Happy 250th Birthday, America!! All credit union locations will be closed on Saturday, July 4 to celebrate Independence Day. We will observe normal weekday hours on Friday, July 3 and Monday July 6. Please remember to stay alert for text and phone scams over the holiday weekend. ATFCU staff members will never ask you for your account number, your digital banking login or username, or your Social Security number. If someone asks, it’s not us! Learn more on the Current Happenings page.
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
ATFCU offers mortgages for primary homes and second or vacation homes.
Visit our online mortgage center to check rates and learn more about the home buying process. For questions, please contact a home loan officer at 677-2274 or 800-677-6770.
Thinking about Refinancing?
Mortgage Refinance
We are pleased to offer mortgage refinancing. Numerous economic factors impact the decision to choose the refinancing option. Give us a call to discuss your situation or visit our online mortgage center. The mortgage refinancing calculator found belowwill help you estimate monthly payments.
It is important to me that you feel comfortable through the entire mortgage process. Whether you’re a first-time home buyer, ready to refinance, or applying for a home equity loan, your application is important and I will work hard on your behalf.
Meggan Tedford
Mortgage Loan Officer
Mortgage lending isn’t just making a loan. It’s about building a relationship with our members to help them achieve their financial goals and providing the best option for their financial success. As we work together, I enjoy teaching about the lending process and providing information that will be useful for years to come.
Mortgage FAQs
Here are some steps to help you prepare when buying your first home:
Pay attention to your credit score and improve it if necessary
Save money for a down payment
Save for additional home buying costs (inspections, insurance, title, appraisal, closing fees, etc.)
Get prequalified for a mortgage loan
Start looking for a home!
Avoid doing all of the following right before or during the purchasing process:
Buying big ticket items, such as: cars, furniture, boats
Quitting or changing jobs
Opening or closing any lines of credit
Paying bills late
Moving money between accounts or making large deposits (other than your paycheck) to your accounts
Cosigning for a loan
Yes. That number could vary based upon individual circumstances. We will review your credit history and ability to repay.
A mortgage is the instrument that allows you to purchase/finance your home. As you make monthly payments on your mortgage you build equity.
A home equity loan uses the built up equity in your home loan to serve as collateral for an additional loan.
