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

Save on Heating Costs

house wearing scarf and hat

After a typical scorching west Texas summer, most of us look forward to cooler fall and winter weather.  But as the outside temperatures fall, the indoor heating costs go up.  That peaceful, picturesque white snowfall can result in winter utility bills that are not nearly as pretty.

While we can’t change the weather, we can take a look at our habits and see if there are ways to safe money and possibly be more environmentally conscious.

With that in mind, let’s look at some easy habit changes that will benefit our budgets and our environment:

  1. Add rugs to your floors to help insulate rooms. Dress in layers, warm sweaters and socks. Use flannel sheets and more blankets at night.
  2. Clean or change air filters. Debris is unclean for breathing and will impede warm air circulation. This is an important tip and it’s often overlooked.  If you can’t reach your air filters, hire a younger relative for a few hours.
  3. Lower the thermostat by 7-10 degrees when everyone is out for the day. Use a thermostat that automatically adjusts according to your schedule.
  4. Have a pro inspect and tune up your furnace. The cost can be well worth the savings since old furnaces can work at just 60 to 70% efficiency.
  5. Contact your utility company for a free home check-up. You may be able to offset service or upgrade costs by federal tax credits and/or utility rebates.
  6. Check windows for leaks. Detect them by lighting a candle and watching if it blows in a certain direction. If you find any, seal them up with caulking, foam insulation or plastic insulation sheets.
  7. Open the shades during sunlight hours and close them at night to retain the heat.
  8. Use heaters to warm up isolated areas instead of turning on entire heating zones if all the space is not in use. Also, close vents in rooms not being used to avoid unnecessary output.
  9.  Reduce your water heater temperature to 120 degrees, which is safer for skin and easier on heating costs.

These are just a few ways you can prepare for both the colder temperatures and try to get ahead of the higher winter utility bills. Stay safe and warm this winter!

Related posts


Auston and Aidon with overlay graphic learn from liz

Kids + Extracurricular Activities = $$$

It's National Son's Day! If you have sons or daughters as active in extracurricular activities as mine, you know how draining that can be on your checkbook. Check out these money saving tips when it comes to paying for ALL THE THINGS! Continue reading
dad with two sons and fathers day card

Fun Gifts for Dad that Won’t Break the Bank

Every dad is different, and when Father's Day rolls around, you want to make sure that your gift for the old man is right on the money. Speaking of money, he taught you to be smart with yours, so don't blow your budget on the present! We've got an array of gift ideas for your dad. Continue reading
older man and woman looking at phone

5 Discounts for Boomers and some Gen X’ers

You might have grown up seeing your parents and grandparents getting a senior discount, and now it’s your turn! Find out how many places are offering a break for older shoppers! Before you open your wallet for anything, check for a senior discount! Continue reading