--- title: "Abilene Teachers Credit Union Rates (Nov 2026): CDs to 4.15%" description: "Abilene Teachers Credit Union rates today: savings & CDs up to 4.15% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Abilene Teachers Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/texas/abilene-teachers" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Abilene Teachers Credit Union Rates (Nov 2026): CDs to 4.15% ### Auto & vehicle rates 36 offers | Product | Published | Rate | Term / condition | Status | | **84-Month Auto Loan (2024)** auto_any_84mo | — APR | 4.150% | 84 mo | Standard | | **Model Year(s) 2026** auto_any_84mo | — APR | 4.150% | 84 mo | Standard | | **84-Month Auto Loan (2025)** auto_any_84mo | — APR | 4.150% | 84 mo | Standard | | **Loan Term 1 - 84 months** auto_any_84mo | — APR | 4.150% | 84 mo | Standard | | **Loan Term 1 - 78 months** auto_any_78mo | — APR | 4.400% | 78 mo | Standard | | **78-Month Auto Loan (2023)** auto_any_78mo | — APR | 4.400% | 78 mo | Standard | | **72-Month Auto Loan (2022)** auto_any_72mo | — APR | 4.500% | 72 mo | Standard | | **Loan Term 1 - 72 months** auto_any_72mo | — APR | 4.500% | 72 mo | Standard | | **66-Month Auto Loan (2021)** auto_any_66mo | — APR | 4.600% | 66 mo | Standard | | **Loan Term 1 - 66 months** auto_any_66mo | — APR | 4.600% | 66 mo | Standard | | **Loan Term 1 - 60 months** auto_any_60mo | — APR | 4.700% | 60 mo | Standard | | **60-Month Auto Loan (2020)** auto_any_60mo | — APR | 4.700% | 60 mo | Standard | | **54-Month Auto Loan (2019)** auto_any_54mo | — APR | 4.800% | 54 mo | Standard | | **Loan Term 1 - 54 months** auto_any_54mo | — APR | 4.800% | 54 mo | Standard | | **Loan Term 1 - 48 months** auto_any_48mo | — APR | 4.900% | 48 mo | Standard | | **48-Month Auto Loan (2018)** auto_any_48mo | — APR | 4.900% | 48 mo | Standard | | **Loan Term 1 - 42 months** auto_any_42mo | — APR | 5.000% | 42 mo | Standard | | **42-Month Auto Loan (2017)** auto_any_42mo | — APR | 5.000% | 42 mo | Standard | | **Loan Term 1 - 36 months** auto_any_36mo | — APR | 5.100% | 36 mo | Standard | | **36-Month Auto Loan (2016)** auto_any_36mo | — APR | 5.100% | 36 mo | Standard | | **36-Month Auto Loan (2007–2015)** auto_any_36mo | — APR | 6.850% | 36 mo | Standard | | **Model Year Antique/Classic Autos** auto_any_36mo | — APR | 7.050% | 36 mo | Standard | | **Model Year Motorcycle, ATV, Personal Watercraft, Cargo Trailer- New only** motorcycle_new_60mo | — APR | 7.050% | 60 mo · new | Standard | | **84-Month New RV Loan (2025–2026)** rv_new_84mo | — APR | 7.350% | 84 mo · new | Standard | | **Model Year RVs - 2025 (used) -2024** rv_used_78mo | — APR | 7.600% | 78 mo · used | Standard | | **72-Month RV Loan (2022–2023)** rv_any_72mo | — APR | 7.850% | 72 mo | Standard | | **60-Month RV Loan (2020–2021)** rv_any_60mo | — APR | 8.100% | 60 mo | Standard | | **Model Year RVs over $55,000 - new** rv_new_120mo | — APR | 8.350% | 120 mo · new | Standard | | **48-Month RV Loan (2018–2019)** rv_any_48mo | — APR | 8.350% | 48 mo | Standard | | **42-Month RV Loan (2016–2017)** rv_any_42mo | — APR | 8.600% | 42 mo | Standard | | **72-Month New Boat Loan (2025–2027)** boat_new_72mo | — APR | 9.950% | 72 mo · new | Standard | | **72-Month Used Boat Loan (2024–2025)** boat_used_72mo | — APR | 10.450% | 72 mo · used | Standard | | **60-Month Used Boat Loan (2022–2023)** boat_used_60mo | — APR | 10.950% | 60 mo · used | Standard | | **54-Month Used Boat Loan (2020–2021)** boat_used_54mo | — APR | 11.450% | 54 mo · used | Standard | | **48-Month Used Boat Loan (2018–2019)** boat_used_48mo | — APR | 11.950% | 48 mo · used | Standard | | **36-Month Used Boat Loan (2016–2017)** boat_used_36mo | — APR | 12.450% | 36 mo · used | Standard | Abilene Teachers Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 7 offers | Product | Published | Rate | Term / condition | Status | | **Loan Type First Lien - $300,000 and up** heloc | — APR | 6.250% | — | Standard | | **20-Year Home Equity Loan** heloc | — APR | 6.250% | — | Standard | | **Loan Type First Lien - $100,000 to $299,999** heloc | — APR | 6.500% | — | Standard | | **Loan Type First Lien - $20,000 to $99,000** heloc | — APR | 6.750% | — | Standard | | **Loan Type 2nd Lien - $300,000 and up** heloc | — APR | 7.500% | — | Standard | | **Loan Type 2nd Lien - $100,000 to $299,999** heloc | — APR | 7.750% | — | Standard | | **Loan Type 2nd Lien - $20,000 to $99,999** heloc | — APR | 8.000% | — | Standard | Abilene Teachers Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 11 offers | Product | Published | Rate | Term / condition | Status | | **Loan Type Savings Secured** personal_secured_36mo | — APR | 2.350% | 36 mo | Standard | | **Loan Type Savings Secured** personal_secured_60mo | — APR | 3.350% | 60 mo | Standard | | **Loan Type Savings Secured** personal_secured_72mo | — APR | 4.350% | 72 mo | Standard | | **Loan Type Credit Builder** personal_unsecured_18mo | — APR | 4.350% | 18 mo | Standard | | **Loan Type Personal Line of Credit** ploc_variable | — APR | 7.750% | — | Standard | | **Loan Type Personal Signature Loan** personal_unsecured_36mo | — APR | 10.000% | 36 mo | Standard | | **Loan Type Furniture, Appliances, Computers, Musical Instruments** personal_unsecured_36mo | — APR | 10.250% | 36 mo | Standard | | **Loan Term 37 - 48** months** personal | — APR | 11.000% | — | Standard | | **Loan Type Personal Signature Loan** personal_unsecured | — APR | 11.000% | — | Standard | | **Loan Term 49 - 60** months** personal | — APR | 12.000% | — | Standard | | **Signature Loan** personal_unsecured | — APR | 16.100% | — | Standard | Abilene Teachers Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Type of Credit Card Classic Card** credit_card | — APR | 10.240% | — | Standard | | **Type of Credit Card Rewards Card** credit_card_rewards | — APR | 14.240% | — | Standard | | **Type of Credit Card Savings Secured** credit_card_secured | — APR | 17.990% | — | Standard | Abilene Teachers Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 25 offers | Product | Published | Rate | Term / condition | Status | | **Minimum to Earn Interest $2,500** savings | — APY | 1.85% | — | Standard | | **Balance $2,500 - $9,999.99** savings | — APY | 1.85% | — | Standard | | **Balance $10,000 - $24,999.99** savings | — APY | 1.95% | — | Standard | | **Minimum to Earn Interest $2,500** savings | — APY | 1.95% | — | Standard | | **Balance $25,000 - $49,999.99** savings | — APY | 2.05% | — | Standard | | **Minimum to Earn Interest $2,500** savings | — APY | 2.05% | — | Standard | | **Minimum to Earn Interest $2,500** savings | — APY | 2.25% | — | Standard | | **Balance $50,000 - $74,999.99** savings | — APY | 2.25% | — | Standard | | **Minimum to Earn Interest $2,500** savings | — APY | 2.35% | — | Standard | | **Balance $75,000 - $99,999.99** savings | — APY | 2.35% | — | Standard | | **Minimum to Earn Interest $2,500** savings | — APY | 2.60% | — | Standard | | **3-Month IRA Certificate** ira_cd_3mo | 2.63% APY | 2.60% | 3 mo | Standard | | **Minimum to Open $100,000** cd_3mo | — APY | 2.80% | 3 mo | Standard | | **6-Month IRA Certificate** ira_cd_6mo | 2.89% APY | 2.85% | 6 mo | Standard | | **Minimum to Open $100,000** cd_6mo | — APY | 3.05% | 6 mo | Standard | | **12-Month IRA Certificate** ira_cd_12mo | 3.14% APY | 3.10% | 12 mo | Standard | | **Minimum to Open $100,000** cd_12mo | — APY | 3.30% | 12 mo | Standard | | **18-Month IRA Certificate** ira_cd_18mo | 3.40% APY | 3.35% | 18 mo | Standard | | **Minimum to Open $100,000** cd_18mo | — APY | 3.55% | 18 mo | Standard | | **24-Month IRA Certificate** ira_cd_24mo | 3.66% APY | 3.60% | 24 mo | Standard | | **Minimum to Open $100,000** cd_24mo | — APY | 3.80% | 24 mo | Standard | | **36-Month IRA Certificate** ira_cd_36mo | 3.92% APY | 3.85% | 36 mo | Standard | | **Minimum to Open $100,000** cd_36mo | — APY | 4.05% | 36 mo | Standard | | **Savings Certificates & IRA Certificates (Term 15 Month Certificate Schedule)** ira_cd_15mo | 4.15% APY | 4.07% | 15 mo | Standard | | **Minimum to Open $100,000** cd_15mo | — APY | 4.27% | 15 mo | Standard | Abilene Teachers Credit Union savings & cd rates as of November 12, 2026 ### Other rates 5 offers | Product | Published | Rate | Term / condition | Status | | **Term 1-36 months** other | — % | 2.350% | — | Standard | | **Term 37-60 months** other | — % | 3.350% | — | Standard | | **Term 12 or 18 months** other | — % | 4.350% | — | Standard | | **Term 61-72 months** other | — % | 4.350% | — | Standard | | **Terms Up To No Set Term** other | — % | 7.750% | — | Standard | Abilene Teachers Credit Union other rates as of November 12, 2026 Savings and certificate yields up to 4.15% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/texas/abilene-teachers) , verified from [Abilene Teachers Credit Union's official website](https://www.abileneteachersfcu.org/) Loading branch locator… ## About Abilene Teachers Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 56.7K Assets $681.6M Founded 1950 Locations reported 5 NCUA charter 6743 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Electronic statements - Mobile check deposit - Financial education - Bilingual services - Student scholarships - Credit-builder products Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Texas Tech** Abilene Branch Catclaw · Abilene · TX · 79606 About 3.8 miles away](https://rateapi.dev/credit-unions/texas/texas-tech) [**Communities of Abilene** Rolling Green · Abilene · TX · 79606 About 4.0 miles away](https://rateapi.dev/credit-unions/texas/communities-of-abilene) [**First Priority** First Priority Credit Union Single Branch · Abilene · TX · 79605 About 5.0 miles away](https://rateapi.dev/credit-unions/texas/first-priority) [**Citizens** Abilene Branch · Abilene · TX · 79605-4733 About 5.0 miles away](https://rateapi.dev/credit-unions/texas/citizens) [**Txdot** First Financial Bank · Abilene · TX · 79605-5016 About 5.7 miles away](https://rateapi.dev/credit-unions/texas/txdot) [**University** ACU Banking Hub · Abilene · TX · 79601 About 9.5 miles away](https://rateapi.dev/credit-unions/california/university) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Abilene Teachers Credit Union Membership eligibility from Abilene Teachers Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Abilene Teachers Credit Union's website. Check the membership page below to confirm whether you qualify. - Location taylor, callahan — TX - Employer public school systems Verified from [Abilene Teachers Credit Union's membership page](https://www.abileneteachersfcu.org/join/) . Final membership determination is always made by the credit union. ## Membership rules for Abilene Teachers Credit Union Geography 2 counties · Employers 2 · Family 3 13 published paths to membership, last verified August 27, 2026, quoted from Abilene Teachers Credit Union’s own published criteria. ### Geography 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Callahan County, TX - Taylor County, TX “Residents of Taylor and Callahan counties .” > [source ↗](https://www.abileneteachersfcu.org/join/) ### Employers 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Employee of public school systems “Employees of public school systems in the following Texas counties: Callahan, Coleman, Eastland, Fisher, Haskell, Jones, Kent, King, Knox, Nolan* , Runnels, Shackelford, Stephens, Stonewall, Taylor and Throckmorton.” > [source ↗](https://www.abileneteachersfcu.org/join/) - Employee of public school systems - Belongs to public school systems (as written on the source page) “Employees of public school systems in the following Texas counties: Callahan, Coleman, Eastland, Fisher, Haskell, Jones, Kent, King, Knox, Nolan*, Runnels, Shackelford, Stephens, Stonewall, Taylor and Throckmorton.” > [source ↗](https://www.abileneteachersfcu.org/join/) - Employee of public school systems (class, not a named organization) ### Family 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member “Family members of current ATFCU members.” > [source ↗](https://www.abileneteachersfcu.org/join/) - Family member of a member - Family of a member family “Family members of current ATFCU members.” > [source ↗](https://www.abileneteachersfcu.org/join/) - Family member (family) of a member - Family of someone eligible family “Family members of persons who are eligible for membership, even if the eligible member has chosen not to join ATFCU.” > [source ↗](https://www.abileneteachersfcu.org/join/) - Family member (family) of an eligible person Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Abilene Teachers Credit Union? Yes No ## Work at Abilene Teachers Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Abilene Teachers Credit Union ranks against Texas peers. - See which AI assistants fetched Abilene Teachers Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Texas - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=abilene-teachers&state=texas&code=TX&name=Abilene%20Teachers%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Abilene Teachers Credit Union offer? Abilene Teachers Credit Union currently offers vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Abilene Teachers Credit Union rates updated? RateAPI verifies Abilene Teachers Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Abilene Teachers Credit Union's rate data? Rate data is collected directly from Abilene Teachers Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Abilene Teachers Credit Union's best CD rate? As of November 12, 2026, Abilene Teachers Credit Union offers savings and certificate (CD) yields up to 4.15% APY. ### Who can join Abilene Teachers Credit Union? Abilene Teachers Credit Union publishes its membership criteria on its own website. RateAPI tracks 13 published membership paths covering 2 counties and 2 employers for Abilene Teachers Credit Union, each quoted from Abilene Teachers Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Abilene Teachers Credit Union's rates against national credit-union benchmarks. [More Texas credit unions](https://rateapi.dev/credit-unions/texas) [Texas auto loan rate leaders](https://rateapi.dev/auto-loan-rates/texas) [Texas HELOC rate leaders](https://rateapi.dev/heloc-rates/texas) [Texas personal loan leaders](https://rateapi.dev/personal-loan-rates/texas) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.abileneteachersfcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Abilene Teachers Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Texas credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Abilene Teachers Credit Union curl "https://api.rateapi.dev/credit-unions/texas /abilene-teachers " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Abilene Teachers Credit Union locations Search, filter, and browse all 5 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/texas/abilene-teachers Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp