World Class Credit Cards.
Right Here at Home.
Great Cards with Local Support
Our rates are well below the national average and our friendly Abilene staff handles your questions. Take advantage of a card with numerous features, lower fees, and a highly competitive interest rate.
Cardholders have options to control their cards as closely as they wish. The Card Management feature found within the ATFCU app and/or the desktop banking platform allows members to instantly turn cards on and off, view transactions, set alerts, set spending limits, and more. In the app, Card Management is found by tapping the More icon on any screen. Members using desktop banking will find it on the ‘Additional Services’ menu.
Our cards have no annual fee, no foreign transaction fees (effective 11-1-25), and a low 1% balance transfer fee. Your card can be set up in digital wallets such as Apple Pay, Google Pay and Samsung Pay. A 24/7/365 Card Services team is available for your calls after regular business hours.
Select the Card that Matches Your Needs
-
Classic Credit Card
Our Classic card features a lower interest rate on purchases to keep your budget on target. In fact, our maximum interest rate of 18% is much lower than the national average* of 25.32%. Apply Now.
-
Rewards Credit Card
Our Rewards Card is a great fit for members interested in accumulating points for future purchases. Points can be redeemed for cash back, event tickets, gift cards, hotel rooms, airline tickets, merchandise and much more. If you are interested in upgrading your Classic Card to a Rewards Card, please contact a loan officer in person or by phone. Apply Now if you don’t already have an ATFCU Credit Card.
-
Savings Secured Credit Card
Are you looking to establish credit for the first time or trying to build your credit score? Our Savings Secured Credit Card is a smart and secure way to achieve your financial goals, featuring a fixed interest rate of 17.99%. Apply Now or Learn More.
Credit Card Contact Information
During business hours, please call one of our our main phone numbers, 325-677-2274 or 800-677-6770 and ask to speak to the Card Services Department.
On nights or weekends, the member service number is 888-999-7721.
See Today's Rates
|
Type of Credit Card |
Today's Interest Rate |
|---|---|
|
Type of Credit Card Classic Card |
Today's Interest Rate 10.49% - 17.49% |
|
Type of Credit Card Rewards Card |
Today's Interest Rate 14.49% - 18.00% |
|
Type of Credit Card Savings Secured |
Today's Interest Rate 17.99% |
Calculators are Pre-Programmed for your questions
Disclosures
*as reported by Forbes Advisor during the week of October 27, 2025