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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

The Buffalo Gap Road Branch Is Open!  We’re excited to welcome members to our repaved and remodeled office.

Weather Alert

The credit union is open today for normally scheduled hours, though our staffing is minimal.  We urge our members to stay safe and take advantage of our convenient mobile and online digital banking services.

Notice

January 27 at 8:30 – We thawed the pipes at our EN 10th Street branch and the lobby will be open today from 10 – 6.  The drive thru lanes are already in operation.  Stay safe on the roads!

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!

Branch Closure

In observation of Martin Luther King Day, all ATFCU locations will be closed on Monday, January 19.  Learn how a Monday banking holiday might affect your expected transactions.

Branch Closure

Happy 2026!  All ATFCU locations will close at 3 pm on New Year’s Eve and remain closed on New Year’s Day.  Normal hours will resume on Friday, January 2. ... Read more

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

enjoying scenery on road trip
Buying a Used Car or Light Truck

Score a deal. Avoid lemons.

Let the buyer beware


Now that new autos and light trucks are back in good supply, purchasing a used vehicle can be an excellent choice. That’s because you’ll avoid the rapid depreciation that affects most new models. Do your homework ahead of time and avoid problems down the road.

Research is not optional


Get the vehicle history

Obtain the vehicle’s VIN number, the manufacturer’s 17 digit serial number. This can usually be seen by looking through the windshield on the driver’s side. Another common spot is inside the driver’s door.

Navigate to Carfax. Reports begin at $44.99 each with discounts available for multiple reports. It’s not free, but it could save you a bundle. The history report will tell you:

  • if the vehicle was totaled in an accident and then salvaged
  • if the vehicle has suffered flood damage
  • if the odometer has been rolled back
  • if this vehicle has a history as a “lemon”
  • if there are any junked titles or lien activity on this vehicle
  • how this vehicle has been used (taxi, rental, lease)
woman relaxing in car

Learn more about makes and models


Smart Start, our automotive research site, gives you the ability to compare manufacturers, body styles, editions within a model line; even build and price your dream car.  All on one page, without having to juggle multiple open tabs. Plus, it’s just a whole lot of fun! Take the wheel today.

White SUV in meadow

Take a test drive and kick the tires


Check for these common problems:

  • Make sure all door and hood joints line up evenly
  • If the oil is black and thick, it’s a fair bet that the vehicle has not been maintained properly
  • Check the tire tread for uneven wear. That could indicate an alignment problem
  • Hear knocking or creaking noises when going over bumps? It might be a bad suspension
  • On a test drive, remember to drive at a high enough speed to allow you to shift into overdrive
  • When accelerating during a test drive, look for smoke in your rear view mirror
  • Check for oil spots under the vehicle after the test drive
  • Never buy a vehicle without an inspection sticker
friends laughing in car

How much will my payment be?


Research complete? Apply for an auto loan today.


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Call or text us

(325) 677-2274 – call or text

(800) 677-6770 – calls only