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Pay Your ATFCU Loan

Choose the Way That Works Best for You

  • woman using smartphone

    Automated Draft

    Establish an automated draft from an ATFCU account or from an account at another financial institution. Pay your ATFCU loan electronically.

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    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.

     

  • couple sorting expenses at home

    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!

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    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 per transaction for this service.)

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    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.

     

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    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
    • 5% of the payment amount. $10 minimum
  • Credit Cards
    • $17 per event
  • Home Equity & Home Improvement Loan originated before 10-1-2015
    • 1% of the past due principal and interest
  • Home Equity & Home Improvement Loan originated after 10-1-2015
    • 4% of past due principal and interest
  • First Mortgage Loan, non-FHA financing
    • 5% of past due principal and interest
  • First Mortgage Loan, FHA financing
    • 4% of past due principal and interest

Get answers to your loan payment questions