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Credit Union Difference

Member Service

Initially, it may be difficult to see the difference in the types of services offered by credit unions or banks and savings and loans. However, once you do business with a credit union, you will recognize that there is a world of difference in the attitude and the quality of service which credit unions provide to their members.

Member Owned

Credit unions are not-for-profit financial cooperatives. They give consumers the choice of ownership, because they are owned by the very people they serve. Credit unions exist solely to serve their members, not to enrich an outside group of stockholders.

Volunteer Board of Directors

Credit unions are run by a board of directors, who are volunteers elected by their peers. The board of directors establishes the policy of the credit union. In addition to being an owner, each member, regardless of how much he or she has on deposit, has an equal vote in director elections. Credit unions are democracy in action.


Credit unions are placed in a not-for-profit category because operating income is returned to depositors in the form of higher savings rates and lower loan rates and fees. Credit unions serve as a healthy check on the for-profit banking system. Competitive pricing by credit unions keeps pressure on the banks to increase the rates they pay on savings accounts and lower their fees and rates on loans - all to the benefit of consumers.

Safe and Strong

ATFCU has remained a strong and growing financial institution because of sound management, prudent investments, moderate lending practices, efficiencies in operations and a stable membership. To check out our latest numbers which are updated quarterly, read our newsletter.

We remain steadfast in our commitment to anticipating and meeting the financial needs of our members, as well as making a positive difference in their lives and the community, both today and tomorrow.

  • Free Products and Services
  • Free Personal Checking with no minimum balance
  • Free Business Checking with no minimum balance
  • 300+ Free ATMs
  • Free Financial Calculators
  • Bill Pay
  • Free Online Banking
  • Free Phone Banking
  • Free VISA Debit Card
  • Free eStatements
  • Free eNewsletters
  • Free Mailed Statements
  • Free In-person Service