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): [email protected] 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
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