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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

The Buffalo Gap Road Branch Is Open!  We’re excited to welcome members to our repaved and remodeled office.

Weather Alert

The credit union is open today for normally scheduled hours, though our staffing is minimal.  We urge our members to stay safe and take advantage of our convenient mobile and online digital banking services.

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January 27 at 8:30 – We thawed the pipes at our EN 10th Street branch and the lobby will be open today from 10 – 6.  The drive thru lanes are already in operation.  Stay safe on the roads!

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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

In observation of Martin Luther King Day, all ATFCU locations will be closed on Monday, January 19.  Learn how a Monday banking holiday might affect your expected transactions.

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

Essential Tools for Every Homeowner

set of tools

Many homeowners have tons of tools lying around but can never find the one they need! If you’re doing some DIY work or planning an update, here’s a useful list of what you should have in your toolbox.  This list would be good for new homeowners and longtime homeowners. I have owned my house for nearly 16 years and still don’t have all the gadgets I need to get some things done around my house.

I really enjoy putting furniture together and building things, but I usually do not have the tools to do something on my own or from scratch. I’ve put together most of the furniture in my house because I want it done immediately and get too impatient to wait for my husband. I can only imagine the projects I could start if I had some POWER TOOLS!!!

For the new homeowner, you likely have a long list of items you need or want to purchase for your new digs. From welcome mats to plungers (I don’t know that a plunger is necessarily something you want to buy,  but it is a necessity) and wall hangings, there’s lots to buy in the first weeks after moving day. As you browse through window treatments and home décor, don’t forget to stock up on the basic tools you’ll be needing.

A well-stocked toolbox is essential for every homeowner, but choosing which tools to pack inside that kit can be confusing. What do you really need, and what’s just an extra? Can you get by with only one screwdriver, or do you have to spring for the whole set? So many questions — and I’ve got answers! Here is a list I compiled to guide you when stocking a homeowner’s toolbox at every skill level. Happy fixing for the new homeowner and seasoned!

Basic tools

I don’t pretend to be a handywoman but I’m pretty sure I have all of these tools for basic house repairs.

  • Claw hammer. From hanging up pictures to securing loose railings, a hammer is your go-to tool for most basic jobs around the house. Consider also getting a lightweight pin hammer for smaller jobs.
  • Screwdriver set. It’s worthwhile to invest in a set of screwdrivers so you have various sized flat-heads and Phillips-heads handy for any kind of job. You can pick up a set of 10 screwdrivers at your local home improvement or hardware store, or order one from Amazon.
  • Pliers set. Here too, a set of different sizes and types is your best bet. Look for pliers with a good grip and that are sized well for your hands.
  • Adjustable wrench. A wrench will enable you to tighten or loosen virtually anything.
  • Allen wrench set. A universal allen wrench set will set you back just $10. You’ll use these wrenches anytime you order a piece of furniture that requires assembly.
  • Handsaw. A handsaw is great for trimming lumber and cutting through drywall, fiberglass and other thin materials.
  • Extension cord. Every house should have, at minimum, one indoor extension cord and another outdoor cord for jobs requiring electric tools.
  • Utility knife. Use this handy cutter to open boxes, hard plastic packages, shave wood and more.
  • Tape measure. A retractable 25-foot tape measure will come in handy when you need to measure space for new furniture or decor items. You may want to get a pocket-sized tape measure as well so you can bring it with you when you measure items at a store.
  • Hardware. Keep a generous selection of screws and nails on hand in case you need one in a hurry.
  • Level. A simple floating-bubble model will help keep your wall pictures and shelving straight.
  • Flashlight. It’s always a good idea to have a source of battery-powered light in case of an outage. Also consider a rechargeable flashlight that can be recharged by hand so you are never without a source of light.

The next step

Once you’ve filled your toolbox with the basics, and you become more skilled at around-the-house repairs, consider adding these more advanced tools to your collection:

  • C-clamp. When working on a woodworking project, a clamp will help you hold the wood in place.
  • Stud finder. This ingenious tool will keep you from creating unnecessary holes or drilling where nails already exist. (I have a pretty good built-in stud finder, I mean I did marry Juston Gray, the biggest stud around!)
  • Cordless drill. A cordless drill has dozens of household uses, especially if you get into woodworking or light construction around the house.
  • Hacksaw. These are great for cutting through plastic and metal pipes, tubing, conduit and wood.
  • Safety gear. You’ll need safety goggles, ear protection and dust masks when using power tools.
  • Putty knife. Designed for applying spackle, you can also use your putty knife to remove old paint and to apply grout to tile floors and backsplashes.
  • Wire stripper. Perfect for cutting materials like aluminum, copper, brass, iron and steel, wire strippers are essential for the committed DIYer.

Advanced tools

If you’re exceptionally handy, consider adding these to your toolbox:

  • Sanders. Put the finishing touches on your woodworking projects with a power sander. For best results, you may want to invest in several types of sanders and use each one when it fits the job best. For example, a random orbital sander may be best for simple home projects, while a belt sander is great for sanding rough surfaces and a rotary sander is your go-to choice for edge work.
  • Carpenter’s square. Made up of a metal ruler and interchangeable heads, a carpenter’s square is used to measure level, right angles, the center of a circle and to check depth. It can be an incredibly useful tool in complicated woodworking, metal and masonry projects.
  • Table saw. This power tool, also known as a saw bench, is a mounted woodworking tool that is considered the workhorse of any well-equipped woodshop. A table saw can rip, cross-cut, miter-cut, square, rabbet and apply shapes to edges of wood stock. (This is the tool I want most! I could make all kinds of things.)

Your toolbox is all set! Now you’ll be fully prepared for anything that needs fixing in your home. Or maybe even just building something for the heck of it!

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