ALERT – Be aware that multiple search engines are currently displaying fake phone numbers for TruStage Life Insurance. Should you need to contact TruStage, the correct phone number for their Customer Service Department is 800-356-2644.
Branch Closure
All credit union locations will be closed on Monday, Sept. 7 to celebrate the Labor Day holiday. Drive-thru locations will be open for normal hours on Saturday, Sept. 5. Remember to be alert to probable text and email scams over the long weekend. Learn more in our Fraud Protection Center.
Outage Alert
5:28 pm – We are currently experiencing a phone system outage. You can still text our Contact Center employees by clicking on the small green button at the bottom of every website page. Troubleshooting is underway. We apologize for the inconvenience.
Branch Closure
Juneteenth Closings – Over the long weekend we will be improving concrete drainage at the Buffalo Gap drive through facility. At that location only, the ATM will close at 5:30 pm on June 18 and the drive through lanes will close at 6 pm. They will remain closed until Monday, June 22 at 7:30 am. All other ATFCU locations will be closed on Friday, June 19 and will resume normal weekend hours on Saturday, June 20. Thank you for your understanding.
Branch Closure
Memorial Day Holiday – All ATFCU locations will be closed on Monday, May 25 for Memorial Day. Enjoy the long weekend!
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!
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
Establish an automated draft from an account at another financial institution. Use our step-by-step instructions to put the process in place.
Electronic Transfer
Use mobile or digital banking to make a one-time payment or recurring payments from an ATFCU account or from an external account. See how to set up External Transfers.
ATFCU Bill Payment
If you’re enrolled in ATFCU’s bill payment program, use it for one-time or recurring loan payments. Learn how to enroll in Bill Pay today!
Pay by phone
Give us a call at (325) 677-2274 or (800) 677-6770 to make a loan payment using an external credit card or bank account. There is a $5 fee for this transaction.
Coupon Book
Many members prefer the traditional loan payment coupon book and we’ll be happy to make one for you. Please advise your loan officer that you would like a book.
Payroll Deduction
If your payroll check is automatically deposited at ATFCU, the deposit can be configured so that portion of your check is applied to your loan. Contact your HR department.
Loan FAQs
The easiest way is simply to make every payment on time. 20 years ago, most members mailed in checks with loan coupons and trusted the post office would deliver them promptly. Prompt delivery is no longer a given, so we recommend:
Make your payments in person to a teller (not at a night drop)
Have your payments set up on an automatic transfer from another account at ATFCU or from an account at another financial institution. Make sure there are adequate funds in the payment account.
Use the alerts features in digital banking to remind you to manually transfer the loan payment from your checking account to the loan account.
The general answer is “your loan payment will be posted as soon as the credit union receives it.”
However, there are a variety of means to make a loan payment and some of them involve extra time on the sending end. That means the payment isn’t received as soon as you might expect. We recommend that you find out exactly when the sender will deliver payment to the credit union and make plans accordingly.
There is a 15 day grace period before late fees are charged. After the 15th day, the following late charges apply:
Auto, Personal, Consumer Loans originated before 1-1-2016
20% of interest due. $5 minimum, $17 maximum
Auto, Personal, Consumer Loans originated after 1-1-2016
