World Class Cards. Right Here at Home.
On hand when you need us
Our rates are awesome and our local staff handles your questions. What’s not to like?
Here’s the low down on our cards
Low rates and low fees to keep your budget on track. ATFCU offers four cards – Mastercard, Gold Mastercard, VISA and VISA Gold.
No matter which card you choose, you’ll find the following features:
- No annual fee
- 9.9% non-variable rate1
- 1% balance transfer fee
- $0 cash advance fee
- 1% foreign currency fee
- 25 day grace period on interest
- $17 late fee
Gold cards offer credit lines of $7,000 to $20,000. Standard cards have credit lines of $500 to $7,000.
A low interest rate matters. Not kidding.
Our card won’t cook you breakfast, give you cash back or provide hard-to-use points. Instead it gives you what you really need – lower monthly payments due to a lower interest rate.
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Card Balance
Card Balance
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Desired Payoff Period
Desired Payoff Period
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Interest Rate
Interest Rate
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Monthly Payment
Monthly Payment
-
Interest Charged over 60 months
Interest Charged over 60 months
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Total Paid over 60 months
Total Paid over 60 months
ATFCU Gold Card
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Card Balance
$10,000
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Desired Payoff Period
60 Months
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Interest Rate
9.90%
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Monthly Payment
$212
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Interest Charged over 60 months
$2,719
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Total Paid over 60 months
$12,720
Average Interest Rate Card2
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Card Balance
$10,000
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Desired Payoff Period
60 Months
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Interest Rate
17.28%
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Monthly Payment
$250
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Interest Charged over 60 months
$5,002
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Total Paid over 60 months
$15,002
High Interest Rate Card2
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Card Balance
$10,000
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Desired Payoff Period
60 Months
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Interest Rate
24.99%
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Monthly Payment
$293
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Interest Charged over 60 months
$7,607
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Total Paid over 60 months
$17,607
Put our calculators to work
Picture your mailbox. Another day – another credit card offer, right? See how they stack up.
Credit Card FAQs
- Business hours – call (325) 677-2274 or (800) 677-6770.
- Non-business hours – call 800-442-4757
Please contact a loan officer in person or by phone to request a credit increase.
9.90%. While we cannot legally call this a fixed rate, it has not changed in the last 20 years. If you qualify for promotional rates, you will receive notice in the mail.
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Disclosures
1 9.9% is the Annual Percentage Rate. It has not changed in the past 20 years.
2 As stated on wallethub.com on 10-5-2020