Welcome to ATFCU



What's New At Abilene Teachers FCU
Updated March 24, 2008

Annual Meeting

The 2008 Annual Meeting will be held at 7:00 p.m. on Thursday, April 10 at the Abilene Civic Center. Entertainment will be provided by Cooper High School's Red, Rhythm & Blues vocal ensemble. Dessert will be served and there will be lots of great door prizes awarded.

The doors open at 6:30 that evening. Please plan on joining us.

Scholarship Applications Available

Abilene Teachers FCU will be awarding five $1,000 scholarships to 2008 high school graudates. Interested students should meet the following guidelines:

  • Applicant must be a primary member of Abilene Teachers FCU.
  • Applicant must be in good standing at the credit union.
  • Applicant must have been accepted as a full-time student for the Fall 2008 semester at an accredited college, university or technical college in the United States.
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  • Applicant must be graduating from high school in Spring 2008.
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  • Applicant cannot be related to an Abilene Teachers FCU employee or volunteer.
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    Apllications will be judged based upon academic achievement, extra-curriuclar activities, employment history and evidence of financial responsibility.

    Applications can be picked up at all ATFCU locations or can be mailed to you. Call us at 677-2274 or 800-677-6770 or e-mail your request to atfuc@abileneteachersfcu.org

    The application deadline is April 25.

    Instant Issue Check Cards

    Check cards are rapidly replacing paper checks as the most popular way to make retail purchases. They're quick, they're convenient and they're easier than carrying a checkbook. We're pleased to announce that we can now issue these cards at our walk-in facilities, usually within an hour.

    If you need a new card quickly or if your magnetic strip is damaged, we can quickly assist you onsite. And here's another benefit you'll enjoy - members can choose their own PIN.

    We've changed the appearance of our VISA check card to help members distinguish it from their ATM card. The new design features a West Texas tank and windmill. As current cards expire, all check cards issued by ATFCU will be changed to the new design.

    Guaranteed Asset Protection (GAP) for your Vehicle Purchase

    You could lose more than your new or used vehicle if it is stolen or involved in a major accident. You could also lose your investment. Because most insurance policies only cover the value of your vehicle - something that rapidly declines during the first few yeas of ownership - your loan balance can be higher than the value of your vehicle. This situation is commonly called "being upside down" on a loan.

    Now you can protect your vehicle investment with Guaranteed Asset Protection (GAP). GAP protects you from a potential loan deficiency and covers the "gap" between the amount of your investment and the amount you still owe. Essentially, GAP protects you from substantial loss.

    GAP was designed for all drivers, whether you finance a new or used vehicle. It covers automobiles, vans, and light trucks. GAP coverage goes into effect when you need it most - when your vehicle is stolen and isn't recovered, or is totaled in an accident.

    GAP covers the difference between your insurance company's Actual Cash Value determination and the payoff amount of your loan. Delinquent payments, late charges, refundable service warranty contracts, other insurance-related products, and interest charged after the date of loss will be deducted from the GAP settlement.

    For just pennies a day, GAP provides peace of mind, convenience, confidence and significant savings. Enrollment is simple. Contact your loan officer for details.

    ATM Update - new surcharge-free machines being added weekly!

    Abilene Teachers FCU is a member of the CO-OP Network of ATM machines. This means that more than 24,000 surchage free machines are available to you around the country and around the world. When you use your ATM card at any of the locations mentioned below, you won't pay a fee to the operator of the machine OR a foreign ATM fee to the credit union. What a great deal!

    There are six local ATM's operated by Abilene Teachers FCU:

  • Drive thru facility at 1181 E.N. 10th Street
  • Drive thru facility at 349 N. Mockingbird
  • Drive thru at 2555 Buffalo Gap road
  • Inside the Student Center at McMurry University
  • Inside the lobby of One AISD Center, 241 Pine Street
  • Inside the Conference Center at Region 14 Education Service Center


    • Two other Abilene credit unions are also members of CO-OP Network, meaning that their machines can now also be used without a fee. These additional machines are located at:

  • First Abilene FCU at 1118 Pine (drive-thru)
  • First Abilene FCU at 3324 Catclaw (drive-thru)
  • 4419 Rigdemont Drive (drive-thru) - operated by Communities of Abilene FCU
  • Communities of Abilene FCU - 3661 N. 6th Street (drive-thru)
  • Communities of Abilene FCU - 341 Avenue C at Dyess Air Force Base
  • K-Mart Customer Service Desk - 4565 S. 1st Street


    • Additionally, the 7-Eleven chain of stores is gradually adding ATM machines to all the Skinny's stores which were sold in mid-2007. These machines also are surcharge free to ATFCU members using their ATM cards. (Remember, our ATM card has a bright blue background with the red CO-OP triangle in the bottom left corner.)

    Here's a way to find CO-OP machines when you're traveling. Look for the red, triangular CO-OP logo on our homepage. Click there and you'll be directed to the CO-OP ATM locator page. You can choose to enter either the city and state OR the zip code for the area you're searching. Click on the 'GO' button and you'll receive a list and a map of surcharge-free CO-OP Network machines in the area.

    Overdraft Privilege for Life's Unexpected Situations

    ATFCU is pleased to offer overdraft privilege on selected checking accounts. (Members will receive a letter notifying that their account has been approved.) For those who manage their accounts in a reliable manner, this service will cover overdrafts up to a total of $600. You will be saved the embarrassment and inconvenience of a returned check, as well as the fee normally charged to you by merchants for checks returned to them.

    Please note, that should an overdraft occur, your account will be charged our current NSF fee of $20 for handling each item paid under the overdraft privilege. However, since the check is not returned to the payee, you will not also have to pay their returned check fee, an amount which is usually in the $29 - $35 range.

    It is our pleasure to make this courtesy available to you as a means of expressing our appreciation for your fiancial responsibility. Emergencies happen and this tool will allow you to deal with them promptly.

    Should this privilege be misused, ATFCU reserves the right to revoke it at any time without prior notice. If you have any questions about your overdraft privilege status, please direct them to the Accounting Department.


    Holiday Closings-2008

    • New Years Day - Tuesday, January 1
    • Martin Luther King, Jr. Day - Monday, January 21
    • President's Day- Monday, February 18
    • Memorial Day - Monday, May 26
    • Independence Day - Friday, July 4
    • Labor Day - Monday, September 1
    • Columbus Day- Monday, October 13
    • Veterans' Day - Tuesday, November 11
    • Thanksgiving - Thursday, November 27
    • Christmas - Thursday, December 25