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About ATFCU

About ATFCU

What is a Credit Union?

Have you ever wondered?

What is a credit union? Is it like a bank? Can I join a credit union? Is my money safe? These are important questions and the answers may surprise you.

What Is A Credit Union?

Credit unions are unique in the financial world. They are not-for-profit cooperatives, owned and directed by their members. Their mission is to provide a safe place for members to save and borrow at reasonable rates. A popular motto in the credit union industry is that we are "Focused on People, Not Profits".

Is It Like A Bank?

Yes and no.

Many credit union services are similar to those you'll find at banks. In addition to loans and savings accounts, most credit unions also offer checking and investment accounts. Many also have cutting edge products like mobile banking, electronic statements and robust online banking programs.

However, our ownership is much different. Credit unions are owned by their members. No matter what the balance in his/her account, each member has one vote when electing board members or, in some cases, determining credit union policy. Credit unions are led by volunteer, member-elected boards of directors whose mission is to provide outstanding value for the credit union's members.

Banks, on the other hand are owned by their shareholders. The more shares a person owns, the more votes he/she can exercise. Most bank directors are paid for their service and may not live in the area where the bank operates. Their primary task is to increase profits for their shareholders. Customers of the bank often take a back seat to the shareholders.

Can I Join A Credit Union?

For many years, credit unions were open to membership only to people who worked for specific employers like city government, school districts, railroads or manufacturers. This is because the credit union was chartered specifically for those employers.

Today, many credit unions are chartered to communities rather than employment groups. Abilene Teachers FCU has a community charter in Taylor and Callahan counties. If you live, work, worship or attend school here, we'd love to have you as a member.

We also serve the educational community in 14 other West Central Texas counties. Check to see if you're eligible for ATFCU membership.

Is My Money Safe?

Credit unions are regulated by state and federal regulations. Each depositor is insured up to $250,000 by the NCUA, a federal agency.

Not one penny of insured savings has ever been lost by a member of a federally insured credit union. And U.S. taxpayers have never bailed out a federally insured credit union!

FDIC Equal Housing Lender
P.0. Box 5706, Abilene, Texas  79608