If the child is 16 or older, they must have a government issued ID.
Child's Social Security Number
Adult 18 years old or older as a joint owner, with their government-issued ID and Social Security Number.
$5 deposit required to remain in the True Youth Savings Account as their share of the credit union for as long as the account is open

What do I need to open a new account?

Here's what you'll need to have to open an account:

Your Social Security Number or Individual Tax Identification Number (ITIN)
State issued drivers license with photo or Texas DPS Identification card with photo, valid U.S. Passport, valid foreign issued passport w/ photo and U. S. stamp, an Employment Authorization Card, or Texas Issued Concealed Handgun License (CHL) with photo.
A credit or debit card or U.S. checking or savings account to fund your new account
You must be 18 years of age or older to be the primary owner
You must be a US Citizen to apply online

Who can join Austin Telco Federal Credit Union?

Membership eligibility is available to individuals who:

Live, work, worship, attend school, or volunteer in Travis, Williamson, Hays, Bastrop, Caldwell, or Burnet County.
Immediate relatives of eligible individuals
Organization of eligible individuals

What documents do I need to open a membership account?

To open an account online, you need your SSN or ITIN; valid photo state identification card such as a driver's license, passport, EAD, or CHL; and a funding source (credit/debit card or U.S. bank account).

Accounts

Can you withdraw money from a share certificate?

Yes, you can withdraw money from a share certificate, but it often comes with penalties if done before the certificate's maturity date. These products are designed to encourage long-term saving, so early withdrawal can result in losing some or all of the earned dividends.

What is a youth share certificate?

A Youth Share Certificate is a savings product aimed at helping young individuals begin their journey in budgeting, saving, and investing. With features like a low minimum opening balance, no monthly fees, and monthly dividends, it fosters financial literacy and helps young savers build a stable financial foundation.

How to open a youth savings account?

To open a youth savings account, visit Austin Telco Federal Credit Union with the necessary documents, including the child's Social Security Number and a government-issued ID (if 16 or older), plus the adult's ID and SSN. Complete the application, make an initial deposit (often $5), and set up online access for easy account management.

What is a youth savings account?

A youth savings account is designed to help children and teenagers learn financial basics, such as saving and managing money, often with no monthly fees and low minimum deposits. These accounts typically require joint ownership with a parent or guardian and offer online tools for monitoring and education. They serve as a foundation for building lifelong financial habits and responsibility.

Do IRA accounts earn interest?

Yes, IRA accounts can earn interest, depending on your chosen investment options. Traditional savings-style IRA accounts and certificates (CDs) provide interest, while investment-based IRAs can yield dividends or capital gains. For a personalized strategy, consider consulting a financial advisor.

How many Roth IRA accounts can I have?

You can have multiple Roth IRA accounts, but the total contribution across all accounts cannot exceed the annual limit set by the IRS. For 2025 and 2026, this limit is $7,000, or $8,000 if you're age 50 or older and taking advantage of the catch-up contribution. These contributions aren't deductible, but qualified withdrawals are tax-free. Always consult with a tax advisor to ensure compliance with current regulations.

How do share certificates work?

Share certificates at credit unions like Austin Telco Federal Credit Union function similarly to bank CDs, offering a fixed term and competitive dividend rates. They require funds to remain deposited for the term's duration, with penalties for early withdrawal, and can be opened online or through mobile banking. Dividends may be transferred, compounded, or paid directly to the member.

Which is better, a CD or money market account?

Choosing between a CD (Certificate of Deposit) and a money market account depends on your financial goals. A CD offers fixed, often higher interest rates for locking in your funds for a specific term, making it ideal for long-term savings. A money market account provides greater flexibility with unlimited access to your funds and competitive rates, suitable for those who might need quick access to their savings.

What exactly is a money market account?

A money market account is a savings solution that combines higher dividend rates with the flexibility of unlimited withdrawals and deposits. At Austin Telco Federal Credit Union, it offers competitive rates without monthly service fees and is federally insured by the NCUA up to $250,000.

How do I open a savings account?

To open a savings account at Austin Telco Federal Credit Union, simply visit our website or a local branch. You'll need to provide identification and a minimum deposit of $5, which represents your ownership in the credit union. For more details, contact us.

Is it good to open a savings account with a credit union?

Opening a savings account with a credit union like Austin Telco Federal Credit Union offers personalized service and competitive rates with no monthly service fees, allowing you to save efficiently. Credit unions are member-owned, meaning your interests come first, making them an excellent choice for your financial needs. Enjoy easy access with 24/7 digital banking and over 300 surcharge-free ATMs.

What does a savings account do?

A savings account securely stores your money while earning interest, helping you grow your funds over time. Austin Telco Federal Credit Union's Regular Savings account offers 24/7 access, earned dividends, and no monthly service fees, making it an ideal choice for financial planning and security.

Does Austin Telco charge overdraft fees?

Members have the option to allow Overdraft on their account, which has a per item fee of $27.50. If the member wants Overdraft Transfers set up, which allows funds to be moved over from another Share on the account, it's $5.00 per request.

Is there a minimum balance requirement for savings accounts?

For your primary savings, there is a minimum balance of $5 which represents your ownership of the credit union.

How can I switch my direct deposit to Austin Telco?

The easiest way to switch your Direct Deposit over to ATFCU is through ClickSwitch within our Digital Banking platform. Learn more about ClickSwitch

Can I split my direct deposit?

If your employer doesn't allow splits, you can set up an automatic transfer within ATFCU when your paycheck posts.

Are there fees for Early Direct Deposit?

No, this service is FREE for members.

Why didn't my deposit arrive early or at all?

It may be that ATFCU hasn't received the EFT notification yet, or the deposit isn't set up properly. Check with your payer or employer.

How do I set up direct deposit?

In Digital Banking, go to 'Services' and then ClickSWITCH to move your direct deposit.

What is Early Direct Deposit?

With ATFCU, direct deposits like payroll, benefits, or tax refunds may post up to two days early once the credit union receives notification.

I opened my account online. Can I still visit a branch to get my debit card?

Yes, you're welcome to visit a branch to receive an instantly issued debit card. However, please note that once your new account is finalized, a debit card is automatically mailed to the address on file. Delivery typically takes 7 - 10 business days.

If you choose to visit a branch for an instant issue card, the mailed card will be deactivated and replaced. You should securely discard the mailed card once it arrives, as it will no longer be valid.

How do I update the name on my account?

To update your name on your account, we require the following:

A valid, government-issued photo ID (such as a State Driver's License or Texas ID card) showing your new legal name.
A signed Account Change Card from the individual requesting the name change.

This request can be completed in person at any branch or submitted via secure message through online banking. If submitted digitally, please attach a copy of your updated ID. We will then send the Account Change Card to you via DocuSign for signature.

How can I withdraw funds from my share certificate?

Withdrawals from share certificates cannot be made through the mobile app or digital banking. To request a withdrawal, please send us a secure message through digital banking. One of our employees will review your request and complete the transaction for you. Optionally, you can come into one of our locations.

How do I close my ATFCU account?

Accounts can be closed in person or through secure email with the completion of an account closure form by the primary account holder.

All loans must be paid and the account must be in good standing. Card access and digital banking access will be terminated at account closure. Members are responsible to ensure that all transactions have cleared the account and deposits are cancelled. Any member initiated or approved transactions not yet processed at the time of closure may still be negotiated and any negative balance will be the members responsibility.

How do I open a trust account?

To open a Trust account at Austin Telco FCU, the trustees must first meet our membership eligibility requirements. This means the trustees must live, work, worship, attend school, or volunteer in Travis, Williamson, Hays, Bastrop, Caldwell, or Burnet County, or be an immediate family member of someone who does.

You'll need to provide the following:

A copy of the Trust Agreement for review
The EIN (Employer Identification Number) for the trust, if applicable

Each trustee must also:

Sign the account-opening documents
Provide their personal contact information (email and phone number)
Provide their Social Security Number or Taxpayer Identification Number
Submit a valid government-issued photo ID
Make a single $5 minimum deposit to open a required savings account (this establishes membership)

If you have any questions or need help gathering these documents, feel free to contact Member Services at 512-302-5555 during regular business hours.

How do I add a joint to an account?

Adding a joint owner to your account does require an account change card to be signed by all parties currently on the account and the person being added. We'll need to collect valid identification for the new joint owner and personal information to include current address, SSN, phone number and email address. This request can be completed at any local branch.

If you are unable to visit a branch location for this, please contact us at 512-302-5555.

How do I open an estate account?

To open an estate account, the executor must first meet our membership eligibility requirements. This includes living, working, worshiping, attending school, or volunteering in Travis, Williamson, Hays, Bastrop, Caldwell, or Burnet County, or being an immediate family member of someone who does.

You'll need to provide the following documentation and information:

Letters Testamentary or Letters of Administration
The Estate’s EIN (Employer Identification Number)
The executor’s personal contact information (email and phone number)
The executor’s Social Security Number or Taxpayer Identification Number
A valid government-issued photo ID
A $5 minimum deposit to open a required savings account (this establishes your membership)

If you have any questions or need help gathering these documents, feel free to contact Member Services at 512-302-5555 during regular business hours.

Loans

What industries and property types do we finance?

ATFCU's commercial real-estate team can help you finance:

• Medical

• Dental

• Office

• Retail

• Multi-family housing

• Single Family Residential used for rental properties

• Flex Warehouses

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What type of commercial loans do you offer?

ATFCU offers a range of commercial loans including:

• Commercial real estate purchase/refinance

• Owner-occupied real estate

• Investment property loans

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How to get prequalified for a home loan?

To get prequalified for a home loan with Austin Telco Federal Credit Union, start by assessing your financial situation and gather necessary documents like pay stubs and bank statements. Contact our mortgage consultant, Mark Crowley and complete our easy online application. Once prequalified, you'll receive a letter stating your eligible loan amount, strengthening your position when making offers.

What are the requirements for a home equity loan?

To qualify for a Home Equity Loan with Austin Telco Federal Credit Union (ATFCU), there are several key requirements to keep in mind:

Homeownership: The property used as collateral must be a single-family, owner-occupied homestead property.
Equity: You can borrow against up to 80% of your home’s value, minus any existing mortgage balance. This means you'll need sufficient equity in your home.
Credit Approval: All loans are subject to standard credit approval, so a good credit score is essential.
Usage Intent: The loan can be used for various purposes like remodeling, debt consolidation, education, or other personal projects.
Loan Sizes and Costs: ATFCU pays standard closing costs for loans below $250,000, but loans above this may incur additional fees, and specific conditions may require an appraisal and other costs.
Tax Considerations: Interest may be tax-deductible, but it's advisable to consult with a tax professional to understand how it applies to your situation.
Loan Terms: Various fixed-rate loan terms are available, with repayment periods up to 30 years for first-lien home equity loans.

For more personalized information, contacting ATFCU's home equity specialists via phone or email can provide additional guidance tailored to your specific situation.

Can I refinance a home equity loan?

Yes, you can refinance a home equity loan with Austin Telco Federal Credit Union (ATFCU). Refinancing may allow you to secure a lower interest rate or adjust your loan terms, while also benefiting from no closing costs for loans under $250,000.

How do RV loans work?

RV loans at Austin Telco Federal Credit Union (ATFCU) offer competitive, low interest rates and flexible terms up to 120 months. You can finance your RV with a seamless application process designed for affordability. ATFCU provides expert assistance from start to finish, ensuring your adventure begins with financial ease.

How can I get a motorcycle loan?

To get a motorcycle loan at Austin Telco Federal Credit Union (ATFCU), apply online today. Enjoy competitive interest rates and flexible terms up to 60 months, all tailored to suit your needs.

Can I refinance my auto loan?

Yes, you can refinance your auto loan to potentially secure a lower interest rate or reduce monthly payments. Consider refinancing with ATFCU, where you can benefit from competitive rates and personalized terms tailored to your financial needs.

How does auto loan interest work?

Auto loan interest is typically calculated as a percentage of the loan amount, known as the Annual Percentage Rate (APR), and it affects your overall loan cost and monthly payments. Factors such as credit score, loan term, and vehicle type can influence the interest rate. Understanding these elements can help you make informed financial decisions and potentially lower your costs.

How does a Line of Credit work?

A Line of Credit offers flexible borrowing up to a pre-approved limit, functioning much like a credit card but without the card itself. You pay interest only on the amount used, and as you repay, funds become available again for future use—ideal for managing ongoing or unexpected expenses. With an interest rate as low as 9.90%, it provides an affordable and convenient financial solution.

What documents are required to apply for a mortgage?

To apply for a mortgage, you'll need documents like recent pay stubs, W-2 forms, tax returns, bank statements, and a government-issued ID. Austin Telco Federal Credit Union, in partnership with Member First Mortgage, LLC, offers a wide range of mortgage programs and expert guidance to make the process seamless. Contact our mortgage department for personalized assistance!

How do I apply for an auto loan?

You can apply for an auto loan by going to one of our lobby locations or applying online.

What types of loans does Austin Telco offer?

ATFCU offers a range of loans from auto, home, mortgage, credit card, and more. Whether it's building credit through a Deposit Secured loan or looking for that first house, we've got you covered.

Can I make loan payments online?

You can make loan payments online either through Digital Banking with your ATFCU account or through other payment options which can be discovered here.

How do I do a line of credit advance?

You can request a line of credit advance by phone, through digital banking, using the ATFCU mobile app, or by visiting any ATFCU branch. The funds will be deposited into your share account. Interest begins accruing on your new loan balance starting on the date of the advance.

Debit & Credit Cards

What credit score is needed for a Visa?

Austin Telco offers competitive interest rates and benefits like zero annual fees and fraud protection. Contact us today for specific eligibility criteria.

How do I report a lost or stolen debit card?

You can report a lost or stolen card through Digital Banking by going to 'Cards' on the main menu, selecting the card, and clicking 'Report lost or stolen card'.

How can I get a credit card loan advance?

You can request a credit card loan advance by phone, through digital banking, using the ATFCU mobile app, or by visiting any ATFCU branch. The funds will be deposited into your share account. You can also request a cash advance at any financial institution that offers this service. There is no cash advance fee on your Austin Telco card; however, interest begins accruing on the date of the advance. Please review your credit card agreement for full details.

Digital Banking & eServices

Can I deposit checks through the mobile app?

You can deposit checks through the Mobile App through Remote Deposit. If you do not see this option available to you, please reach out to us through a Secure Message or call us during regular business hours.

How do I set up alerts for my account activity?

To set up alerts for account activity, you first log into Digital Banking, click on 'Settings' and then click on 'Alert Settings'.

For card transaction alerts, go to Cards menu, select the card then select Alerts and follow the prompts.

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How do I enroll in Digital Banking?

Enrollment is available under 'Enroll in Digital Banking' on the website. See Digital Banking FAQ for assistance.

Why do I always get an error when I click Bill Pay that makes me log in again?

Bill Pay requires pop ups to be allowed on our Digital Banking Platform. If you have pop ups blocked, this could be causing the error to appear and forcing you to log in again.

Why is the Secure Access Code Sent via Text or Phone Call?

We send the Secure Access Code exclusively through a text message or phone call to enhance security. Text messaging and phone calls are more secure than email, which can be vulnerable to interception and phishing attacks. By using a text message or phone call, we ensure that your Secure Access Code reaches you directly and securely.

What is a Secure Access Code?

A Secure Access Code is a unique one-time use code sent via text message or call to the phone number we have on file for your account. This code is your key to accessing our Digital Banking services.

Retrieve my Login ID, or reset my password

Go to the Login screen on our website/mobile app and choose "Retrieve Login ID" or "Reset Password." Follow the prompts to recover or create credentials.

What is a username/Login ID?

A username, also known as a Login ID, is a unique identifier that you create to access your account. Unlike using an Account Number, a username is both personalized and easier to remember.

Why does my external account have a different number when linked through Plaid?

Institutions like Chase may use a virtual or tokenized account number (VAN/TAN) for secuity, this doesn't affect transfers.

ATMs & Branches

Are there fees for using ATMs outside of the network?

ATFCU will not charge you an ATM fee for using one outside of our network, but the owners of the ATM may still charge your account.

Where can I find Austin Telco ATMs?

You can find a list of our ATMs through our FREE Local ATM Locator.

Your ATM is down, how can I access my money if the branch is closed?

We understand how important it is to have quick access to your funds. While each of our branch locations has an on-site ATM, there may be rare occasions when a machine is temporarily unavailable. In those cases, you're still covered! ATFCU is part of the Alliance of Austin Credit Unions, giving you access to over 300 fee-free ATMs across the area. You can quickly locate the nearest available ATM by visiting our FREE Local ATM Locator.

How much will I be charged if I use a non-ATFCU ATM?

The fee you will be charged for using a non-ATFCU ATM is based on the owners of the ATM. ATFCU does not add additional charges for this transaction.

Can I deposit my coins at ATFCU?

Most branch locations can provide coin deposit services for Austin Telco members based on machine availability. Coin should not be rolled and member accepts deposit amount as calculated by the change machine.

How do I close my Safe Deposit Box?

Safe Deposit Boxes can be closed at the location of the box to ensure a final review of the box and removal of any contents can be completed. The two keys issued at the time of rental are also due back at the time of closure. A $10 key replacement fee will be applied if only one key is returned. If both keys are lost, a drill box fee will be applied.

Security

What should I do if I suspect fraud on my account?

If you suspect fraud on your account, contact us immediately during regular business hours or through a secure message. Keep a record of receipts and charges you believe are fraudulent. Depending on what type of fraud, it is recommended to change your password for added security.

Will Austin Telco ever ask me for my Secure Access Code?

To protect your account and personal information, it is vital that you do not share your Secure Access Code with anyone. Austin Telco will never contact you asking for your Secure Access Code.

If you receive such a request, it is a fraudulent attempt to gain access to your account. Hang up or don't respond to the text and reach out to us directly.

Remember: Do not share your Secure Access Code with anyone. Austin Telco will never ask for your Secure Access Code. Keep your phone number updated with us to ensure you receive your Secure Access Code.

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Address

11149 Research Blvd., Ste 300
Austin, TX 78759

Phone

512.302.5555 | 800.252.1310

atfcu@atfcu.org

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