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Share Certificates


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 Certificate and IRA Share Certificate Accounts

Effective as of June 7, 2017

 

$50,000 and Above - Special Rate

Term Dividend Rate Annual Percentage Yield
18 mo. 1.35% 1.36%
  • A minimum deposit of $50,000 is required.

 

$1,000 to $94,999

Term Dividend Rate Annual Percentage Yield
3 mo. 0.25% 0.25%
6 mo. 0.65% 0.65%
12 mo. 1.05% 1.05%
24 mo. 1.30% 1.31%
36 mo. 1.45% 1.46%
48 mo. 1.60% 1.61%
60 mo. 1.80% 1.81%

 

$95,000 and Above

Term Dividend Rate Annual Percentage Yield
3 mo. 0.30% 0.30%
6 mo. 0.75% 0.75%
12 mo. 1.15% 1.16%
24 mo. 1.45% 1.46%
36 mo. 1.65% 1.66%
48 mo. 1.80% 1.81%
60 mo. 2.15% 2.17%

 

  • A minimum deposit of $1,000 is required ($95,000 for Jumbo Certificates).
  • Dividends are compounded and paid quarterly.
  • 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.