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Share Certificates


Why Share Certificates from Austin Telco Federal Credit Union are the Smart Investment Option for 2023

  • Most Competitive Rates in Today’s Market
  • Safer Investment to Protect Your Money
  • Better Returns than Savings Deposits
  • Fixed and Predictable Returns
  • Wide Selections of Returns

12 Month Share Certificates

The Most Competitive Rates in Today’s Market

4.58% APY

With Investments Of:

$1K – $94K

4.68% APY

With Investments Of:

$95K – $224K

4.78% APY

With Investments Of:

$225K or Higher

Austin Telco Federal Credit Union Share Certificates

Providing Our Members Better Financial Options for the Future


Why It’s More Than Just a Savings Account

For many, managing investments and finance can be stressful or even overwhelming. But it doesn’t need to be this way. Author Robert Kiyosaki once said, “Let the money work for you.” Such a simple adage gets to the heart of money management and what it hopes to achieve – growing your wealth without overextending yourself. Ideally, without any additional work at all.

So what do share certificates have to offer? In short, they are designed for those who want to build their existing cash balance into more wealth over time with ease and minimal effort.

Share certificates offer a fixed dividend rate with a set time commitment, after which the initial deposit and any dividends earned are returned in full. With their fixed dividend rates and at least $250,000 worth of insurance courtesy of the NCUA, they are often seen as one of the most secure investment strategies available.


How Austin Telco is Offering the Top Share Certificate Rates in Austin

As other forms of investment, like stock trading, goes through great fluctuations, the stability of share certificates has become appealing to many investors. The fact that they don’t go through the same volatility that other forms of investing experience gives investors more confidence that they will see consistent returns on their investment. If you’re planning on diversifying your investment portfolio, selecting a high-yield share certificate can be beneficial by offering you a steady financial foundation that you can count on regardless of the financial marketplace.

Timing your initial investment is still important to ensure you get the best deal possible. While there is no bad time to start growing and investing your money, catching the market when rates are high allows you to lock in a favorable rate that won’t change even when the market shifts. With our current attractive rates, Austin Telco Federal Credit Union’s Share Certificates offer rates that are among the most competitive in today’s market. That means the time to act is now!

Have Questions about Share Certificates? Let’s Talk!


Share Certificates with Austin Telco

Federally Insured

Share certificates are federally insured by the National Credit Union Administration (NCUA), a US government agency. Each account is federally insured up to $250,000, so you know your funds are safe and sound regardless of market volatility and other external factors.

Safe, Predictable Returns

There are no unknowns when you invest in a Share Certificate. You pick the deposit amount, the term, and the rate. As long as you don’t withdraw the funds, you’ll be able to calculate your dividends upon maturity at the onset of your investment.

Affordable Opening Deposits

Share Certificates offer a lower barrier of financial entry for our members that can make investing more affordable than other options. Because there are a variety of Share Certificate Rates, you also have greater flexibility to choose the best option for your budget.

Ready to speak to an ATFCU Share Certificate Expert?

Speak to a Member Support Specialists Today!


CDs and How They Differ from Share Certificates

When comparing your investment options, there may be instances when you find yourself wondering, what is the difference between a Certificate of Deposit and a Share Certificate? While they both have their similarities, it is important to note that the difference really boils down to two key features: Who they are offered by and how much interest you can earn in difference.

Similarities between CDs and Share Certificates:

  • Both are Insured up to $250,000 by both the FDIC and NCUA
  • Both pay higher Interest Rates than the best Savings and Money Market Accounts
  • Both are Safe and offer Non-Volatile Guaranteed Rates of Return
  • Both are long-term solutions to making the most of your money

Differences between CDs and Share Certificates:

  • CDs are Issued by Banks and are Insured by the FDIC
  • Share Certificates are Issued by Credit Unions and are Insured by the NCUA
  • Interest Rates

At Austin Telco Federal Credit Union, we offer Share Certificates to our Greater Austin Communities and provide excellent rate selections for you to explore. If you are considering investment and savings options, speak with one of our Member Support Specialists to find the right Share Certificate option for your financial strategy today!

Need Help with Share Certificates? Call Today!


Speak with an Austin Telco Member Specialist

Interested in exploring Austin Telco Federal Credit Union Share Certificate Rates? Call or submit a contact form and one of our Member Specialist will be ready to help you today!

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Disclosures for Austin Telco Share Certificates:

– 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 paid monthly to the True Youth 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

     1. 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

– The True Youth Share Certificate will automatically renew as a regular 12-Month share certificate upon maturity when the account holder reaches 18 years of age