What are the current interest rates at Austin Telco Federal Credit Union?

Current rates for Austin Telco Federal Credit Union include: 12-Month CD: 4.01%, 18-Month CD: 4.06%, 24-Month CD: 4.06%, 60-Month CD: 4.22%, Savings: 0.40%, MMA: 0.95%

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Austin Telco Federal Credit Union

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Austin Telco Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

Austin Telco Federal Credit Union's top rates as of October 12, 2026 are 4.42% APY on its 60-Month Super Jumbo CD, 0.40% APY on savings, 0.95% APY on money market accounts, 5.00% APY on checking, personal loans from 9.90% APR, and credit cards from 9.90% APR, according to rates verified by MonitorBankRates. Other Austin Telco Federal Credit Union CD rates include 48-Month Super Jumbo CD at 4.37%, 36-Month Super Jumbo CD at 4.32%, and 60-Month Jumbo CD at 4.32%. MonitorBankRates evaluates the financial stability of Austin Telco Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.81%. Rates last updated and verified on 10/12/2026.

Austin Telco 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 Austin Telco Federal Credit Union? Share your experience about Austin Telco Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Austin Telco Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.81%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Austin Telco Federal Credit Union
Balcones Centre

11149 Research Blvd
Austin, TX 78759

https://www.atfcu.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.

Austin Telco Federal Credit Union CD Rates

Product	Rate	APY	Term
60-Month Super Jumbo Certificate	4.35%	4.42%	60 months
Min Deposit $225,000 Min Balance $225,000 Details Balance: $225,000 or greater Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 4.27% → 4.42% ▲ 0.15 pts · high 4.42% / low 4.27% Oct 4, 20264.42%▲ from 4.27% Sep 14, 20264.27%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
48-Month Super Jumbo Certificate	4.30%	4.37%	48 months
Min Deposit $225,000 Min Balance $225,000 Details Balance: $225,000 or greater Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 4.22% → 4.37% ▲ 0.15 pts · high 4.37% / low 4.22% Oct 4, 20264.37%▲ from 4.22% Sep 14, 20264.22%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
36-Month Super Jumbo Certificate	4.25%	4.32%	36 months
Min Deposit $225,000 Min Balance $225,000 Details Balance: $225,000 or greater Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 4.16% → 4.32% ▲ 0.16 pts · high 4.32% / low 4.16% Oct 4, 20264.32%▲ from 4.16% Sep 14, 20264.16%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
60-Month Jumbo Certificate	4.25%	4.32%	60 months
Min Deposit $95,000 Min Balance $95,000 Details Balance: $95,000 to $224,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 4.32% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
18-Month Super Jumbo Certificate	4.20%	4.27%	18 months
Min Deposit $225,000 Min Balance $225,000 Details Balance: $225,000 or greater Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 4.11% → 4.27% ▲ 0.16 pts · high 4.27% / low 4.11% Oct 4, 20264.27%▲ from 4.11% Sep 14, 20264.11%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
24-Month Super Jumbo Certificate	4.20%	4.27%	24 months
Min Deposit $225,000 Min Balance $225,000 Details Balance: $225,000 or greater Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 4.11% → 4.27% ▲ 0.16 pts · high 4.27% / low 4.11% Oct 4, 20264.27%▲ from 4.11% Sep 14, 20264.11%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
48-Month Jumbo Certificate	4.20%	4.27%	48 months
Min Deposit $95,000 Min Balance $95,000 Details Balance: $95,000 to $224,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 4.27% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
12-Month Super Jumbo Certificate	4.15%	4.22%	12 months
Min Deposit $225,000 Min Balance $225,000 Details Balance: $225,000 or greater Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 4.06% → 4.22% ▲ 0.16 pts · high 4.22% / low 4.06% Oct 4, 20264.22%▲ from 4.06% Sep 14, 20264.06%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
36-Month Jumbo Certificate	4.15%	4.22%	36 months
Min Deposit $95,000 Min Balance $95,000 Details Balance: $95,000 to $224,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 4.22% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
60-Month Share Certificate	4.15%	4.22%	60 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 to $94,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 4.22% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
18-Month Jumbo Certificate	4.10%	4.16%	18 months
Min Deposit $95,000 Min Balance $95,000 Details Balance: $95,000 to $224,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 4.16% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
24-Month Jumbo Certificate	4.10%	4.16%	24 months
Min Deposit $95,000 Min Balance $95,000 Details Balance: $95,000 to $224,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 4.16% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
48-Month Share Certificate	4.10%	4.16%	48 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 to $94,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 4.16% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
9-Month Super Jumbo Certificate	4.10%	4.16%	9 months
Min Deposit $225,000 Min Balance $225,000 Details Balance: $225,000 or greater Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.91% → 4.16% ▲ 0.25 pts · high 4.16% / low 3.91% Oct 4, 20264.16%▲ from 3.91% Sep 14, 20263.91%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
12-Month Jumbo Certificate	4.05%	4.11%	12 months
Min Deposit $95,000 Min Balance $95,000 Details Balance: $95,000 to $224,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 4.11% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
36-Month Share Certificate	4.05%	4.11%	36 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 to $94,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 4.11% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
6-Month Super Jumbo Certificate	4.05%	4.11%	6 months
Min Deposit $225,000 Min Balance $225,000 Details Balance: $225,000 or greater Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.85% → 4.11% ▲ 0.26 pts · high 4.11% / low 3.85% Oct 4, 20264.11%▲ from 3.85% Sep 14, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
18-Month Share Certificate	4.00%	4.06%	18 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 to $94,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 4.06% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
24-Month Share Certificate	4.00%	4.06%	24 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 to $94,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 4.06% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
9-Month Jumbo Certificate	4.00%	4.06%	9 months
Min Deposit $95,000 Min Balance $95,000 Details Balance: $95,000 to $224,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 4.06% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
12-Month Share Certificate	3.95%	4.01%	12 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 to $94,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 4.01% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
6-Month Jumbo Certificate	3.95%	4.01%	6 months
Min Deposit $95,000 Min Balance $95,000 Details Balance: $95,000 to $224,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 4.01% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
9-Month Share Certificate	3.90%	3.96%	9 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 to $94,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 3.96% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
6-Month Share Certificate	3.85%	3.91%	6 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 to $94,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 3.91% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%

Austin Telco Federal Credit Union Savings Rates

Product	Rate	APY
HSA Savings Account	0.40%	0.40%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
IRA Savings Account	0.40%	0.40%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Savings Account	0.10%	0.10%
Min Deposit $5 Min Balance $100 Details Starter Savings: Open an account with just $5 and earn 0.10% APY if you maintain an average daily balance of $100 or more. Balance: $100 or Greater Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
True Youth Savings Account	0.10%	0.10%
Min Deposit $5 Min Balance $100 Details Balance: $100 or greater Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%

Austin Telco Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Accounts	0.95%	0.95%
Min Balance $1,000,000 Details Balance: $1,000,000 or greater; Money Market Accounts: Tiered rates and greater dividends for higher deposits. Balance: $1,000,000 or greater Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.95% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Money Market Accounts	0.80%	0.80%
Min Balance $500,000 Details Money Market Accounts: Tiered rates and greater dividends for higher deposits. Balance: $500,000 to $999,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Money Market Accounts	0.50%	0.50%
Min Balance $125,000 Details Money Market Accounts: Tiered rates and greater dividends for higher deposits. Balance: $125,000 to $499,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Money Market Accounts	0.40%	0.40%
Min Balance $75,000 Details Money Market Accounts: Tiered rates and greater dividends for higher deposits. Balance: $75,000 to $124,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Money Market Accounts	0.35%	0.35%
Min Balance $25,000 Details Money Market Accounts: Tiered rates and greater dividends for higher deposits. Balance: $25,000 to $74,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Money Market Accounts	0.25%	0.25%
Min Balance $2,000 Details Money Market Accounts: Tiered rates and greater dividends for higher deposits. Balance: $2,000 to $24,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%

Austin Telco Federal Credit Union Checking Rates

Product	Rate	APY
True Earnings Checking	4.89%	5.00%
Min Deposit $150 Min Balance $0 Details Qualifications Required: 1,500 in New Money; 15 qualifying debit card transactions; $150 minimum opening deposit; Qualifications Met; Balance: $0.01 - $15,000.00 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 5.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
HSA Checking Account	0.05%	0.05%
Min Balance $1,500 Details Balance: $1,500.00 or greater Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
True Checking	0.05%	0.05%
Min Balance $1,500 Details Balance: $1,500.00 or greater Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
True Earnings Checking	0.05%	0.05%
Min Deposit $150 Min Balance $15,000 Details Qualifications Required: 1,500 in New Money; 15 qualifying debit card transactions; $150 minimum opening deposit; Qualifications Met; Balance: $15,000.01 or greater Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
True Youth Checking Account	0.05%	0.05%
Min Balance $1,500 Details Balance: $1,500.00 or greater Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%

Austin Telco Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loans	-	-	5.39%	60 Months
Details Term: 60 Months - 360 Months; Published APR range: 5.39%-6.99%. As Low As; Tier Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 5.14% → 5.39% ▲ 0.25 pts · high 5.39% / low 5.14% Oct 2, 20265.39%▲ from 5.14% Sep 14, 20265.14%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Home Equity Second-Lien	-	-	5.69%	5 Years Fixed
Details As Low As; Tier Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 5.44% → 5.69% ▲ 0.25 pts · high 5.69% / low 5.44% Oct 2, 20265.69%▲ from 5.44% Sep 14, 20265.44%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Home Equity Second-Lien	-	-	6.09%	10 Years Fixed
Details As Low As; Tier Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 5.84% → 6.09% ▲ 0.25 pts · high 6.09% / low 5.84% Oct 2, 20266.09%▲ from 5.84% Sep 14, 20265.84%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Home Equity Second-Lien	-	-	6.39%	15 Years Fixed
Details As Low As; Tier Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 6.14% → 6.39% ▲ 0.25 pts · high 6.39% / low 6.14% Oct 2, 20266.39%▲ from 6.14% Sep 14, 20266.14%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Home Equity HELOCs	-	-	6.50%	5 Year
Details Term: 5 Year Draw \| 10 Year Repayment; As Low As; Tier Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25% Oct 2, 20266.50%▲ from 6.25% Sep 14, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Home Equity Second-Lien	-	-	6.79%	20 Years Fixed
Details As Low As; Tier Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 6.54% → 6.79% ▲ 0.25 pts · high 6.79% / low 6.54% Oct 2, 20266.79%▲ from 6.54% Sep 14, 20266.54%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%

Austin Telco Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New/Used Auto Loans	-	-	5.54%	Up to 84 Months
Details Published APR range: 5.54%-6.49%. As Low As; Tier Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 5.54% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Boats, RVs, Commercial Vehicles Loan	-	-	7.49%	Up to 120 Months
Details Published APR range: 7.49% - 8.49%. As Low As; Tier Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 7.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%

Austin Telco Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term	View More
New/Used Motorcycle & Watercraft Loan	-	7.04%	Up to 60 Months
Details As Low As; Tier Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 7.04% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%

Austin Telco Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Credit Cards	-	9.90%
Details As Low As; Tier Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 9.90% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%

Austin Telco Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loans	9.90%	Up to 60 Months
Details As Low As; Tier Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 9.90% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%

Austin Telco Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Commercial Real Estate	-	-	6.24%	5 Years Fixed
Details Tier Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Commercial Real Estate Loan	-	-	6.24%	5 Years Fixed
Details Tier Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Commercial Real Estate Loan	-	-	6.74%	7 Years Fixed
Details Tier Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 6.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Commercial Real Estate Loan	-	-	6.94%	10 Years Fixed
Details Tier Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 6.94% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Home Improvement Loans	-	-	7.45%	60 Months
Details Term: 60 Months - 180 Months; Published APR range: 7.45% - 7.90%. As Low As; Tier Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 7.20% → 7.45% ▲ 0.25 pts · high 7.45% / low 7.20% Oct 4, 20267.45%▲ from 7.20% Sep 14, 20267.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Line of Credit	-	-	9.90%
Details As Low As; Tier Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 9.90% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
True Youth Share Certificate	4.15%	-	4.15%
Min Deposit $25 Min Balance $25 Details Balance: $25 to $5,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%

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

Austin Telco Federal Credit Union’s Texas Ratio stayed near 1.69% in Q3 2023 to 1.81% 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	$2.5B	1.81%	5.0	A+
March 31, 2026	$2.5B	1.81%	5.0	A+
December 31, 2025	$2.6B	2.47%	5.0	A+
September 30, 2025	$2.5B	2.11%	5.0	A+
June 30, 2025	$2.5B	2.08%	5.0	A+
March 31, 2025	$2.5B	2.10%	5.0	A+
December 31, 2024	$2.5B	3.23%	5.0	A+
September 30, 2024	$2.5B	2.69%	5.0	A+
June 30, 2024	$2.5B	2.02%	5.0	A+
March 31, 2024	$2.4B	2.12%	5.0	A+
December 31, 2023	$2.5B	2.02%	5.0	A+
September 30, 2023	$2.4B	1.69%	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 Austin Telco 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 Austin Telco 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 Austin Telco Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Austin Telco Federal Credit Union

Website https://www.atfcu.org

Address 11149 Research Blvd, Austin, TX 78759

Phone 512-302-5555

Fax

President David Westlund

CEO Robert Hernandez

Full-Time Employees 245

Part-Time Employees 39

Branch Locations 24

ATM Locations 23

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.81%

Return on Assets (ROA)

0.2978%

Return on Equity (ROE)

2.1206%

Non-Performing Loans Ratio (NPL)

0.35%

Total Assets

2,537,309,626

Total Amount of Shares and Deposits

2,118,385,959

Total Shares and Deposits < 1 Year

1,834,580,248

Total Shares and Deposits 1 3 Years

274,076,146

Total Shares and Deposits > 3 Years

9,729,564

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

191,714,391

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

191,714,391

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

1,926,671,568

Total Interest Expense (Sum of items 6 8)

22,906,477

Share Certificates

10,269

Number of Accounts for Share Drafts

61,856

IRA KEOGH Accounts

3,252

Number of Accounts for Regular Shares

94,219

Non Member Deposits

101

Money Market Shares

6,199

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

7,555,301

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)

57,725,098

Total Liabilities

2,226,684,903

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Austin Telco Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Austin Telco Federal Credit Union

How many branches does Austin Telco Federal Credit Union operate?

Austin Telco 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 Austin Telco Federal Credit Union?

Yes, to access services at Austin Telco 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, Austin Telco 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, Austin Telco Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Austin Telco Federal Credit Union offer online and mobile banking?

Most modern institutions like Austin Telco 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.atfcu.org.

Current Austin Telco Federal Credit Union Rates

12-Month CD4.01%
18-Month CD4.06%
24-Month CD4.06%
60-Month CD4.22%
Savings0.40%
MMA0.95%

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

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Austin Telco Federal Credit Union Rates & Review October 2026

Brian McKay

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Financial Health History

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Financials

Austin Telco Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Austin Telco Federal Credit Union

How many branches does Austin Telco Federal Credit Union operate?

Is a member application needed to join Austin Telco Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Austin Telco Federal Credit Union offer online and mobile banking?

Current Austin Telco Federal Credit Union Rates

Compare to Other Credit Unions