Coronavirus: Planning for the threat.

Last Updated June 1, 2020.

Lobby services are available by appointment only.

Austin Telco’s highest priority is the health and well-being of our members, staff, and the community we serve. As the spread of the coronavirus, known as COVID-19, continues spreading across Central Texas, Austin Telco is taking extra precautions to safeguard our members and employees.

In order to help prevent the spread of the virus, lobby services at all Austin Telco locations will be by appointment only. The loan, new accounts, and accounting departments will assist members electronically (email and DocuSign), via telephone, or by appointment only for special circumstances.

Members requiring special accommodations should contact our member call center at 512-302-5555 and press option "0" to be connected to a member service representative.

Call Center and Drive-Thru Hours

Drive-thru Hours:

  • Monday - Friday: 8:30AM - 5:30PM

Call Center Hours and Saturday Hours:

  • Monday - Friday: 8:30AM - 3:30PM
  • Saturday: 9:00AM - 12:00PM

Please note that our Oak Hil Drive-Thru locations cannot currently issue Visa Cards.

A note on our decision to reduce hours during this unprecedented pandemic.

Our employees are dealing with the same obstacles that many other members of our community are dealing with during this crisis.  Schools have closed, grocery stores have reduced hours, countless companies have closed completely, and young families have children who are unexpectedly out of school.  In order for us to keep all 24 of our locations open for our members, it was necessary to reduce our hours in order to have the proper staffing to not only man our drive through locations, but also to ensure our phone lines are answered promptly with a live person to assist our members.

We are doing everything we can to ensure the safety of our staff while continuing to provide access to our members.  Our electronic services allow the vast majority of our membership to not have to physically come to a branch.  All drive-thru locations have a night depository available.  For those that have no alternative, we are available to assist them.  The limited hours allows us to ensure that we have enough staff on hand while also accommodating those employees that must stay home with their children or sick family members. 

We also must practice social distancing in our branches to avoid spreading the virus.  We want to avoid having to close any branch due to this unprecedented pandemic. Many establishments have adjusted their hours for the same reasons. We are following CDC guidelines and local government orders to protect our staff while continuing to provide service to our members. 

Our goal is to keep our staff safe while continuing to provide essential financial services to our members. Stay Home Work Safe!

Access Your Account
  • Online and Mobile Banking: The app gives you easy access to your account and features mobile deposit, secur messaging, card center and more.

To download the Austin Telco FCU app, please select your designated app store below.

Available on the APP store logo.     Available on Google Play logo

  • Call Center: To speak with a member service representative, call 512-302-5555 and press "0" to be connected.  Monday-Friday: 9:00AM – 3:00PM. 
  • Drive-thru: Check our locations page to find one near you. (We have 24 locations to serve you.)
  • ATMs: Through the ATM Alliance, Austin Telco has over 300+ Free ATMs. Click here to find one near you.
We Are Here to Help

During these uncertain times, Austin Telco is committed to working with you. Many members of Austin Telco have been adversely affected by the virus and the financial burdens associated with the rapidly changing conditions.

To assist those that have been impacted by a reduction or total loss of income due to the pandemic, Austin Telco has implemented the following temporary measures to help ease the burden that they may be facing:

  • No share certificate early withdrawal penalties:
    Members who withdraw at least $5,000 from their certificate (or the entire certificate if the current balance is less than $5,000), will not have to pay any early withdrawal fees. This program will remain in effect thru June 30, 2020.
  • No loan late payment fees:
    Late payment fees on consumer loans, home equity loans, and commercial loans will be waived thru June 30, 2020.
  • Home Equity/Home Improvement Payment Deferral:
    Members with a home equity or home improvement loan that have been adversely impacted by the current situation can apply to have a loan modification and defer their payments by 90 days.
    To download the application, click here.
  • Payment deferment (Skip-A-Pay) of 60 days:
    Members who are currently no more than 30 days past due on their consumer loans can request to skip two payments.*

      There are three ways to set up Skip-A-Pay for your loan:
    • Online - Click the button below to electronically sign the form.
          (Electronic ID Verification will be required.)

    • Complete the Skip-A-Pay form and mail or fax it to:

          Austin Telco Federal Credit Union
          8929 Shoal Creek Blvd, Austin, TX 78757
          Fax: 512-302-3333
    • Local - Submit the coupon in person at any of our branch locations.

      To download the PDF coupon, click here.


Terms and Conditions

*Applies only to eligible consumer loans - Mortgage loans, home equity loans, term loans, and commercial loans are not eligible for this deferment program. All deferrals are subject to approval. Visa credit card deferment requests must be completed before March 31, 2020 to skip the April 25 payment. Please note that your skipped payments will be added to the end of your loan term and normal interest charges will continue to accumulate and may extend the loan maturity. Loans must have been open for at least 2 months with a minimum of one regular on-time payment made.

For members with Guaranteed Asset Protection (GAP) on their vehicle loan, skipping payments may reduce the amount of any potential claim; please refer to your GAP Policy for complete information. Other restrictions may apply.

For home equity or commercial loan relief, please call our loan service center at 512-302-5555 x 7194. For mortgage relief, please call the mortgage loan counseling department at 800-937-6303.

Please call 512-302-5555 and press "0" to be connected to a member service representative.

Safety of all Members and Employees

For the safety of all members and employees, please do not request a lobby appointment or use drive-up services if you:

  • Have been exposed to, or have been diagnosed with, COVID-19
  • Share a household or close relationship with someone who’s been exposed or diagnosed
  • Have recently traveled to an area outside the Austin area that has been identified as high-risk
  • Are currently exhibiting any symptoms associated with COVID-19.
Scam and Fraud Alerts

Corona Scam and Fraud Alerts

Beware Of Scams

Cybercriminals are hard at work exploiting our natural anxiety about the evolving coronavirus situation. Look out for suspicious email and text messages that may impersonate a company, charity, or government agency. The intent is to convince you to share sensitive information. Remember, we will never reach out to you, via phone or email, and ask for confidential information. If you ever have any doubt, hang up and contact us directly.

Coronavirus Stimulus Package Scams

Fraudsters haven't wasted any time with scams related to the coronavirus. In response to the federal stimulus package, the Better Business Bureau (BBB) reported that fraudsters have deployed  a variety of scams involving coronavirus stimulus checks. The scams target individuals ranging from all ages on social media, phone calls, and text messages in an effort to get their personal information.

It has been reported that one particular scam involves the potential victim receiving a phone call from the fraudster stating that they qualify for a $1,000 to $14,000 coronavirus stimulus payment. However, they will say that a processing fee will need to be paid first. Another scam targets seniors on Facebook, messaging them with a fake link to steal personal information with the false claim that they can apply for grants to help pay medical bills.

Fraudsters may also try to scam victims into giving out account information under the pretense of delivering a direct deposit stimulus check into their account.

Government agencies will never communicate to individuals through social media such as Facebook and Twitter nor will they ever ask for a processing fee to receive a grant. The only official list of all US federal grant-making agencies can be found at

As the list of scams continue to grow, we will continue to update this page to keep you informed of the most recent scams.

Cyber Scams

The United States Department of Homeland Security (DHS) and Cybsersecurity and Infrastructure Security Agency (CISA) has released a list of exploitations by cybercriminals during the coronavirus pandemic.
Click here to see the summary.

Scam Alert Resources

Federal Trade Commision

Trusted Resources on COVID-19
How can you get an SBA loan?

While Austin Telco is not an SBA lender, here's the information about applying for an SBA Disaster Loan.

How can you get an SBA disaster loan?

Where to start: Apply online by filling out the appropriate forms and providing your business’s information. Once you download the forms for your application, check off “economic injury” as your reason for filing. Then follow the instructions and fill in the necessary information. Once you re-upload your application, you can check the status of it at any time by visiting the website.

What you need: Be prepared with some financial information and supporting documentation related to your business, like two to three years of tax returns, last year’s financial statements, a year-to-date financial statement, property leases, and a working knowledge of your business and personal credit score. A full list of supporting documentation can be found at the bottom of your application form.

How long will it take: The average for SBA to issue a Disaster Loan decision is 21 days. Within that time frame, a loan specialist will be in contact with you to figure out the amount and parameters of the SBA disaster loan. Once the loan documents are signed, funds are deposited via ACH within 3 to 5 business days.

Next steps: Stay in touch with your SBA loan representative.


Congress approved the CARES Act to provide economic relief to individuals and businesses facing hardship or economic ruin due to COVID-19. One of the provisions of the act is the waiver of 2020 Required Minimum Distributions from certain retirement plans, which includes IRAs. Please see below answers to common questions:

Q. What types of retirement plans are covered by the 2020 RMD waiver?

A. IRAs (including SIMPLE IRAs and SEP IRAs) and defined contributions plans (such as 401(k) and 403(b) plans) are covered by the 2020 RMD waiver.

Q. Who is eligible for a waiver of the 2020 RMD?

A. IRA owners, including beneficiaries, will not be required to take a 2020 RMD from their IRAs or Inherited IRAs. The RMD waiver also applies to individuals who turned 70½ in 2019 but did not take their RMD before January 1, 2020. The same participants in defined contributions plans are also covered.

Q. What if an IRA owner or beneficiary doesn't want their RMD waived?

A. The CARES Act waives the 2020 RMD, but IRA owners or beneficiaries may always withdraw money from their IRAs or Inherited IRAs as needed. The 2020 RMD waiver simply means that they aren't required to take a minimum distribution in 2020.

Q. What if an IRA owner has already taken his 2020 RMD?

A. If an IRA owner took a distribution in 2020, he may be able to roll over the distribution, but only if it is within 60 days of receiving the distribution, and if all of the other rollover requirements are met.

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