Why ATFCU? As a member of a credit union, you’re an owner, not a customer. That’s a significant difference. Abilene Teachers Federal Credit Union (ATFCU) is a full service financial institution, offering the latest products for our members along with great rates and friendly, personal service. Credit unions are unique in the financial world. They are not-for-profit cooperatives, owned and directed by their members. Unlike other financial institutions that focus on profit and stakeholders, credit unions are comprised of members who share their resources, including profits, to help each other. Because they have ownership rights, members also get to vote on the Board of Directors – ensuring that member needs are always put first.