Austin Telco Credit Union Austin TX | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Austin Telco, your trusted partner in financial services located at 4446 Frontier Trl, Austin, TX 78745. Since our establishment in 1941, we have been dedicated to serving our community with reliable banking solutions tailored for every member of the family. With a total membership of 92,839 and assets exceeding $2.5 billion, we are proud to be a cornerstone of financial support for individuals and businesses alike. At Austin Telco, we understand that every financial journey is unique. That's why we offer a diverse range of services from personal banking, including checking and savings accounts, to auto loans, mortgage refinancing, and credit cards with rewards. Our commitment to your financial health is reflected in our impressive portfolio of over 54,000 loans and leases, ensuring that we can meet your needs no matter how big or small. While members can visit us at our branch location, official correspondence should be sent to 11149 Research Blvd, Austin, TX 78759. We invite you to reach out to us at 512-302-5555 for any inquiries or assistance you may need. Our leadership team, headed by CEO Robert Hernandez and Board President David Westlund, is dedicated to fostering a community-focused environment where our members come first. As part of our ongoing mission, we strive not only for financial success but also for meaningful community impact. With total deposits amounting to $105,238,844 and a net worth of $334,000,581, we stand strong in our commitment to providing secure and accessible banking options. Additionally, our cash reserves of $9,676,199 ensure that we are well-prepared to serve you at any time. Join us today as we continue our tradition of excellence in service and community support. Whether you're looking to open an account or explore loan options, visit us online at Austin Telco or stop by the branch we're here to help you achieve your financial goals!

Branch History & Mission

A Legacy of Service

Over the decades, Austin Telco has evolved to meet the changing needs of our members. We started with modest offerings and have expanded to provide a range of services, including checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking solutions. Our total assets now stand at an impressive $2.5 billion, reflecting our commitment to stability and growth for our members.

Community Focus

At Austin Telco, we believe in giving back. Our partnerships with local organizations allow us to support community initiatives that matter most. We are not just about transactions; we aim to build relationships that uplift those around us. While members can visit us at 4446 Frontier Trl Austin Tx 78745, official correspondence should be sent to our mailing address at 11149 Research Blvd, Austin, TX 78759.

Join Us!

As we look toward the future, we invite you to become part of our growing family. Experience firsthand how Austin Telco can help you navigate your financial journey while enjoying personalized service rooted in community values. Visit us or call us at 512-302-5555 today! Together, let's build a brighter tomorrow.

Our Mission

Our mission is simple yet powerful: to enhance the financial lives of our members while making a positive impact in our community. We strive to offer accessible financial services that empower individuals to achieve their goals. Whether you are looking for assistance with budgeting or seeking financing for your dream home or vehicle, we are here to support you every step of the way. We understand the importance of convenience in today's fast-paced world. That's why we provide various digital banking options such as online banking and mobile applications. While we don't have ATM availability at this location, our drive-thru service offers quick access for deposits and withdrawals during convenient hours: Monday through Friday from 8:30 AM to 5:30 PM and Saturday from 9 AM to 12 PM.

Branch Location & Accessibility

Convenient Access and Features

At our Austin location, we prioritize accessibility for all members. The branch is ADA compliant, ensuring everyone can navigate our space with ease. If you're driving, you'll find ample parking available so you can park comfortably before heading inside. Plus, for those who prefer a quicker visit, we offer drive-thru banking services where you can handle deposits, withdrawals, and other simple transactions without leaving your vehicle.

Operating Hours

We know that your time is valuable! That's why our lobby hours are designed to accommodate your busy schedule. Join us Monday through Friday from 8:30 AM to 5:30 PM and Saturdays from 9:00 AM to 12:00 PM. We're eager to assist you during these times!

Stay Connected

If you have any questions or would like more information about our services such as personal banking accounts, auto loans, or business banking options, feel free to give us a call at 512-302-5555. While members can visit us at 4446 Frontier Trl for in-person assistance, official correspondence should be sent to our mailing address at 11149 Research Blvd, Austin, TX 78759. We look forward to welcoming you to the Austin Telco branch soon! Come by and see how we can support your financial journey today.

Member Eligibility

Becoming a member of Austin Telco is like joining a warm, welcoming family that truly cares about your financial well-being. If you're looking to be part of our community, you'll be happy to know that membership is open to anyone who lives, works, worships, or attends school in the area around 4446 Frontier Trl Austin Tx 78745. Plus, if you have a family member who's already a member, you can easily join too! We believe in making banking accessible and friendly, so you can enjoy all the benefits of being with us from personalized service to competitive rates on loans and savings accounts. Ready to take the next step? Opening an account is straightforward! Just check out our detailed eligibility criteria at https://www.atfcu.org/about/membership for more information. When you're ready to enroll, visit this link or give us a call at (512) 302-5555. We can't wait to welcome you into our community!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, we offer merchant services that make daily transactions easier. Imagine having a reliable partner who simplifies payment processing so you can focus on what matters growing your business. Our services can help streamline payments, manage cash flow, and enhance customer satisfaction. Located at 4446 Frontier Trl Austin Tx 78745 in Austin, TX, we invite you to discover how our business banking solutions can empower your entrepreneurial journey. Let us help you take your business to the next level! For more information, call us at (512) 302-5555 or visit our website at Frontier.

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $152 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $5 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $116,847,453, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Solutions

For business owners, we provide comprehensive services tailored to help your business thrive. Our business banking offerings include merchant services that simplify transactions and keep your cash flow healthy. We also offer various types of business loans designed to meet different needs from expanding operations to purchasing equipment.

Connect with Us

At Austin Telco, we believe in empowering our members with the tools they need for financial success. If you have questions about any of our services or want assistance finding the right solution for you, don't hesitate to reach out! Call us at (512) 302-5555, or visit us during our lobby hours Monday through Friday from 8:30 AM to 5:30 PM and Saturday from 9:00 AM to 12:00 PM. Explore all that we offer by visiting our website at Frontier, where you'll find more information on how we can assist you on your financial journey!

Digital Banking Features

We know convenience is key in today's fast-paced world. That's why we offer robust online and mobile banking options so you can manage your accounts anytime, anywhere. You can check balances, transfer funds, and pay bills with just a few clicks on your device. Plus, our person-to-person payment feature makes it easy to send money to friends or family instantly.

Drive-Thru Convenience

While many transactions can be handled online, we still value face-to-face interactions. Our basic drive-thru banking service allows members to make deposits, withdrawals, and simple transactions quickly without leaving their cars perfect for those busy days when time is tight.

Personal Banking Services

For individuals and families, our personal banking services include checking and savings accounts that help you manage your daily finances efficiently. Imagine easily keeping track of your spending while also saving for future goals whether it's a vacation or a new home. Our auto loans and vehicle financing options make it simple to get behind the wheel of your dream car without breaking the bank. If you're considering purchasing a home, our mortgage loans and refinancing services can guide you through the process with competitive rates and flexible terms. And if life throws unexpected expenses your way, our personal loans and debt consolidation solutions offer quick access to cash when you need it most. Plus, don't forget about our rewarding credit cards, which come with great benefits that can enhance your everyday spending.

Digital & Online Banking

Key Services

With our online banking platform, you can easily check your account balance, transfer funds, and pay bills all from the comfort of your home or on the go. Our user-friendly mobile application gives you instant access to your accounts, making it simple to manage your money right from your smartphone.

Real-Time Management

Need to send money quickly? With our person-to-person transfer feature, sending cash to friends or family is just a few taps away. Whether it's splitting a bill or helping someone out, our service makes it effortless. And with 24/7 online banking services, you can manage your accounts whenever it suits you best. At Austin Telco, we're committed to providing you with modern banking solutions that fit your lifestyle. Experience the ease and security of our digital banking today!

Security & Convenience

We take security seriously. Our electronic signature authorization ensures that all your transactions are safe and verified. Plus, with e-statements available, you can stay organized without the hassle of paper clutter. You'll receive timely updates directly to your inbox, making it easier to track your finances.

Financial Strength

Commitment to Growth

Our commitment to our members is further supported by our $319,474,077 in undivided earnings. We reinvest these funds into innovative banking tools, stronger lending options, and enhanced security measures to serve you better. With $30,066 in used auto loans and $1,696,182,882 in total loans and leases, our lending capacity supports your financial goals across various sectors.

Member-Centric Savings

Members' savings are secured through $564,053,463 in share certificates and $249,972,656 in money market shares. These options provide stable and rewarding financial growth opportunities tailored for you. Unlike traditional banks, we prioritize our members; with non-member deposits at $248,464,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our net income of $12,237,041, which allows us to keep offering competitive loan rates and solid financial products for our members. We also take pride in having 235 full-time employees and 42 part-time employees who are dedicated to serving you with a knowledgeable team ready to assist whenever you need it.

Solid Financial Health

With a net worth of $334,000,581, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. This strength is reflected in our net worth ratio of $1,328, which demonstrates a solid capital foundation. This means we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Strong Membership Base

With 179,655 total share accounts, we show a strong and growing member base that trusts us with their finances. Our net shares (funds available for lending and investments) stand at $0, further reinforcing our ability to support your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Austin Telco is your trusted partner. Visit us at 4446 Frontier Trl Austin Tx 78745 or call (512) 302-5555 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.*

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We've already issued $169,485,638 in new vehicle loans and $461,203,827 in used vehicle loans, helping members get on the road with ease. If you're interested in refinancing your current auto loan, we can help you explore eligibility options that might save you money.

Credit Lines

For those who need ongoing access to funds for various needs, our total credit lines amount to $1,126,024,727. This product offers members a safety net for emergencies or planned expenses.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $182,725,307. We simplify the process of buying or refinancing your home so you can focus on what matters most.

Supporting Your Financial Journey

At Austin Telco, we prioritize understanding your unique situation and providing personalized service. Whether you're applying for your first loan or seeking to refinance an existing one, our experienced team is here to guide you every step of the way. If you have any questions about our loan offerings or would like to discuss eligibility criteria in detail, feel free to reach out at 512-302-5555 or visit us at 4446 Frontier Trl Austin Tx 78745. Your financial well-being is our mission!

Unsecured Credit Card Loans

Managing day-to-day expenses or unexpected costs is easier with our unsecured credit card loans. We currently have a total of $7,653,262 in these loans available to help our members effectively manage their finances. This flexible option allows you to access funds when you need them without tying up your assets.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. This tool is designed for those who want clarity and accuracy in their loan search. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This approach guarantees that users receive fair and transparent offers tailored to their financial needs. The benefits of using LendMesh are clear: - Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. Users can trust that the information provided is not only accurate but also reflects current market conditions. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This means you get a level playing field when comparing rates. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, LendMesh helps users make informed decisions quickly and effectively. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights the practical benefits of utilizing this tool. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

AUSTIN TELCO FEDERAL CREDIT UNION