ABILENE TEACHERS

SAVINGS RATES
RATES*
APY**
$25 - 100
.10%
.100%
101 - 1,000
.25%
.250%
1,001 - up
.40%
.401%
$1,000 - 1,999
.10%
.100%
2,000 - 9,999
.25%
.250%
10,000 - up
.40%
.401%
$100 - up
.80%
.80%
3 Mo.
.40%
.40%
6 Mo.
.50%
.50%
12 Mo.
.60%
.60%
18 Mo.
.60%
.60%
24 Mo.
.60%
.60%
3 Mo.
.60%
.60%
6 Mo.
.70%
.70%
12 Mo.
.80%
.80%
18 Mo.
.80%
.80%
24 Mo.
.80%
.80%
Share Accounts/Savings
Share Draft/ Checking
MEMBER INFORMATION CENTER
325-677-2274
800-677-6770
Individual Retirement
Account
MAILING ADDRESS
P.O. Box 5706
Abilene, Texas 79608
Share Certificates $500 - $99,999
MAIN OFFICE:
3849 Antilley Road
BRANCH OFFICES:
2801 N. 6th Street
2555 Buffalo Gap Road
1181 E. N. 10th Street
349 N. Mockingbird –
drive thru only
HOURS OF OPERATION:
Antilley & N. 6th Street Lobbies –
9 am to 5 pm, Monday-Friday
Buffalo Gap Rd & E.N. 10th Street Lobbies –
10 am to 6 pm, Monday-Friday
All Drive-Thru Teller Facilities –
7:30 am to 6:00 pm, Monday-Friday
9:00 am to 2:00 pm on Saturday
INFO-LINE TELEPHONE BANKING:
676-4636 or 888-351-4636
E-MAIL (ANSWERED DURING
BUSINESS HOURS):
atfcu@abileneteachersfcu.org
abileneteachersfcu.org
We do business in accordance with
the Federal Fair Housing Law and the
Equal Credit Opportunity Act.
Jumbo Certificates $100,000 & Up
ABILENE TEACHERS
FE D E R A L C R E D I T U N I ON
October 2013
* All rates are subject to change. These rates were effective 10-1-2013.
** Annual Percentage Yield
Your savings at the credit union are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
LOAN RATES
CHECK OUT OUR NEW, LOWER
RATES ON NEW & USED VEHICLES
TERM
RATE
New Autos, RVs, Boats
1-72 Mo
2.75%*
New RVs (over $50,000)
73-120 Mo.
5.75%*
Used Autos, RVs, Boats
36-60 Mo.
3.50 - 5.00%*
Trailers, Motorcycles and ATV’s (new, titled only) 36-60 Mo.
8.75%*
Unsecured (signature)
36 Mo.
10.40%**
Share Secured
36-72 Mo.
2.00 - 4.00%**
MasterCard/Gold MasterCard
9.90%
Visa/Visa Gold
9.90%
Furniture and Appliances
36 Mo.
9.75%**
Personal Computers
36 Mo.
9.75%*
Vacation (April thru August) - $1,200 max
1-12 Mo
9.90%**
Holiday Loans (Oct. thru Jan.) - $1,200 max
1-12 Mo.
9.90%**
Home Equity Loans
10-20 Yrs.
4.75%-6.75%
Home Improvement Loans
10-20 Yrs
5.00-7.00%
First Mortgage Loans
30 Yrs.
As low as
4.50%^
*Subtract .25% for payroll deduction or automatic transfer deduction
** Subtract .50% for payroll deduction or automatic transfer deduction
All rates are subject to change. These rates were effective 10-1-2013. All rates are annual percentage rates.
^Competitive first mortgage rates can be browsed on our website. Look for the “Home Loans” option on the “Lending Services” drop down menu.
In the last decade, $883,000 has been contributed by our
members to the Boys and Girls Clubs. With holiday spending on
the horizon, consider taking advantage of this dual opportunityyou can put some extra cash in your pocket and support an
effective, hard-working organization. You can learn more
about the B&GCA mission and operations by visiting
their website, abilenebgc.com.
he ever-popular Skip-APayment program is back
for 2013! Here’s how it
works - members in good
standing can choose to skip
one or two loan payments
during November,
December and January. A modest fee
of $10 is collected for each month
skipped. The entire fee is then
donated to The Boys and Girls Clubs
of Abilene to assist their valuable
work with Abilene’s children.
Give us a call or visit one of our branches
to find out if you qualify for Skip-A-Pay.
Please Note - If your loan payment is being
made automatically from an account at
another financial institution or is being drafted
automatically from another financial institution,
please contact us at least 5 business days in advance of your
payment date. Likewise, if your loan payment is being made by
automatic transfer from an account at ATFCU, we also need at
least 5 business days’ notice in order to handle the modifications.
PLEASE NOTE: Skip payments are subject to ATFCU approval and are not available for real
estate, home equity, home improvement, overdraft, instaloan or credit card loans. New loans
that have not had at least one full monthly payment are not eligible. Full insurance coverage
must be in effect for vehicle loans.
Other restrictions may apply. Payment skips or extensions will affect interest accrual, final
payoff date, and equity in collateral.
Congratulations ATFCU Scholars!
Abilene Teachers FCU is pleased to announce the recipients of our 2013 scholarships. These 13 outstanding students
graduated from high school this past May and exemplify the varied interests and backgrounds of ATFCU members.
All honorees received a $1,000 scholarship to help them achieve their educational dreams.
Board Member Nominations – Members
interested in submitting a candidate for the 2014
Board election should send their nomination to the
attention of the Nominating Committee,
P.O. Box 5071, Abilene, TX 79608.
Monster Mash 5K Dash
ATFCU has scheduled a
family-friendly 5K run/walk
for Saturday, October 12 at
Redbud Park. The date is
close to Halloween so your
most creative racing costumes
are encouraged! A costume contest (with prizes,
of course) will take place prior to the race. The
starting line and the costume contest will be near
the YMCA Building at Redbud Park. All proceeds
will benefit the Abilene March of Dimes. For more
information, ask a teller for a registration form or
click on the Monster Mash icon on our homepage,
abileneteachersfcu.org
Have you been looking for Loan
Officer Christie Fraser at Southside?
She’s not there because she’s been
promoted to Loan Supervisor!
Please drop by to see her at her new
office at the Antilley Road location.
Congratulations to Christie and
our deep thanks to Bobbie Cauble
who retired on Sept. 30 after 22 years of service to
Abilene Teachers FCU.
The U.S. Congress is back in session and we’d like
to encourage all ATFCU members to contact their
Representative and Senator and tell them DON’T
TAX MY CREDIT UNION! You’ll find an entertaining
and informative video on our homepage or you
can visit donttaxmycreditunion.org for more
information, including the addresses of your elected
representatives.
Dream Car.
Dream Loan.
AskAuto™ App.
Shopping for a car can be
a complicated, stressful
experience. What if you
could find help to make
the process easier? Now
you can, with our new
AskAuto app for your
smartphone or tablet.
Nathaniel Estrada
Catherine Frazier
Abilene High
McMurry University
Abilene High
Oklahoma City University
CharlesAnn
Freeman
Cooper High
Harding University
Katelyn Goodman
Meredith Haney
Abilene High
Abilene Christian
University
ATEMS
Friends University
The AskAuto app is a
powerful research and lending tool that can help
you shop for your dream car and apply for a great
loan through Abilene Teachers Federal Credit Union.
We anticipate that the AskAuto program will be
available to our members by mid-October. Please
watch the News section of our website for the
exact date. In the meantime, we can promise you
that you’ll never have to deal with a pushy car
salesman again!
Brennan Harris
Meagan McCright
Madison Moore
Caleb Perkins
Samuel Raymond
Jim Ned High School
Texas A&M
Wylie High
Texas A&M
Abilene High
Texas A&M
Wylie High
Texas A&M
Albany High
Angelo State
Matthew Turner
Joshua Waldo
Jim Ned High
Texas A&M
Clyde High
Texas A&M
Mary Catherine
Walker
Abilene High
Belmont University
Recipients are primary members
of ATFCU and were chosen based
upon academic achievement,
extracurricular activities,
work experience and financial
responsibility. Applications for
next year’s scholarship program
will be available online
and at all credit union
locations on
February 28, 2014.
HOLIDAY
CLOSINGS
Columbus Day ............Monday, October 14
Veterans Day.......... Monday, November 11
Thanksgiving....... Thursday, November 28
Christmas Day....Wednesday, December 25
New Year’s Day....... Wednesday, January 1