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For more information regarding your NCUA Share Insurance Coverage, please visit the following website links:

“Your Insured Funds”

“How Your Accounts are Insured”

 “Share Insurance Estimator”



Your savings federally insured to at least
$250,000 and backed by the full faith and
credit of the United States Government
Savings Rates
The annual percentage yield is accurate as of
Regular Share Savings    (Including All Teens Credit Union Club and Savasaurus Club Accounts)

Dividend Rate Annual Percentage Yield
$ 5,000.01 or more 1.50% 1.51%
5*CLUB members get .25% increase in Share Certificate rates!
Share Certificates
Term Dividend Rate Annual Percentage Yield
  6 month 3.45% 3.50%
12 month 3.80% 3.87%
24 month 4.10% 4.18%
36 month 4.20% 4.28%
48 month 4.30% 4.39%
60 month 4.40% 4.49%
Minimum balance of $1,000 to earn the above annual percentage yield for Share Certificates.
Minimum opening amount: $1,000

Minimum Teen Club and Savasaurus Club opening amount: $300.00
Individual Retirement Accounts
(Traditional, Roth, or Education)

Dividend Rate Annual Percentage Yield
Variable rate 2.25% 2.27%
12 Month Share Certificate 3.80% 3.87%
36 Month Share Certificate 4.20% 4.28%
60 Month Share Certificate 4.40% 4.49%
Money Market Accounts
   Dividend Rate Annual Percentage Yield
$1,000 - $9,999  0.50% 0.50%
$9,999.01 - $19,999  2.25% 2.27%
$19,999.01 or more  2.75% 2.79%
Savings Clubs

Dividend Rate Annual Percentage Yield
Christmas Club 0.75% 0.75%
Vacation Club 0.75% 0.75%
Special Club 0.75% 0.75%
Bridal Registry 0.75% 0.75%

These rates may change without notice. Fees could reduce the earnings on the account (applies if fees are associated with the account).  A penalty will or may be imposed for early withdrawal.

To obtain current rates, contact Alabama Teachers Credit Union.
For complete account details or to obtain Truth in Savings disclosures for any deposit account, click here.