Savings

Reach Your Financial Goals

Not everyone has the same savings goals. We get that. ATFCU offers a range of savings account options, so no matter what your financial goals are, we’ve got an account that can help you get there.

Share/Savings Accounts

Your $5 share in your ATFCU share savings account means you’re so much more than a customer to us – you’re a member! This account is straight-forward, no nonsense, and a great way to start making saving a habit.

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Account Type	Dividend Rate	Annual Percentage Yield (APY)
Share Savings	0.15%	0.15%
Club Savings	0.15%	0.15%

Club Savings

If you’re saving for something special – Christmas, that dream vacation, to build an emergency fund – a club account is an easy way to save.

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Account Type	Dividend Rate	Annual Percentage Yield (APY)
Share Savings	0.15%	0.15%
Club Savings	0.15%	0.15%

Money Market Investments

Need your funds to work harder for you? Consider a Money Market Investment account. This higher yield tiered rate account earns more interest than an average savings account, allowing you to reach your savings goals faster.

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Initial Deposit/Minimum Balance	Dividend Rate	Annual Percentage Yield (APY)
$0.01 - $2,500	0.25%	0.25%
Over $2500 - $10,000	0.25%	0.25%
Over $10,000 - $25,000	0.99%	1.00%
Over $25,000	1.24%	1.25%

Share Certificates

Certificates of deposit are a simple way to grow your savings. Our certificate products offer higher yields and are available in a variety of terms, from three months to three years.

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Features

Flexible terms
Higher-yield interest accounts
No monthly fees

Rates & Fees:

View our current Schedule of Fees.

Term	Minimum Open Deposit	Dividend Rate %	APY %
3 Month	$1,000	0.25%	0.25%
6 Month	$1,000	1.49%	1.50%
7 Month Special**	$1,000	3.93%	4.00%
12 Month	$1,000	1.49%	1.50%
18 Month	$1,000	1.74%	1.75%
24 Month	$1,000	1.74%	1.75%
30 Month	$1,000	1.98%	2.00%
36 Month	$1,000	1.98%	2.00%

Rates current as of: February 21, 2025

*Annual Percentage Yield (APY) is accurate as of the date mentioned above. This rate schedule states rates applicable to specified accounts. All rates are subject to change. Dividends are credited to your account and compounded every month. Minimum balance requirements apply to average daily balance (amount of principal in account each day). Monthly fees could reduce earnings.A penalty of an amount equal to 180 days’ dividends will be applied for early withdrawal.

**Automatically renews at maturity for a 6 month term at the then current 6 month share certificate interest rate.

IRAs

Planning for your future? Consider an Individual Retirement Account (IRA) from ATFCU. ATFCU offers both Traditional and Roth IRA plans, both of which can provide tax benefits. If you earn income, a Traditional IRA may be a good option for you and your contributions may be tax deductible. A Roth IRA offers additional flexibility as contributions are made after-taxes, and funds can be withdrawn early, if needed. Unsure which plan is best for you? Give us a call!

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Features

Flexible terms
Higher-yield interest accounts
No monthly fees
Money grows tax free while in the account
Tax benefits for both Traditional and Roth IRA accounts

Rates & Fees:

View our current Schedule of Fees.

Term	Minimum Open Deposit	Dividend Rate %	APY %
IRA Share Account	$0	0.15%	0.15%
6 Month	$1,000	1.49%	1.50%
7 Month Special**	$1,000	3.93%	4.00%
12 Month	$1,000	1.49%	1.50%
18 Month	$1,000	1.74%	1.75%
24 Month	$1,000	1.74%	1.75%
30 Month	$1,000	1.98%	2.00%
36 Month	$1,000	1.98%	2.00%

Rates current as of: February 21, 2025

*Annual Percentage Yield (APY) is accurate as of the date mentioned above. This rate schedule states rates applicable to specified accounts. All rates are subject to change. Dividends are credited to your account and compounded every month. Minimum balance requirements apply to average daily balance (amount of principal in account each day). Monthly fees could reduce earnings. A penalty of an amount equal to 180 days’ dividends will be applied for early withdrawal.

**Automatically renews at maturity for a 6 month term at the then current 6 month share certificate interest rate.

Savings

Reach Your Financial Goals

Share/Savings Accounts

Features

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Club Savings

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Money Market Investments

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Share Certificates

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IRAs

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