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Credit Cards

World Class Cards. Right Here at Home.

Select the Card that Matches Your Needs

  • ATFCU rewards credit card features a silver background and a green stylized apple.

    Rewards Credit Card

    Join uChoose Rewards and earn points for each transaction made in the United States. Points can be redeemed for merchandise, cash back, event tickets, gift cards, hotel rooms, airline tickets and much more. Bonus points are available by shopping at participating retailers.  Apply Now.

  • ATFCU classic credit card features a green background and a silver stylized apple.

    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 27.65%. This is the card that was mailed to ATFCU cardholders during the conversion process in April 2024.  Apply Now.

Choose a Great Card with Local Support

Our rates are well below the national average and our friendly Abilene staff handles your questions. Take advantage of a fully loaded card with lower fees and a highly competitive interest rate.

Cardholders can control the cards as closely as they wish.  The Card Management feature found within the ATFCU app and/or the online 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.


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 Processing Department.

On nights or weekends, the member service number is 888-999-7721.

See Today's Rates

Mastercard Credit Cards


Annual Fee


**APR (Annual Percentage Rate) will vary with the market based upon the Prime Rate. Loan rate also continuously dependent upon credit score.


Mastercard Classic

Annual Fee



11.99% - 18.00%


Mastercard Rewards

Annual Fee



15.99% - 18.00%

Calculators are Pre-Programmed for your questions


*as reported by Forbes Advisor during the week of June 6, 2024