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We continue to monitor the latest developments on COVID-19, communication from the Centers for Disease Control and Prevention (CDC), and guidance from federal, state, and local agencies. The health and safety of our members and employees remain top-of-mind.

Please use this webpage as your source for the most current information about our credit union operations, with additional resources to help you navigate these challenging times.  We are sending our thoughts and best wishes to those families affected by COVID-19.  We will continue to update this page as relevant material becomes available.


There are a lot of things to worry about these days, but the safety of your money in Alabama Teachers Credit Union shouldn't be one of them.  Your money is safe, and your accounts are fully insured by the National Credit Union Share Insurance Fund (NCUSIF) up to $250,000. There is no risk to keeping money in your account, but there are countless risks to holding cash.     


We have made the decision to close the lobby to each branch and offer access through drive-thru only indefinitely.

The following offices are accessible by drive-thru:

  • Albertville - 1008 Portwood Drive, Albertville, AL 35951
  • Anniston - 230 Hwy 431 North, Anniston, AL 36206
  • Centre - 1440 Chesnut Bypass, Centre, AL 35960
  • Fort Payne - 700 Gault Avenue South, Fort Payne, AL 35967
  • Gadsden - 702 Walnut Street, Gadsden, AL 35901

Although our Oxford lobby is closed and has no drive-thru, you may still utilize the night-drop service at this location.  We also suggest using the Anniston branch drive-thru.  Be assured, each of our offices maintain the presence of law enforcement, for your safety and ours.

Safe Deposit Box entry can be provided to those who are not presenting cold or flu-like symptoms at our Gadsden, Albertville, and Anniston locations.  We encourage the use of our night-drop service at all offices. Night-drop boxes will be monitored throughout the day, and posted continually during business hours.  We are also offering extended drive-thru hours on Wednesdays until 4:45 during the period when our lobbies are closed. 

Please remember, wait times in drive-thrus may be extended due to the offering of additional services normally provided in-branch. For your protection, be prepared to provide valid, unexpired identification and answer potential account security questions.

It is important to note that direct deposit, bill pay, or any other scheduled transactions will not be affected by our lobby closures. 


Our digital services remain available to serve you without interruption. All of our convenient digital services are free to utilize. To access any of these services, please visit the hyperlinks below.

  • Use Online or Mobile Banking (App download –iPhone® | iPad® | Android™) to check balances, make payments, transfer funds, pay bills, or deposit checks. If you haven't registered yet, we encourage you to create your account today. If you are having trouble with access, reset your username or password. Additionally, you may transfer funds to another ATCU account holder, order checks, and disable/enable your ATM/Debit Card.
  • You can also take care of most of your banking needs via our extensive Shared Branching Network including 5000+ locations nationwide. Note the locations most convenient to you. Be aware that other credit unions may be limiting lobby hours.
  • Be sure to have an active ATM/Debit Card with a PIN # or a Credit Card accessible to make purchases, perform online transactions and withdraw cash. Remember, ATCU offers surcharge-free ATMS. Visit our drive-thru accessible branch locations to obtain an instant issue ATM/Debit Card. You may visit our website to complete a Debit Card transaction dispute.
  • For new accounts or consumer, mortgage or business loans, please apply using our Online Application Portal or via telephone at 1.800.470.0704. A Member Service Representative will contact you to verify your identity and discuss your application. If there are any additional items needed, most can be sent by taking a photograph and sending it securely through our Online Application Portal. Once the account/loan is approved, we can send your documents electronically using DocuSign. When signed loan documents are received, loan proceeds can deposited into your account for immediate availability.


We are prepared to be responsive to changes that could lead to financial disruptions for you and your family.

Be assured ATCU will strive to help you as this situation unfolds. Consequently, we are offering the following as a result of the COVID-19 pandemic:1

  • Discontinuation of the $3 transfer fee between share accounts
  • Deposit account fee waivers based on your needs2
  • No additional late fees incurred on loans now through April 30, 20203
  • Eligible Credit Card payments deferred for the months of May and June 20204
  • Consumer loan payment due date extensions up to 60 days5
  • Consumer mortgage payment due date extensions up to 60 days6
  • Business loan due date extensions up to 60 days7
  • Various loans available8

In short, if your finances are negatively impacted by COVID-19, or you suspect that they will be, you have options. To speak with a Member Service Representative about any of the courses of action listed above, please call 1.800.470.0704.

Please do not use email to send Alabama Teachers Credit Union communications which contain confidential information, such as Social Security or Account Numbers. You may either call us or send confidential information through the U.S. Postal Service.

1) All assistance is available for a limited time, may be subject to other exclusions and restrictions, and is subject to change or withdrawal without notice, all in the sole and absolute discretion of ATCU.

2) Decisions on waivers are made in the sole and absolute discretion of ATCU.

3) While late fees are being waived, information regarding the status and timely payments of your loan(s) will continue to be reported to consumer reporting agencies. To avoid derogatory credit reporting, please contact us to request an extension.

4) Refer to your credit card statement for details.

5) The terms of any loan extension will be disclosed to the member at the time of the approval. Contact the ATCU Loan Department for more information.

6) The terms of any loan extension will be disclosed to the member at the time of the approval. Contact the ATCU Mortgage Services Department for more information.

7) The terms of any loan extension will be disclosed to the member at the time of the approval. Contact the ATCU Business Services Department for more information.

8) Contact the ATCU Loan Department for additional information.


You are probably all aware of recent news highlighting ways in which financial institutions can assist small businesses in our communities.

Please be assured ATCU is working diligently to facilitate requests and assist with any Small Business Administration (SBA) need you may have.

In fact, we recently gained approval as a SBA Qualified Lender; however, this is a complex process and we are working out the final details. We are hopeful we can assist those who qualify, with funding from the Payroll Protection Plan (PPP) approved in the recent Coronavirus Aid, Relief, and Economic Security (CARES) Act.

What Now?

While we are working out the final details of how ATCU will fund your PPP requests, please see the links below from the US Department of the Treasury for an overview of the program, information you will need as a borrower to supply to the lender, and most importantly a link to the PPP loan application.

In the Interim

Thank you for your patience and the trust you place in your credit union until we can provide final details. We encourage you to check with your attorneys, accountants, etc. for further clarification of the impact of this loan to your business.

To review all products offered by the SBA related to COVID-19, we encourage you to visit the SBA website.


You're probably doing a lot of clicking, scrolling and swiping to stay updated about the situation surrounding COVID-19. As you check emails and browse social, please remember to keep your financial and personal information secure. That means being extra careful about opening links, attachments, or requests for information from anyone claiming to represent Alabama Teachers Credit Union--or agencies like the World Health Organization or Center for Disease Control. There are scammers trying to take advantage of this situation to gain access to your data.

You should also be mindful of counterfeit currency and check scams during this unique time and always.  The United States Department of Justice has compiled a list of possible scams surrounding COVID-19 and how to make a report if you have encountered criminal activity.  Additional details/links to specific scams are also listed below for your convenience.  We encourage you to review this information and discuss these topics with those close to you who may not have social media accounts or utilize the internet. 

  • Stimulus Scams - Fraudsters have been quick to deploy scams involving the coronavirus stimulus package, targeting individuals through text messages, social media posts/messages, and phone calls.  These scammers ask for personal information and state there is a "processing fee" to receive economic stimulus payments.  Know that government agencies do not communicate through these methods, and will never request an advanced processing fee for you to receive the grant.  Beware of fake government agencies promoted by fraudsters and review the list of all official US federal grant-making agencies at  For detailed information about how the economic impact payments will be distributed, refer to the Internal Revenue Service website. 
  • Phishing Emails - Appear to be from reputable sources and ask you to share personal information or contain links that could lead to malware being downloaded to your computer.
  • Malicious Websites - Offer maps or statistics related to COVID-19 that ask you to share personal information to register or download malware to your computer. 
  • Social Engineering Scams - Request that you send money or provide personal information over the phone, or by email or text.  Specifically, fraudsters are calling to schedule COVID-19 tests and collecting credit or debt card and other personal information for copays or other out-of-pocket expenses. 
  • Charity Scams - Ask for donations to unknown but seemingly legitimate groups.  For your security, give to established well-known organizations.  

We implore you to be vigilant of these scams as well as others in the coming days and weeks. 

As a reminder, ATCU will never call, message or email you to request any of your personal information.  For more ways to keep your data safe, check out our ID Theft & Fraud Information page.


We care about your financial wellness. That’s why we’ve partnered with industry-leading BALANCE to provide you with free access to expertly-crafted financial education and resources to help with your fiscal matters. And should you need, BALANCE can assist with confidential, no-cost financial counseling services to help you develop a sensible budget managing spending and debt.

Access our BALANCE Financial Education site today to learn more.


We have a responsibility to our employees who live in our community and who are dedicated to serving members in these challenging times. Like many of our members, they are impacted by school and daycare closures. They are also caring for themselves, their families, and have a responsibility for the health of our community.

Alabama Teachers and all our employees thank you for your understanding and patience. We are doing our very best to be here for our valued members when they need us most as well as provide much needed support to our employees who give so much of their time and heart to serving and caring for our members.


Giving back has been an integral part of ATCU and, in times like these, it’s more important than ever. By fulfilling immediate needs as well as ensuring the long-term health of our communities, we’ll get through this. We have donated time and money assisting food banks and backpack programs, local agencies, and nonprofits assisting with basic needs during this pandemic. We also have a short-term plan to inject needed capital to various small businesses across the areas we serve.  We know more needs will arise and we are actively listening and responding. Our staff is committed to doing everything we can to ensure our shared communities are taken care of in their time of need.  These are just a few ways your membership with ATCU allows us to #givetogether.

Making an impact in our community.

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