Austin's Neighborhood Credit Union
Growing with you!

Log-in to No-Line Banking

Did you know?
  • Your Austin FCU Debit and ATM Cards have daily transaction and dollar limits to help protect you from fraud.
  • Account Alerts in No-Line Banking can help keep you aware of transactions that clear your account.
  • After 24 months of inactivity, your account may be considered dormant and be subject to a $5/month fee.
  • We have special wiring instructions to wire funds to your Austin FCU account, visit the FAQs to find them.
  • Even if you forward your mail with the post office, you still need to change your address with AFCU to avoid returned statement fees.
Click here for more info!
     About Us
     Hours & Locations
     Courtesy Pay FAQs
     AFCU E-News
     Checking and Savings
     Rates & Fees
     Member Benefits
     Helpful Links
     En Español
     Contact Us


New and Used Vehicles, Watercraft and RV’s

Whether you are in the market for a new or used vehicle, Austin Federal Credit Union has financing to meet your needs. We’ll finance autos, motorcycles, boats and personal watercraft, travel trailers and RV’s. We offer up to 120% financing for qualified borrowers. Check out our rates here. Wonder what payments will be for that special vehicle? Here's a Loan Payment Calculator

GAP coverage for your car
Protect your investment with GAP coverage. The dramatic plummet of your car’s value as soon as you drive it off the lot can put a surprising strain on your wallet if your car is totaled.

The value of your vehicle can be substantially less that what your still owe on your loan. ‘GAP’ coverage takes care of this financial gap. It is available for both new and used vehicles. The cost can be added to your loan.

Mechanical Breakdown Protection (MBI) for that car
Expensive repair bills can leave you stranded financially unless you have an extended warranty. The credit union offers this valuable coverage at just a fraction of what you would pay at the dealership. The cost can be added to your loan.

Personal Loans

Find yourself in need of a little extra cash? Whether your goal is to consolidate high interest-rate debt, finance a major purchase, take a vacation, or pay for unexpected expenses, an Austin FCU personal loan can help you accomplish it!
We offer a range of terms, all with a fixed interest rate so you have a stable and predictible payment amount.

Click here for rates! If you'd like to estimate what your payment might be, click here!

Questions? Call our loan department at 512 444 6419 or 800 950 8143.

Home Equity Loans

Looking towards that dream kitchen or perhaps a trip to Europe? A Home Equity Loan with AFCU can help you get there! Texas law requires a 12 day waiting period so plan ahead!

Click here for rates! For an estimate of payments, click here!

Questions? Call our loan department at 512 444 6419 or 800 950 8143.

Fresh Start Auto Loans

Even if you’ve had some bumps in the road, Austin FCU can still help you get financed for a new or used vehicle!

We are happy to offer Fresh Start Auto Loans to our members who might have difficulty financing elsewhere. Ask our loan officers how the use of a Payment Reminder Device can help us hand you the keys to your next vehicle!

Be sure to ask us how you can protect your investment with GAP Insurance and Low-Cost Extended Warranties!

Rates range from 10.60% APR (annual percentage rate) to 15.60% APR with automatic payments! If you'd like to estimate what your payment might be, click here!

Questions? Call our loan department at 512 444 6419 or 800 950 8143.

Credit Cards

Austin Federal Credit Union issues MasterCards with no annual fees!
Visit our MasterCard Application to Apply now or call (800) 950-8143 or (512) 444-6419 for a copy of our card agreement.

MasterCard rates, for purchases or cash advances range from 9.90% APR (annual percentage rate) to 15.90% APR (annual percentage rate).

Questions? Call our loan department at (512) 444-6419 or (800) 950-8143.

Pronto Loans

Did you know that the average borrower who uses payday lending to meet their short term cash needs can end up spending upwards of $500 in fees and pay Annual Percentage Rates as high as 400%*.

That's why Austin FCU is now offering "Pronto Loans," a low-cost alternative to predatory payday lenders. If you've been a member for at least 30 days, and have an income you could qualify for up to $1,000 with no credit check. Our Pronto Loans are a relatively low cost alternative to predatory payday lenders. With repayment terms of 2 to 6 months and a flat annual percentage rate of 25%, a Pronto Loan is a quick and easy way to get the cash you need, Pronto.

Click here to view the application and all of the conditions here to view a loan calculator to help you get a better idea of how much you qualify for.

Apply Online Now!

Federally insured by NCUA. Austin Federal Credit Union
1900 Woodward Street | Austin, TX 78741

Toll Free: (800) 950-8143 | Local: (512) 444-6419 | Fax: (512) 444-6474
Contact Us |Privacy & Disclosures | AustinFCU on Facebook
Equal Housing Lender