Sep 18, 2026 · 0.15% → 0.25% ▲ 0.10 pts · high 0.25% / low 0.15% Oct 4, 20260.25%▲ from 0.15% Sep 18, 20260.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Traditional Savings	0.25%	0.25%
Min Deposit $5 Min Balance $100 Details Balance: $100 - $999.99 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Savings Accounts	0.15%	0.15%
Min Deposit $5 Min Balance $5 Details Balance: $5 - $99.99 Last Updated 10/28/2026 Rate History 1 change since Sep 18, 2026 · 0.05% → 0.15% ▲ 0.10 pts · high 0.15% / low 0.05% Oct 4, 20260.15%▲ from 0.05% Sep 18, 20260.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Traditional Savings	0.15%	0.15%
Min Deposit $5 Min Balance $5 Details Balance: $5 - $99.99 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Money Market Savings Account	0.00%	0.00%
Min Balance $0 Details Balance: $0 - $2,499.99; Minimum to Earn Interest: $2,500 Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 2.50% → 2.60% ▲ 0.10 pts · high 2.60% / low 2.50% Oct 4, 20262.60%▲ from 2.50% Sep 14, 20262.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%

Abilene Teachers Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Savings Account	2.60%	2.63%
Min Balance $100,000 Details Balance: $100,000 and Up; Minimum to Earn Interest: $2,500 Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 2.53% → 2.63% ▲ 0.10 pts · high 2.63% / low 2.53% Oct 8, 20262.63%▲ from 2.53% Sep 14, 20262.53%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Money Market Savings Account	2.35%	2.38%
Min Balance $75,000 Details Balance: $75,000 - $99,999.99; Minimum to Earn Interest: $2,500 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 2.38% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Money Market Savings Account	2.25%	2.27%
Min Balance $50,000 Details Balance: $50,000 - $74,999.99; Minimum to Earn Interest: $2,500 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 2.27% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Money Market Savings Account	2.05%	2.07%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99; Minimum to Earn Interest: $2,500 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 2.07% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Money Market Savings Account	1.95%	1.97%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99; Minimum to Earn Interest: $2,500 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 1.97% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Money Market Savings Account	1.85%	1.87%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99; Minimum to Earn Interest: $2,500 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 1.87% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Money Market Savings Account	0.00%	0.00%
Min Balance $0 Details Balance: $0 - $2,499.99; Minimum to Earn Interest: $2,500 Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 2.50% → 2.60% ▲ 0.10 pts · high 2.60% / low 2.50% Oct 4, 20262.60%▲ from 2.50% Sep 14, 20262.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%

Abilene Teachers Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan - First Lien	-	-	6.25%	20 years
Details $300,000; APR range: 6.25% - 7.50%; Maximum loan term is 20 years; 0.50% discount for a 10 year loan and 0.25% discount for a 15 year loan Last Updated 10/28/2026 Rate History 1 change since Sep 17, 2026 · 6.00% → 6.25% ▲ 0.25 pts · high 6.25% / low 6.00% Sep 25, 20266.25%▲ from 6.00% Sep 17, 20266.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Home Equity Loan - First Lien to $299,999	-	-	6.50%	20 years
Details $100,000; APR range: 6.50% - 7.75%; Maximum loan term is 20 years; 0.50% discount for a 10 year loan and 0.25% discount for a 15 year loan Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 5.75% → 6.50% ▲ 0.75 pts · high 6.50% / low 5.75% Oct 12, 20266.50%▲ from 5.75% Sep 14, 20265.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Home Equity Loan - First Lien to $99,000	-	-	6.75%	20 years
Details $20,000; APR range: 6.75% - 8.00%; Maximum loan term is 20 years; 0.50% discount for a 10 year loan and 0.25% discount for a 15 year loan Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 6.00% → 6.75% ▲ 0.75 pts · high 6.75% / low 6.00% Oct 12, 20266.75%▲ from 6.00% Sep 14, 20266.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Home Equity Loan - 2nd Lien to $299,999	-	-	7.75%	20 years
Details $100,000; APR range: 7.75% - 9.00%; Maximum loan term is 20 years; 0.50% discount for a 10 year loan and 0.25% discount for a 15 year loan Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 7.00% → 7.75% ▲ 0.75 pts · high 7.75% / low 7.00% Oct 12, 20267.75%▲ from 7.00% Sep 14, 20267.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Home Equity Loan - 2nd Lien to $99,999	-	-	8.00%	20 years
Details $20,000; APR range: 8.00% - 9.25%; Maximum loan term is 20 years; 0.50% discount for a 10 year loan and 0.25% discount for a 15 year loan Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 7.25% → 8.00% ▲ 0.75 pts · high 8.00% / low 7.25% Oct 12, 20268.00%▲ from 7.25% Sep 14, 20267.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%

Abilene Teachers Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loans - Cars and Light Trucks	-	-	4.15%	1 - 84 months
Details Model Year: 2026; APR range as printed: 4.15%* to 15.40% Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 4.15% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Used Auto Loans - Cars and Light Trucks - Model Year 2024	-	-	4.15%	1 - 84 months
Details Model Year: 2024; Interest rate range: 4.15%* to 18.00% Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.15% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Used Auto Loans - Cars and Light Trucks - Model Year 2025	-	-	4.15%	1 - 84 months
Details Model Year: 2025; Interest rate range: 4.15%* to 18.00% Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.15% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Used Auto Loans - Cars and Light Trucks - Model Year 2023	-	-	4.40%	1 - 78 months
Details Model Year: 2023; Interest rate range: 4.40%* to 18.00% Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.40% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Used Auto Loans - Cars and Light Trucks - Model Year 2022	-	-	4.50%	1 - 72 months
Details Model Year: 2022; Interest rate range: 4.50%* to 18.00% Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Used Auto Loans - Cars and Light Trucks - Model Year 2021	-	-	4.60%	1 - 66 months
Details Model Year: 2021; Interest rate range: 4.60%* to 18.00% Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.60% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Used Auto Loans - Cars and Light Trucks - Model Year 2020	-	-	4.70%	1 - 60 months
Details Model Year: 2020; Interest rate range: 4.70%* to 18.00% Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.70% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Used Auto Loans - Cars and Light Trucks - Model Year 2019	-	-	4.80%	1 - 54 months
Details Model Year: 2019; Interest rate range: 4.80%* to 18.00% Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.80% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Used Auto Loans - Cars and Light Trucks - Model Year 2018	-	-	4.90%	1 - 48 months
Details Model Year: 2018; Interest rate range: 4.90%* to 18.00% Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.90% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Used Auto Loans - Cars and Light Trucks - Model Year 2017	-	-	5.00%	1 - 42 months
Details Model Year: 2017; Interest rate range: 5.00%* to 18.00% Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 5.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Used Auto Loans - Cars and Light Trucks - Model Year 2016	-	-	5.10%	1 - 36 months
Details Model Year: 2016; Interest rate range: 5.10%* to 18.00% Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 5.10% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Used Auto Loans - Cars and Light Trucks - Model Year 2015 - 2007	-	-	6.85%	1 - 36 months
Details Model Year: 2015 - 2007; Interest rate range: 6.85%* to 18.00% Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.85% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Other Vehicle Loans - Antique/Classic Autos	7.05%	-	7.05%	1 - 36 months
Details Range: 7.05% - 17.99% Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.05% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Other Vehicle Loans - Motorcycle, ATV, Personal Watercraft, Cargo Trailer- New only	7.05%	-	7.05%	1 - 60 months
Details Range: 7.05% - 17.99% Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.05% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Other Vehicle Loans - RVs - New (2026-2025)	7.35%	-	7.35%	1-84 months
Details Range: 7.35% - 17.99% Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.35% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Other Vehicle Loans - RVs - 2025 (used) -2024	7.60%	-	7.60%	1-78 months
Details Range: 7.60% - 17.99% Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 7.60% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Other Vehicle Loans - RVs 2023-2022	7.85%	-	7.85%	1-72 months
Details Range: 7.85% - 17.99% Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.85% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Other Vehicle Loans - RVs - 2021-2020	8.10%	-	8.10%	1-60 months
Details Range: 8.10% - 17.99% Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 8.10% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Other Vehicle Loans - RVs - new	8.35%	-	8.35%	73-120 months
Details over $55,000; Range: 8.35% - 17.99% Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 8.35% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Other Vehicle Loans - RVs- 2019-2018	8.35%	-	8.35%	1-48 months
Details Range: 8.35% - 17.99% Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 8.35% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Other Vehicle Loans - RVs - 2017-2016	8.60%	-	8.60%	1-42 months
Details Range: 8.60% - 17.99% Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 8.60% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Other Vehicle Loans - Boats - New 2027-2025	9.95%	-	9.95%	1-72 months
Details Range: 9.95% - 17.99% Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 9.95% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Other Vehicle Loans - Boats Used 2025-2024	10.45%	-	10.45%	1-72 months
Details Range: 10.45% - 17.99% Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 10.45% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Other Vehicle Loans - Boats Used 2023-2022	10.95%	-	10.95%	1-60 months
Details Range: 10.95% - 17.99% Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 10.95% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Other Vehicle Loans - Boats Used 2021-2020	11.45%	-	11.45%	1-54 months
Details Range: 11.45% - 17.99% Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 11.45% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Other Vehicle Loans - Boats Used 2019-2018	11.95%	-	11.95%	1-48 months
Details Range: 11.95% - 17.99% Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 11.95% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Other Vehicle Loans - Boats Used 2017-2016	12.45%	-	12.45%	1-36 months
Details Range: 12.45% - 17.99% Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 12.45% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%

Abilene Teachers Federal Credit Union Personal Loan Rates

Product	APR	Term
Other Vehicle Loans - Motorcycle, ATV, Personal Watercraft, Cargo Trailer- New only	7.05%	1 - 60 months
Details Range: 7.05% - 17.99% Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.05% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Personal Line of Credit	7.75%
Details Published APR range: 7.75% to 16.75%. Terms Up To: No Set Term; All rates are stated as APRs per page disclosures Last Updated 10/28/2026 Rate History No change since Sep 18, 2026 · 7.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Personal Signature Loan	10.00%	1-36 months
Details Published rate range: 10.00% to 17.99%. Personal Loan table; Interest Rates column Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 9.70% → 10.00% ▲ 0.30 pts · high 10.00% / low 9.70% Oct 4, 202610.00%▲ from 9.70% Sep 14, 20269.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Personal Signature Loan	11.00%	37 - 48 months
Details Published rate range: 11.00% to 16.10%. Personal Loan table; Interest Rates column Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 10.70% → 11.00% ▲ 0.30 pts · high 11.00% / low 10.70% Oct 4, 202611.00%▲ from 10.70% Sep 14, 202610.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Personal Signature Loan	12.00%	49 - 60 months
Details Published rate range: 12.00% to 14.10%. Personal Loan table; Interest Rates column Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 11.70% → 12.00% ▲ 0.30 pts · high 12.00% / low 11.70% Oct 4, 202612.00%▲ from 11.70% Sep 14, 202611.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%

Abilene Teachers Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Classic Card	-	-	10.24%
Details Rate range: 10.24% - 17.24% Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 10.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Credit Builder Loan	4.35%	-	4.35%	12 or 18 months
Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 4.25% → 4.35% ▲ 0.10 pts · high 4.35% / low 4.25% Oct 12, 20264.35%▲ from 4.25% Sep 14, 20264.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Rewards Card	-	-	14.24%
Details Rate range: 14.24% - 18.00% Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 14.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Coverdell Education Savings Account	0.35%	-	0.35%
Min Balance $5 Details Balance: $5 - $99.99 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 0.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Coverdell Education Savings Account	0.45%	-	0.45%
Min Balance $100 Details Balance: $100 - $999.99 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 0.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Coverdell Education Savings Account	0.65%	-	0.65%
Min Balance $1,000 Details Balance: $1,000 - $9,999.99 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 0.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Coverdell Education Savings Account	0.80%	-	0.80%
Min Balance $10,000 Details Balance: $10,000 and up Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 0.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Jumbo Savings Certificate - 12 Months	3.30%	-	3.35%	12 Months
Min Deposit $100,000 Details Jumbo certificate; Dividend Rate 3.30% Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Jumbo Savings Certificate - 18 Months	3.55%	-	3.61%	18 Months
Min Deposit $100,000 Details Jumbo certificate; Dividend Rate 3.55% Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.61% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Jumbo Savings Certificate - 24 Months	3.80%	-	3.87%	24 Months
Min Deposit $100,000 Details Jumbo certificate; Dividend Rate 3.80% Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.87% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Jumbo Savings Certificate - 3 Months	2.80%	-	2.84%	3 Months
Min Deposit $100,000 Details Jumbo certificate; Dividend Rate 2.80% Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 2.84% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Jumbo Savings Certificate - 36 Months	4.05%	-	4.13%	36 Months
Min Deposit $100,000 Details Jumbo certificate; Dividend Rate 4.05% Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 4.13% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Jumbo Savings Certificate - 6 Months	3.05%	-	3.09%	6 Months
Min Deposit $100,000 Details Jumbo certificate; Dividend Rate 3.05% Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.09% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Abilene Teachers Federal Credit Union’s Texas Ratio fell from 1.47% in Q3 2023 to 0.97% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$690M	0.97%	5.0	A+
March 31, 2026	$682M	0.38%	5.0	A+
December 31, 2025	$665M	0.96%	5.0	A+
September 30, 2025	$650M	0.90%	5.0	A+
June 30, 2025	$639M	1.02%	5.0	A+
March 31, 2025	$633M	0.59%	5.0	A+
December 31, 2024	$618M	1.57%	5.0	A+
September 30, 2024	$615M	1.69%	5.0	A+
June 30, 2024	$607M	1.68%	5.0	A+
March 31, 2024	$619M	1.27%	5.0	A+
December 31, 2023	$594M	1.43%	5.0	A+
September 30, 2023	$604M	1.47%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Abilene Teachers Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Abilene Teachers Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Abilene Teachers Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Abilene Teachers Federal Credit Union

Website https://www.abileneteachersfcu.org/

Address 3849 Antilley Rd, Abilene, TX 79606

Phone 325-677-2274

Fax 325-676-0515

President Royce Curtis

CEO James Boyd

Full-Time Employees 141

Part-Time Employees 5

Branch Locations 5

ATM Locations 4

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.97%

Return on Assets (ROA)

1.2814%

Return on Equity (ROE)

6.8086%

Non-Performing Loans Ratio (NPL)

0.31%

Total Assets

690,385,547

Total Amount of Shares and Deposits

546,951,765

Total Shares and Deposits < 1 Year

525,972,626

Total Shares and Deposits 1 3 Years

20,979,139

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

27,407,375

Total Uninsured Shares and Deposits > $250K (F+J)

27,407,375

Total Insured Shares and Deposits > $250K (item 17 less item K)

519,544,390

Total Interest Expense (Sum of items 6 8)

2,773,949

Share Certificates

2,038

Number of Accounts for Share Drafts

44,853

IRA KEOGH Accounts

1,076

Number of Accounts for Regular Shares

64,502

Money Market Shares

1,042

Net Income (unless the amount is already included in Undivided Earnings)

8,846,938

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

82,615,316

Total Liabilities

560,846,230

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Abilene Teachers Federal Credit Union earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About Abilene Teachers Federal Credit Union

Does Abilene Teachers Federal Credit Union offer CDs?

Yes. Abilene Teachers Federal Credit Union current CD rates include its 15 Month Savings CD at 4.35% APY, its Savings CD - 15 Month at 4.15% APY and its Savings CD - 36 month at 3.92% APY, verified by MonitorBankRates as of October 28, 2026.

Are CDs from Abilene Teachers Federal Credit Union NCUA insured?

Yes. Abilene Teachers Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Abilene Teachers Federal Credit Union?

The highest Abilene Teachers Federal Credit Union CD rate is its 15 Month IRA CD at 4.35% APY, verified by MonitorBankRates as of October 28, 2026.

What CD terms does Abilene Teachers Federal Credit Union offer?

Abilene Teachers Federal Credit Union CD rates are 3.14% APY for a 12 month CD, 4.35% APY for a 15 month CD, 3.40% APY for an 18 month CD, 3.66% APY for a 2 year CD and 3.92% APY for a 3 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Abilene Teachers Federal Credit Union for its full lineup.

What is the highest savings rate at Abilene Teachers Federal Credit Union?

The highest Abilene Teachers Federal Credit Union savings rate is its IRA Savings at 0.80% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest money market rate at Abilene Teachers Federal Credit Union?

The highest Abilene Teachers Federal Credit Union money market rate is its Money Market Savings Account at 2.63% APY, verified by MonitorBankRates as of October 28, 2026.

What is the lowest auto loan rate at Abilene Teachers Federal Credit Union?

The lowest Abilene Teachers Federal Credit Union auto loan rate is its New Auto Loans - Cars and Light Trucks at 4.15% APR, verified by MonitorBankRates as of October 28, 2026.

What is the lowest personal loan rate at Abilene Teachers Federal Credit Union?

The lowest Abilene Teachers Federal Credit Union personal loan rate is its Other Vehicle Loans - Motorcycle, ATV, Personal Watercraft, Cargo Trailer- New only at 7.05%, verified by MonitorBankRates as of October 28, 2026.

How many branches does Abilene Teachers Federal Credit Union operate?

Abilene Teachers Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Abilene Teachers Federal Credit Union?

Yes, to access services at Abilene Teachers Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Abilene Teachers Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Abilene Teachers Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Abilene Teachers Federal Credit Union offer online and mobile banking?

Most modern institutions like Abilene Teachers Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.abileneteachersfcu.org/.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Abilene Teachers Federal Credit Union rates compare?

Abilene Teachers Federal Credit Union's CD rates are 19% higher than the MonitorBankRates national average, and it has an A+ health rating. Abilene Teachers Federal Credit Union's top rates are its 15 Month IRA CD at 4.35% APY, its Money Market Savings Account at 2.63% APY and its Other Vehicle Loans - Motorcycle, ATV, Personal Watercraft, Cargo Trailer- New only at 7.05% APR, verified by MonitorBankRates on October 28, 2026.

Current Abilene Teachers Federal Credit Union Rates

12-Month CD3.14%
18-Month CD3.40%
24-Month CD3.66%
Savings2.63%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Abilene Teachers Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Abilene Teachers Federal Credit Union Texas Ratio

Abilene Teachers Federal Credit Union Health Trend

Abilene Teachers Federal Credit Union CD Rates

Abilene Teachers Federal Credit Union Savings Rates

Abilene Teachers Federal Credit Union Money Market Rates

Abilene Teachers Federal Credit Union Home Equity & HELOC

Abilene Teachers Federal Credit Union Auto Loan Rates

Abilene Teachers Federal Credit Union Personal Loan Rates

Abilene Teachers Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Abilene Teachers Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Abilene Teachers Federal Credit Union

Does Abilene Teachers Federal Credit Union offer CDs?

Are CDs from Abilene Teachers Federal Credit Union NCUA insured?

What is the highest CD rate at Abilene Teachers Federal Credit Union?

What CD terms does Abilene Teachers Federal Credit Union offer?

What is the highest savings rate at Abilene Teachers Federal Credit Union?

What is the highest money market rate at Abilene Teachers Federal Credit Union?

What is the lowest auto loan rate at Abilene Teachers Federal Credit Union?

What is the lowest personal loan rate at Abilene Teachers Federal Credit Union?

How many branches does Abilene Teachers Federal Credit Union operate?

Is a member application needed to join Abilene Teachers Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Abilene Teachers Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Abilene Teachers Federal Credit Union rates compare?

Current Abilene Teachers Federal Credit Union Rates

Compare to Other Credit Unions