Business Details
50+ Years
experience
Your Trusted Financial Partner in Austin, TX
Austin Telco Federal Credit Union has been serving the Austin area since 1941, operating as a member-owned, not-for-profit financial cooperative. With over $2 billion in assets and 24 locations across Central Texas, we prioritize community needs through accessible financial products and services. Our offerings include mortgages, auto loans, business loans, credit cards, and savings solutions, all backed by a commitment to personalized service. As a federally insured institution by the National Credit Union Administration, we guarantee deposits up to $250,000. Our team emphasizes financial education and community engagement, reflecting our core philosophy of 'People Helping People.' Through digital banking innovations and local branch presence, we empower members to achieve financial stability.Our board of directors and staff bring decades of combined experience in cooperative finance. We maintain transparent operations with a focus on ethical lending and member-centric policies. Community partnerships and diversity initiatives further strengthen our role as a trusted financial partner.
Services
Checking Accounts
Savings Programs
Mortgage Loans
Auto Financing
Credit Cards
Business Banking
Digital Banking
Loan Services
Share Certificates
Financial Education
Details
- Year established: 1941
Highlights and features
- Established in 1941 with deep community roots and financial expertise
- Member-owned cooperative structure prioritizing customer interests
- 24 convenient branch locations across Central Texas
- Federally insured deposits up to $250,000 by NCUA
- Comprehensive financial education and community development programs
Associations and certifications
- National Credit Union Administration (NCUA)
What people say
Great customer service
Competitive rates
Convenient locations
Knowledgeable staff
Easy loan process
Services
True Earnings Checking
Our premium checking account offers up to 5.00% APY on balances up to $15,000 when qualifying transactions are met. Designed for active users seeking cash rewards, this account combines spending flexibility with earning potential. Members benefit from no monthly maintenance fees and access to nationwide ATMs.
Share Certificates
Fixed-rate share certificates provide secure growth opportunities with terms from 12 to 24 months. Current rates up to 3.96% APY ensure predictable returns for different risk preferences. These NCUA-insured products suit conservative savers seeking better rates than standard savings accounts.
Home Equity Loans
Flexible home equity financing options support home improvements, debt consolidation, or major purchases. Competitive rates and fixed terms help members leverage property equity responsibly. Loan specialists guide applicants through personalized solutions matching their financial situations.
Auto Loans
New and used auto loans feature low rates for qualified buyers with terms up to 72 months. Refinancing options available for existing loans. Dedicated loan officers provide pre-approval assistance and payment calculators to simplify vehicle purchasing decisions.
Digital Banking
24/7 digital platform enables account management, bill payments, and mobile check deposits. Free credit score monitoring and budgeting tools enhance financial awareness. Secure access through encrypted mobile apps and multi-factor authentication protects member information.
People
David Westlund
Chairman of the Board
Serving on the board since 2015, David brings 25+ years of financial leadership experience. He focuses on strategic growth and member advocacy while maintaining cooperative principles.
Steve Read
Board Member
With board service since 2012, Steve specializes in risk management and operational efficiency. His 30-year banking career informs policy decisions that balance growth with financial stability.
Lea Luchsinger
Nominating Committee Chair
Leading the nominating committee since 2018, Lea ensures diverse leadership representation. Her community engagement focus strengthens the credit union's local partnerships and member outreach programs.
Questions
How can I become a member?
Membership is open to anyone living, working, or worshiping in six Central Texas counties. Visit any branch with ID and proof of address to join.
What loan types do you offer?
We provide auto loans, home equity loans, mortgages, business loans, personal loans, and credit cards with competitive rates for qualified applicants.
Is my money insured?
Yes, all deposits are federally insured up to $250,000 by the National Credit Union Administration (NCUA), a U.S. government agency.
Do you have mobile banking?
Our mobile app provides 24/7 access for account management, bill payments, mobile check deposits, and credit score monitoring at no extra cost.
What are your branch hours?
Most branches are open Monday-Friday 9 AM-4 PM and Saturday 9 AM-12 PM, with drive-thru services available during extended hours.
How do I report a lost card?
Contact our 24/7 card services at 1-800-252-1310 immediately to report lost or stolen cards and request replacements.
