Share certificates are available with a wide range of terms to fit your individual needs. Based on the term, dividends can be transferred to your share savings account, your checking account, compounded into the certificate or paid directly to you. Austin Telco Federal Credit Union's certificates offer rates that are among the most competitive in today's market.
Share certificates are similar to other long-term savings accounts, like CDs (Certificate of Deposits). However, the main difference between CDs and share certificates is that share certificates are offered by Credit Unions like Austin Telco Federal Credit Union, while CDs are offered by banks. In addition, credit unions, unlike banks, are member-owned and non-profit in nature. Credit Unions utilize their profits to offer high-quality, competitively rated options for their members, as well as better dividend earnings on the share certificates they offer. You can open a share certificate online through digital banking or through the mobile app.
If you're currently not a member and want to take advantage of our great Share Certificate rates you can come into one of our branches, give our member service team a call at 512-302-5555, or contact us by clicking the link below.
Share Certificate and IRA Share Certificate Accounts
Share Certificate Rates - Effective as of May 1st, 2025
Truth-in-Savings Certificate Disclosure
$1,000 to $94,999
| Term | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| 6 mo. | 3.95% | 4.01% |
| 9 mo. | 3.80% | 3.85% |
| 12 mo. | 3.75% | 3.80% |
| 18 mo. | 3.75% | 3.80% |
| 24 mo. | 3.70% | 3.75% |
| 36 mo. | 3.60% | 3.65% |
| 48 mo. | 3.50% | 3.55% |
| 60 mo. | 3.40% | 3.44% |
$95,000 to $224,999
| Term | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| 6 mo. | 4.05% | 4.11% |
| 9 mo. | 3.90% | 3.96% |
| 12 mo. | 3.85% | 3.91% |
| 18 mo. | 3.85% | 3.91% |
| 24 mo. | 3.80% | 3.85% |
| 36 mo. | 3.70% | 3.75% |
| 48 mo. | 3.60% | 3.65% |
| 60 mo. | 3.50% | 3.55% |
$225,000 and Above
| Term | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| 6 mo. | 4.15% | 4.22% |
| 9 mo. | 4.00% | 4.06% |
| 12 mo. | 3.95% | 4.01% |
| 18 mo. | 3.95% | 4.01% |
| 24 mo. | 3.90% | 3.96% |
| 36 mo. | 3.80% | 3.85% |
| 48 mo. | 3.70% | 3.75% |
| 60 mo. | 3.60% | 3.65% |
True Youth Share Certificate
$25 to $5,000
| Term | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| 12 mo. | 3.95% | 3.95% |
- A minimum deposit of $1,000 is required.
- $95,000 for Jumbo Certificates
- $225,000 for Super Jumbo Certificates
- $25 for True Youth Share Certificates
- Dividends are compounded and paid quarterly.
True Youth Share Certificate dividends are paid monthly to the Member Savings Account. - No monthly account/service fees.
- Funds must remain on deposit for the term of the certificate or penalties will apply as follows:
- 1. Terms of 12 months or less - 90 days dividends.
- 2. Terms of over 12 months - 180 days dividends.
- Please see Fee Schedule.
- Fees could reduce the earnings on the account.
- Rates subject to change without notice.
- One youth share certificate allowed per child's social security number.