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Notice

The 76th Annual Meeting of ATFCU is tonight at the Abilene Convention Center.  Doors open at 6:30 pm and the business meeting begins at 7.  All members are invited.  Learn more on the Current Happenings page.

Notice

Attn: High School Seniors (and parents)!  The ATFCU Scholarship application process is open. Learn more about it on our Community page.  March 10, 2026 is the application deadline. ... Read more

Branch Closure

All credit union locations will be closed on Monday, February 16 to observe Presidents’ Day.  Learn more about how a Monday banking holiday might affect your expected transactions.

Notice

Winter Storm Impact – Our drive-through lanes are open for normally scheduled hours on Saturday, January 24.  If the weather or utility availability worsens, we will announce updates here and on our social media platforms.  Stay safe!

Branch Closure

Happy 2026!  All ATFCU locations will close at 3 pm on New Year’s Eve and remain closed on New Year’s Day.  Normal hours will resume on Friday, January 2. ... Read more

Notice

When is the best time for you?   Members are able to schedule appointments for most non-teller transactions. Learn more and we can start coordinating calendars! ... Read more

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Fee Schedule

Our fees are low.
No need to hide.

Checking Account Fees

Insufficient Funds (NSF)

$25 each

Overdraft Privilege Fee

$25 each

Stop Payment Fee

$25 each

Online Bill Payment NSF

$25 each

Online Bill Payment Stop Payment Fee

$25 each

Debit Card Replacement

$5 occurrence

Transaction Fee for ATM's not in CO-OP Network

$1 occurrence

Returned Deposited Check

$15 each

Temporary Checks

$4 per page of 4 checks (12 free at account opening)

Statement copies

$2 per statement (recent statements free in online banking)

Photocopy of Cancelled Checks

$2 each after first two checks each month

ReStart Checking Account

$5 month

Check Printing Cost

varies by design

 

Accounting Fees

Domestic Wire Fee

$15 each (any amount)

International Wire Fee

$40 each (any amount)

Account Research & Balancing

$20 per hour

Lien/Levy/Garnishment

$25 per item

Uncollected Funds Fee

$25 per item

Manual Check Clearing Fee

$1 per check

Digital Transfer to External Bank/Credit Union

$4.00 per transaction

 

Special Services

Notary Service

Free to members

Money Orders

$1 each

Cashier's Check

$2 each

Check by Phone

$5 each

Gift Cards

$2 each

Reloadable Debit Cards

$6 each

Digital Banking Loan Pay with External Debit Card

$4 each

Digital Banking Loan Pay with External Bank Account

No Charge

 

Lending Fees

Late Payment, Home Equity & Home Improvement Loans originated prior to 10-1-2015

After 15 days late, 1% of past due principal and interest

Late Payment Fee, Home Equity & Home Improvement Loans originated after 10-1-2015

After 15 days late, 4% of past due principal and interest

Late Payment Fee, First Mortgage Loan,
non-FHA Financing

After 15 days late, 5% of past due principal and interest

Late Payment Fee, First Mortgage Loan,
FHA Financing

After 15 days late, 4% of the past due principal and interest

Late Payment Fee, Consumer Loans originated prior to 1-1-2016

After 15 days late, 20% of the interest due. Minimum - $5; Maximum - $17

Late Payment Fee, Consumer Loans originated after 1-1-2016

After 15 days late, 5% of the payment amount. Minimum - $10

Late Payment Fee, Credit Cards

After 15 days late, $17 per event

 

Miscellaneous Fees

Account closed within 90 days of opening

$15 per event

Incorrect Mailing Address

$5 per month

Non-ATFCU card used at an ATFCU ATM

$3 each

Use of Copy Machine

$1 per page

Use of Fax Machine

$3 for first page/$1 for other pages

 

Effective May 1, 2021 (yes, that’s right. No changes in more than 4 years.)

 

Contact us with additional questions.


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Call or text us

(325) 677-2274 -call or text

(800) 677-6770 – calls only