Alert 1 of 0
See all alerts
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

Last Minute Shopping Hacks

man and woman looking at laptop

I love giving gifts but sometimes obtaining the gifts is not my favorite. Do you ever feel that way? Every year I think, “I’m going to get my shopping done early so I don’t have to worry or think about it!” And every year that doesn’t seem to happen. I want it to! In my mind I REALLY want it to but when it comes down to it sometimes I just get overwhelmed and so I put it off. And now it’s December! Surely I’m not the only one that this happens to. Well, if you are like me, here are a few ways to keep your last-minute shopping as stress-free and inexpensive as possible…

Order online and pick up in-store

Don’t sweat over delayed shipping or the impossibly long lines in stores before the holidays. Instead, order what you need online and arrange to pick it up in the store. Most retailers offer this option now, and choosing it will give you the best of both worlds. You can browse from the comfort of your home, and pick up what you need (provided they still have it in stock) in no time at all, usually on the same day or within 24 hours. As an added bonus, many stores have designated parking spaces for shoppers who are picking up these types of orders. I used this option once already this year. My boys wanted some headphones that Target had on sale so I bought them on my phone, then drove to the store and picked up. Simple and Painless!

Get stocking stuffers at the dollar store

The dollar store is your best friend when it comes to last-minute stocking stuffers for your family. Browse carefully for fun finds, from activity books and sticker packs for the little ones, to scented candles and funky-colored nail polish for your tweens and teens, to fuzzy slippers and socks for your better half. Best of all, no one has to know they came from the dollar store!

Send a gift card through Giftly

Gift cards are the best cheat for the overwhelmed shopper, but they can also be a tad impersonal when you want to show you really care. Take the easy way out and keep the personal touch in your gift-giving by purchasing a gift card through Giftly. Here’s how it works: You suggest a gift item for your recipient, like “spa day” or “new electronic gadget” and then select a place where they can choose the gift. Or, you can leave it open for your friend to decide. You can send your “gift” via email, text message or even deliver it in person. Add a customized message, and the recipient can use the electronic gift card at your chosen place, or, if you’ve left it open, wherever Visa gift cards are accepted. Gift-giving, done! I know I love getting gift cards (or cash). Sometimes it is hard to spend money on ourselves so when I get gift cards it gives me the freedom to get something I want and not have to pay for it.

Shop small businesses

Avoid the heavy crowds and empty shelves by shopping at smaller, independently owned stores. They’re likely to be better stocked, even this late in the season, and you can enjoy more personalized service, too. Shopping at local mom-and-pop stores will be helping an independent business stay afloat during a time of year when kindness counts most. I know in Abilene, Tx, we have some of the best local businesses to shop. From boutiques to restaurants to sporting goods and breweries, you are sure to find something for everyone on your list.

Shop during non-peak hours

Another way to avoid the big crowds and bare shelves is to shop during slower business hours. In retail-speak, this means hitting the shops as soon as they open in the morning. The shelves in most stores are restocked overnight, and if you get there before the crowds, you’ll get first picks at the best gifts. Aside from a bigger selection, shopping in an emptier store will make it easier to make responsible, budget-conscious decisions.

Leaving some or all of your holiday gift-shopping for the last minute doesn’t mean you need to blow your budget, fight big crowds, or try to make your list work when you’re facing empty shelves. Use the tips outlined above for last-minute shopping that’s easy on the wallet, light on the stress, and makes it possible to find the perfect gifts.

Related posts


sticky note and calculator

12 Steps to Financial Wellness – Step 9: Build and Maintain an Excellent Credit Score

One of the big keys to financial wellness is building your credit score and keeping it high. This score affects a dizzying amount of your adult life, so pay attention to it! Continue reading
woman holding tablet that says shes on track for retirement

Stop Guessing, Start Planning: Retirement Made Simple

Retirement planning usually feels like a second job—one that requires a PhD in spreadsheets. If you're tired of confusing jargon and complex calculators, see how our new Retirement Simplified tool takes the headache out of the process, giving you a clear plan in minutes without the math-induced stress. Continue reading
crumpled notes about investing

12 Steps to Financial Wellness – Step 11: Investing

Got your financial house pretty much in order and ready to start investing? Great! There are some big decisions to make, and we can help! Continue reading