Business Details
50+ Years
experience
Trusted Financial Services in Lufkin, TX
Angelina Federal Employees Credit Union (AFECU) has served its community since 1952, originally founded by federal employees in Lufkin, Texas. Over seven decades, we have expanded our membership eligibility while maintaining our core mission of providing cooperative, not-for-profit financial solutions. Our services now extend to individuals living, working, worshiping, or studying in nine East Texas counties. We prioritize personalized service, competitive rates, and community engagement through initiatives like our member referral program and youth financial education.Our team combines decades of local banking experience with modern financial tools, including mobile banking and 24/7 ATM access. Federally insured by NCUA, we maintain a strong capital position to ensure long-term stability for our members. Our recent rebranding reflects our commitment to helping members achieve their financial goals while honoring our heritage of trust and service.
Services
Share Accounts
IRAs
Auto Loans
Home Equity Loans
Debit Cards
ATM Services
Mobile Banking
Credit Cards
Certificate Accounts
Overdraft Protection
Details
- Year established: 1952
Highlights and features
- We offer competitive loan rates with terms as low as 2.30% APR for credit-building loans
- Our 24/7 ATM network provides free access to funds across the country
- Personalized service from experienced local banking professionals since 1952
- Federally insured deposits up to $250,000 through NCUA protection
- Community-focused financial education programs for all age groups
Associations and certifications
- NCUA
- NMLS
Services
Share Accounts
Our share accounts require a $25 minimum deposit to open. Members earn monthly dividends on balances over $100 while maintaining ownership in the credit union. Funds can be accessed through branches, ATMs, or online banking. These accounts form the foundation for all credit union services and benefits.
Auto Loans
We offer competitive auto loans for new and used vehicles with rates starting at 4.99% APR. Our financing options include loan terms up to 72 months for new vehicles and 60 months for used vehicles. Members can apply online or through our experienced loan officers in Lufkin, Texas.
Home Equity Loans
Home equity loans allow members to leverage their home's value for major expenses. We offer fixed-rate terms with competitive interest rates. These loans can be used for home improvements, education expenses, or debt consolidation while maintaining personalized service throughout the loan process.
Mobile Banking
Our free mobile app provides 24/7 account access, including mobile check deposit, bill payment, and account management. Available on iOS and Android platforms, the app features security tools like biometric login and card controls for enhanced financial management.
Credit Cards
We offer MasterCard Standard and Platinum options with no annual fees. Our credit cards feature fixed rates, 25-day grace periods, and rewards programs. Both secured and unsecured options are available to help members build credit and manage daily expenses.
People
Carla Kelley
President
Carla Kelley leads AFECU with over 25 years of credit union experience. She focuses on community development and financial education while maintaining the institution's cooperative values. Kelley actively participates in local business organizations.
Casey Serratos
Loan Officer
Casey Serratos brings mortgage expertise to AFECU's lending team. With specialized training in home financing, they help members achieve homeownership goals through personalized loan solutions and financial guidance.
Tracy Dillard
Loan Officer
Tracy Dillard specializes in consumer lending with a focus on auto financing. They help members navigate loan options while emphasizing responsible borrowing practices and long-term financial health.
Questions
How do I become a member of Angelina Federal Employees Credit Union?
Visit our Lufkin branch with $25 to open a share account. Membership is available to residents of nine East Texas counties or federal employees and their families.
What loan options are available for first-time homebuyers?
We offer personalized mortgage solutions including conventional loans and special programs for first-time buyers with competitive rates and down payment assistance options.
Do you offer online banking services?
Yes, our free mobile banking app provides 24/7 access to accounts, bill payment, and mobile check deposit for all members.
Are there fees for using ATMs outside your network?
We charge no fees for using our own ATMs. Other networks may charge fees, but we offer surcharge-free access through the CO-OP network nationwide.
How can I build credit through AFECU services?
Our credit builder loans starting at 2.30% APR, secured credit cards, and reporting to major credit bureaus help members establish and improve credit scores.
Reviews (1)
Chelsea Dickens
Oct 29, 2020
Report
This bank is family! You can't find a place more committed to its clients/customers. Nothing sneaks up on me and I always feel like I'll be treated like priority when I call for help/questions. If you want a place where you will be given great loan rates and personal treatment, this is the place to be. Between the front staffs friendliness and the behind the scenes teams efficiency you'll never question your importance. Thank you guys for all you do!
