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%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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Abilene Teachers Federal Credit Union

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Abilene Teachers Federal Credit Union Rates & Review October 2026

Q: 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.

Content reviewed by

Brian McKay

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

Abilene Teachers Federal Credit Union's top rates as of October 12, 2026 are 4.35% APY on its Jumbo Savings CD - 15 Month CD Special, 2.63% APY on savings, and personal loans from 7.75% APR, according to rates verified by MonitorBankRates. Other Abilene Teachers Federal Credit Union CD rates include Jumbo Savings CDs & IRA CDs - 15 Month CD Special at 4.35%, 15 Month Savings CD at 4.15%, and Savings CDs & IRA CDs - 15 Month CD Schedule at 4.15%. 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 10/12/2026.

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 Q2 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
Jumbo Savings Certificate - 15 Month Certificate Special	4.27%	4.35%	15 Month
Min Deposit $100,000 Details Jumbo; 15-Month Certificate Special; Dividend Rate 4.27%; deposits of $100,000 or more Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.35% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Jumbo Savings Certificates & IRA Certificates - 15 Month Certificate Special	4.27%	4.35%	15 Month
Min Deposit $100,000 Details Minimum to Open: $100,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
15 Month Savings Certificate	4.07%	4.15%	15 Month
Min Deposit $500 Details Term: 15 Month Certificate Schedule; Savings Certificates & IRA Certificates Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Savings Certificates & IRA Certificates - 15 Month Certificate Schedule	4.07%	4.15%	15 Month
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Jumbo Savings Certificate - 36 month	4.05%	4.13%	36 Months
Min Deposit $100,000 Details Jumbo; Dividend Rate 4.05%; deposits of $100,000 or more Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.13% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Jumbo Savings Certificates & IRA Certificates - 36 month	4.05%	4.13%	36 Months
Min Deposit $100,000 Details Minimum to Open: $100,000 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 4.02% → 4.13% ▲ 0.11 pts · high 4.13% / low 4.02% Oct 4, 20264.13%▲ from 4.02% Sep 14, 20264.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
36 Month Savings Certificate	3.85%	3.92%	36 Months
Min Deposit $500 Details Savings Certificates & IRA Certificates Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.92% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Savings Certificates & IRA Certificates - 36 month	3.85%	3.92%	36 Months
Min Deposit $500 Last Updated 10/12/2026 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%
Jumbo Savings Certificate - 24 month	3.80%	3.87%	24 Months
Min Deposit $100,000 Details Jumbo; Dividend Rate 3.80%; deposits of $100,000 or more Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.87% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Jumbo Savings Certificates & IRA Certificates - 24 month	3.80%	3.87%	24 Months
Min Deposit $100,000 Details Minimum to Open: $100,000 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.76% → 3.87% ▲ 0.11 pts · high 3.87% / low 3.76% Oct 4, 20263.87%▲ from 3.76% Sep 14, 20263.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
24 Month Savings Certificate	3.60%	3.66%	24 Months
Min Deposit $500 Details Savings Certificates & IRA Certificates Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.66% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Savings Certificates & IRA Certificates - 24 month	3.60%	3.66%	24 Months
Min Deposit $500 Last Updated 10/12/2026 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%
Jumbo Savings Certificate - 18 month	3.55%	3.61%	18 Months
Min Deposit $100,000 Details Jumbo; Dividend Rate 3.55%; deposits of $100,000 or more Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.61% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Jumbo Savings Certificates & IRA Certificates - 18 month	3.55%	3.61%	18 Months
Min Deposit $100,000 Details Minimum to Open: $100,000 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.51% → 3.61% ▲ 0.10 pts · high 3.61% / low 3.51% Oct 4, 20263.61%▲ from 3.51% Sep 14, 20263.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
18 Month Savings Certificate	3.35%	3.40%	18 Months
Min Deposit $500 Details Savings Certificates & IRA Certificates Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Savings Certificates & IRA Certificates - 18 month	3.35%	3.40%	18 Months
Min Deposit $500 Last Updated 10/12/2026 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%
Jumbo Savings Certificate - 12 month	3.30%	3.35%	12 Months
Min Deposit $100,000 Details Jumbo; Dividend Rate 3.30%; deposits of $100,000 or more Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.35% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Jumbo Savings Certificates & IRA Certificates - 12 month	3.30%	3.35%	12 Months
Min Deposit $100,000 Details Minimum to Open: $100,000 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.35% ▲ 0.10 pts · high 3.35% / low 3.25% Oct 4, 20263.35%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
12 Month Savings Certificate	3.10%	3.14%	12 Months
Min Deposit $500 Details Savings Certificates & IRA Certificates Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.14% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Savings Certificates & IRA Certificates - 12 month	3.10%	3.14%	12 Months
Min Deposit $500 Last Updated 10/12/2026 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%
Jumbo Savings Certificate - 6 month	3.05%	3.09%	6 Months
Min Deposit $100,000 Details Jumbo; Dividend Rate 3.05%; deposits of $100,000 or more Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.09% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Jumbo Savings Certificates & IRA Certificates - 6 month	3.05%	3.09%	6 Months
Min Deposit $100,000 Details Minimum to Open: $100,000 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 2.99% → 3.09% ▲ 0.10 pts · high 3.09% / low 2.99% Oct 4, 20263.09%▲ from 2.99% Sep 14, 20262.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
6 Month Savings Certificate	2.85%	2.89%	6 Months
Min Deposit $500 Details Savings Certificates & IRA Certificates Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.89% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Savings Certificates & IRA Certificates - 6 month	2.85%	2.89%	6 Months
Min Deposit $500 Last Updated 10/12/2026 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%
Jumbo Savings Certificate - 3 month	2.80%	2.84%	3 Months
Min Deposit $100,000 Details Jumbo; Dividend Rate 2.80%; deposits of $100,000 or more Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.84% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Jumbo Savings Certificates & IRA Certificates - 3 month	2.80%	2.84%	3 Months
Min Deposit $100,000 Details Minimum to Open: $100,000 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 2.73% → 2.84% ▲ 0.11 pts · high 2.84% / low 2.73% Oct 4, 20262.84%▲ from 2.73% Sep 14, 20262.73%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
3 Month Savings Certificate	2.60%	2.63%	3 Months
Min Deposit $500 Details Savings Certificates & IRA Certificates Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.63% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Savings Certificates & IRA Certificates - 3 month	2.60%	2.63%	3 Months
Min Deposit $500 Last Updated 10/12/2026 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%

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 10/12/2026 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	2.60%	2.63%
Min Balance $2,500 Details Balance: $100,000 and Up; Minimum to Earn Interest: $2,500 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 1.87% → 2.63% ▲ 0.76 pts · high 2.63% / low 1.87% Oct 12, 20262.63%▲ from 1.87% Sep 14, 20261.87%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 10/12/2026 Rate History No change since Oct 8, 2026 · 2.38% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Money Market Savings Account	2.35%	2.38%
Min Balance $2,500 Details Balance: $75,000 - $99,999.99; Minimum to Earn Interest: $2,500 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 1.87% → 2.38% ▲ 0.51 pts · high 2.38% / low 1.87% Oct 12, 20262.38%▲ from 1.87% Sep 14, 20261.87%first recorded 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 10/12/2026 Rate History No change since Oct 8, 2026 · 2.27% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Money Market Savings Account	2.25%	2.27%
Min Balance $2,500 Details Balance: $50,000 - $74,999.99; Minimum to Earn Interest: $2,500 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 1.87% → 2.27% ▲ 0.40 pts · high 2.27% / low 1.87% Oct 12, 20262.27%▲ from 1.87% Sep 14, 20261.87%first recorded 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 10/12/2026 Rate History No change since Oct 8, 2026 · 2.07% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Money Market Savings Account	2.05%	2.07%
Min Balance $2,500 Details Balance: $25,000 - $49,999.99; Minimum to Earn Interest: $2,500 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 1.87% → 2.07% ▲ 0.20 pts · high 2.07% / low 1.87% Oct 12, 20262.07%▲ from 1.87% Sep 14, 20261.87%first recorded 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 10/12/2026 Rate History No change since Oct 8, 2026 · 1.97% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Money Market Savings Account	1.95%	1.97%
Min Balance $2,500 Details Balance: $10,000 - $24,999.99; Minimum to Earn Interest: $2,500 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 1.87% → 1.97% ▲ 0.10 pts · high 1.97% / low 1.87% Oct 12, 20261.97%▲ from 1.87% Sep 14, 20261.87%first recorded 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 10/12/2026 Rate History No change since Sep 14, 2026 · 1.87% APY · checked 5 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 10/12/2026 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 10/12/2026 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%
Health Savings Account	0.35%	0.35%
Min Balance $1,000 Details Balance: $1,000 - $1,999.99 Last Updated 10/12/2026 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%
Savings Accounts	0.35%	0.35%
Min Deposit $5 Min Balance $1,000 Details Balance: $1,000 and Up Last Updated 10/12/2026 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 10/12/2026 Rate History No change since Oct 12, 2026 · 0.35% APY 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 10/12/2026 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 10/12/2026 Rate History No change since Oct 12, 2026 · 0.25% APY 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 10/12/2026 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 10/12/2026 Rate History No change since Oct 12, 2026 · 0.15% APY 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 10/12/2026 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	2.60%	2.63%
Min Balance $2,500 Details Balance: $100,000 and Up; Minimum to Earn Interest: $2,500 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 1.87% → 2.63% ▲ 0.76 pts · high 2.63% / low 1.87% Oct 12, 20262.63%▲ from 1.87% Sep 14, 20261.87%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 10/12/2026 Rate History No change since Oct 8, 2026 · 2.38% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Money Market Savings Account	2.35%	2.38%
Min Balance $2,500 Details Balance: $75,000 - $99,999.99; Minimum to Earn Interest: $2,500 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 1.87% → 2.38% ▲ 0.51 pts · high 2.38% / low 1.87% Oct 12, 20262.38%▲ from 1.87% Sep 14, 20261.87%first recorded 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 10/12/2026 Rate History No change since Oct 8, 2026 · 2.27% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Money Market Savings Account	2.25%	2.27%
Min Balance $2,500 Details Balance: $50,000 - $74,999.99; Minimum to Earn Interest: $2,500 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 1.87% → 2.27% ▲ 0.40 pts · high 2.27% / low 1.87% Oct 12, 20262.27%▲ from 1.87% Sep 14, 20261.87%first recorded 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 10/12/2026 Rate History No change since Oct 8, 2026 · 2.07% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Money Market Savings Account	2.05%	2.07%
Min Balance $2,500 Details Balance: $25,000 - $49,999.99; Minimum to Earn Interest: $2,500 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 1.87% → 2.07% ▲ 0.20 pts · high 2.07% / low 1.87% Oct 12, 20262.07%▲ from 1.87% Sep 14, 20261.87%first recorded 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 10/12/2026 Rate History No change since Oct 8, 2026 · 1.97% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Money Market Savings Account	1.95%	1.97%
Min Balance $2,500 Details Balance: $10,000 - $24,999.99; Minimum to Earn Interest: $2,500 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 1.87% → 1.97% ▲ 0.10 pts · high 1.97% / low 1.87% Oct 12, 20261.97%▲ from 1.87% Sep 14, 20261.87%first recorded 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 10/12/2026 Rate History No change since Sep 14, 2026 · 1.87% APY · checked 5 times 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 Loans - First Lien	-	-	6.25%	20 years
Details $300,000; Published 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 10/12/2026 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 Loans - First Lien to $299,999	-	-	6.50%	20 years
Details $100,000; Published 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 10/12/2026 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 Loans - First Lien to $99,000	-	-	6.75%	20 years
Details $20,000; Published 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 10/12/2026 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 Loans - 2nd Lien and up	-	-	7.50%	20 years
Details $300,000; Published APR range: 7.50% - 8.75%. 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 10/12/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.50% ▲ 0.75 pts · high 7.50% / low 6.75% Oct 12, 20267.50%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Home Equity Loans - 2nd Lien to $299,999	-	-	7.75%	20 years
Details $100,000; Published 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 10/12/2026 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 Loans - 2nd Lien to $99,999	-	-	8.00%	20 years
Details $20,000; Published 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 10/12/2026 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	View More
Other Vehicle Loans - RVs - 2025 (used) -2024	-	-	7.60%	1-78 months
Details Published APR range: 7.60% - 17.99%. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.60% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%

Abilene Teachers Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term	View More
RV Loans	-	7.35%
Details As Low As; Today's Rates (homepage); RV Loans* Last Updated 10/12/2026 Rate History 2 changes since Sep 17, 2026 · 7.10% → 7.35% ▲ 0.25 pts · high 7.90% / low 7.10% Oct 12, 20267.35%▼ from 7.90% Oct 4, 20267.90%▲ from 7.10% Sep 17, 20267.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%

Abilene Teachers Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Line of Credit	7.75%
Details Published rate range: 7.75% to 16.75%. Interest rate range; Terms Up To: No Set Term Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 7.75% APR · checked 5 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 Last Updated 10/12/2026 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 Last Updated 10/12/2026 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 Last Updated 10/12/2026 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 Loan	-	-	10.24%
Details Published APR range: 10.24% - 17.24%. Today's Interest Rate Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 10.24% APR · checked 6 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
Details Savings Secured Loans Last Updated 10/12/2026 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 Loan	-	-	14.24%
Details Published APR range: 14.24% - 18.00%. Today's Interest Rate Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 14.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Coverdell Education Savings	0.35%	-	0.35%
Min Balance $5 Details Balance: $5 to $99.99 Last Updated 10/12/2026 Rate History 1 change since Sep 18, 2026 · 0.25% → 0.35% ▲ 0.10 pts · high 0.35% / low 0.25% Sep 25, 20260.35%▲ from 0.25% Sep 18, 20260.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Coverdell Education Savings	0.45%	-	0.45%
Min Balance $100 Details Balance: $100 - $999.99 Last Updated 10/12/2026 Rate History 1 change since Sep 18, 2026 · 0.35% → 0.45% ▲ 0.10 pts · high 0.45% / low 0.35% Oct 4, 20260.45%▲ from 0.35% Sep 18, 20260.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Coverdell Education Savings	0.65%	-	0.65%
Min Balance $1,000 Details Balance: $1,000 - $9,999.99 Last Updated 10/12/2026 Rate History 1 change since Sep 18, 2026 · 0.55% → 0.65% ▲ 0.10 pts · high 0.65% / low 0.55% Oct 4, 20260.65%▲ from 0.55% Sep 18, 20260.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
Coverdell Education Savings	0.80%	-	0.80%
Min Balance $10,000 Details Balance: $10,000 and up Last Updated 10/12/2026 Rate History 1 change since Sep 18, 2026 · 0.70% → 0.80% ▲ 0.10 pts · high 0.80% / low 0.70% Oct 4, 20260.80%▲ from 0.70% Sep 18, 20260.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
IRAs - Roth and Traditional	0.35%	-	0.35%
Min Balance $5 Details Balance: $5.00 - $99.99 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.35% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
IRAs - Roth and Traditional	0.45%	-	0.45%
Min Balance $100 Details Balance: $100.00 - $999.99 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.45% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
IRAs - Roth and Traditional	0.65%	-	0.65%
Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.65% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.97%
IRAs - Roth and Traditional	0.80%	-	0.80%
Min Balance $10,000 Details Balance: $10,000.00 and Up Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.80% APY 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.
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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

Q2 2026 MBR Health & Safety Badge

Abilene Teachers Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Abilene Teachers Federal Credit Union

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/.