At The People’s Federal Credit Union (TPFCU), we make everyday banking simple, affordable, and convenient. As a full-service, member-owned credit union, we provide all the financial services and support you need to manage your money with confidence.
From checking and savings accounts to flexible loans and secure digital tools, our local Amarillo team is here to help you reach your financial goals. Because we’re not-for-profit, we return our earnings to members in the form of better rates, lower fees, and friendly service.
Accounts
Cater to all your financial needs by opening a checking account with no minimum balance requirements, no monthly maintenance fees, and no transactional fees for using paper checks or making cash withdrawals.
Enjoy competitive interest rates, higher dividends, and no monthly fees with a TPFCU Savings Account. When your checking account balance is low, funds can be automatically transferred from savings to cover transactions. Plus, you’ll have full access to online banking and our mobile app. Opening an account is simple, just make a $25 minimum deposit.
Your TPFCU Share Savings Account represents your ownership in the credit union. With just $25 to open, you can start earning dividends, access overdraft protection, and use our convenient online banking tools. This account also unlocks full access to all member services. Saving with TPFCU means putting your money to work for you and your community.
TPFCU IRAs are a smart way to save for retirement with steady growth and tax advantages. Choose from traditional or Roth options. Accounts earn competitive dividends and are easy to open or roll over. Speak with a team member and find the best high-yield savings option today.
Achieve your long-term financial goals by taking advantage of the competitive, tiered dividend rates of a 6, 12, or 24-month high-yield certificate of deposit investment. With a CD, your savings grow securely while giving you the peace of mind of a fixed, predictable return.
Take advantage of TPFCU’s gold and platinum low-interest credit card options, with no over-limit fees, no cash advance fees, and no transfer fees. Plus, enjoy all the perks of our rewards program on selected credit card plans.
Loans
Save money by accessing low-interest-rate auto loans to make your auto loan payments more affordable. Our Texas credit union prides itself on offering those who qualify for membership with the best rates, quick pre-approvals, and low monthly repayments for boat, motorcycle, and recreational vehicle loans.
Home Equity Loans
Renovate and upgrade your home with our Amarillo credit union’s affordable home equity loans. Borrow an amount of money up to 80% of the value of your home’s equity to redo your kitchen, increase your home’s energy efficiency, or get it ready to sell.
Take charge of your personal finances and buy your dream home with our fixed-rate mortgage loans. With down payment amounts as low as 10% and great rates, a TPFCU mortgage loan makes your dream of home ownership a reality. With certain qualifying loans, you can benefit from having no private mortgage insurance (PMI), saving you even more money each month.
Explore our range of back-to-school, Christmas, vacation, line of credit, and credit builder loans aimed at helping you pay bills, act as an emergency fund, and make ends meet by giving you access to the exact amount of cash you need. As part of our member services, every time you make a payment, we’ll report it to the credit bureaus, helping you build your positive credit history.
Discover our specialized loan products and financial tools, including collateral protection insurance (CPI), debt protection, and gap protection. These options are designed to help our members protect their loans and manage unexpected financial challenges with confidence.
We offer competitive loan rates on everything from cars and credit cards to homes and personal needs. Rates vary by loan type and credit profile, so you get a rate that fits your situation. Decisions are made locally for a faster, more personal experience. Contact us to find today’s rates.
Other Services
Free up your extra cash using TPFCU’s Skip a Payment service, letting you opt to keep your money when you get paid and postpone your loan repayments by one payment period.
Ensure the safety of your loans and the assets they pay for with loan protection and insurance products from TruStage.
Educate your children on the importance of saving, fraud protection, and using credit wisely with Kirby Kangaroo. Our Youth Savings Account is designed for children from birth to 12 years old with just a $5 minimum deposit.
Give your teen a head start on financial literacy with a TPFCU Teen Checking Account. It’s a safe, convenient way to teach teens 13-17 how to manage money responsibly while maintaining parental oversight.
Access your account statement, mobile wallet, and other financial services here or on our mobile banking app. Convenient digital banking features like online bill pay and mobile deposit make it easy to stay on top of your finances.
Explore all the additional services we offer as a financial institution, including money orders, teller checks, gift and travel cards, scratch pads, notary services, and safe deposit boxes.
Why Bank With TPFCU?
At our credit union, we focus on providing real value through personal service and smart financial solutions. Our members benefit from local Amarillo, Texas, support and a structure designed to put people first
You’ll experience the credit union difference with benefits like:
- Being part of a member-owned, not-for-profit financial institution
- Local service from a team with strong Amarillo roots
- Better rates, lower fees, and local decision-making
- NCUA-insured accounts, up to $250,000 per depositor, plus free Excess Share Insurance for up to an additional $250,000
- Working with a trustworthy, community-focused partner for over 70 years
Ready to simplify your banking? Become a TPFCU member today and enjoy affordable accounts, competitive low-interest loan options, and friendly local service.
Banking Services FAQs
To become a member of TPFCU, you need to meet certain eligibility requirements and open a savings account with a minimum account balance of $25.
TPFCU’s routing number is 311376753.
TPFCU’s daily ATM withdrawal limit is $300.
To open a TPFCU savings account, you need to maintain a minimum daily balance of $25.
No. You can join if you meet our eligibility requirements, even if you don’t live in Amarillo.
You can check balances, transfer funds, pay bills, apply for loans, and manage cards through online banking or our app. The app also makes it easy to make remote deposits when you can’t get to one of our Amarillo, TX, branches.
Auto, personal, credit card, and mortgage loans are all available through our online application.
