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6420 E Highway 290
Austin, TX 78723-1030

A+ Credit Union is headquartered in Austin and is the 15st largest credit union in the state of Texas. It is also the 194th largest credit union in the nation. It was established in 1949 and as of March of 2014, it had grown to 297 employees and 112,550 members. A+ Credit Union's savings rates are 10X the national average, and it has a A health rating.

Field of Membership Restrictions

Credit union membership is open to anyone who's a member of the A+ Education Foundation, an association that's easy to join with a $10 fee. - See Details

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Reviews (1)

Bad Customer Services

Teachers Beware!!! The A+Credit Union is nolonger the credit union it was creadit to be year ago.  It is acutally only operating under the umbrella of a  credit union by name but with the characteristics of the large is worse than majority of the large banks and focuses on setting the customer up to take their money!! There are better credit unions around Austin with great customer service and support for your financial transactions.  Visit other credit union and banks and compare before you continue to allow A+ manage your finacial are not in good hands!


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 A+ Credit Union had $2.7 million in non-current loans and owned real-estate with $97.14 million in equity and loan loss allowances on hand to cover it. This gives A+ Credit Union a Texas Ratio of 2.78% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for A+ Credit Union experienced no significant changes from 2.04% as of March 31, 2013 to 2.78% as of March 31, 2014, resulting in a negative change of 35.95%. This indicates that the balance sheet and financial strength for A+ Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, A+ Credit Union has increased its total deposits by $74.2 million, resulting in 8.08% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth A+ Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. A+ Credit Union has $1.1 billion in assets with $97.14 million in equity, resulting in a capitalization level of 8.87%, which is average.

Institution Statistics

NCUA #6178
Year Chartered1949
Primary Regulator
Assets and Liabilities
Assets$1.10 billion
Loans$676.77 million
Deposits$992.74 million
Equity Capital$94.23 million
Loan Loss Allowance$2.91 million
Unbacked Noncurrent Loans$2.70 million
Real Estate Owned$0
Historic Data - March 2013
Assets$1.02 billion
Equity Capital$87.43 million
Loan Loss Allowance$2.47 million
Unbacked Noncurrent Loans$2.70 million
Real Estate Owned$57,000
Profit Margin - Quarterly
Net Interest Margin1.12%
Return on Assets1.03%
Return on Equity12%
Interest Income$9.20 million

Always verify rates and promotions with the bank or credit union. We are not A+ Credit Union, we are a rate comparison website and can not provide official rates or promotions.

A+ Credit Union Savings Account Rates

5.12%-$1kStartUP IRA
5.12%$1k$1kStartUP Roth IRA
5.12%-$1kStartUP CESA
0.55%$100k-Platinum IRA
0.55%$100k-Platinum Roth IRA
0.55%$100k-Platinum CESA
0.35%$100-Health Savings Account (HSA)
0.35%$100-Variable IRA
0.35%$100-Variable Roth IRA
0.35%$100-Variable CESA
0.30%$100k-Platinum Savings
0.25%$25k-Premier Savings
0.22%$100-Special Savings
0.22%$100-Flexible Goal Savings
0.22%$100-Commitment Goal Savings
0.18%$100-Membership Savings
0.18%--Youth Membership Savings
0.18%$100-Regular Savings

A+ Credit Union Money Market Rates

0.20%$2k-Money Market Savings

A+ Credit Union Checking Account Rates

0.05%$500-A+ Checking Account

A+ Credit Union CD Rates

5.00%-$1k12 Month StartUP CD
1.31%$500-60 Month CD
1.21%$1k-60 Month Plus Advantage CD
0.95%$500-48 Month CD
0.85%$1k-48 Month Plus Advantage CD
0.75%$500-36 Month CD
0.65%$1k-36 Month Plus Advantage CD
0.55%$1k-24 Month CD
0.45%$1k-24 Month Plus Advantage CD
0.40%$1k-12 Month CD
0.30%$1k-12 Month Plus Advantage CD
0.25%$1k-6 Month CD

A+ Credit Union IRA Rates

1.31%$500-60 Month IRA
1.21%$1k-60 Month Plus Advantage IRA
0.95%$500-48 Month IRA
0.85%$1k-48 Month Plus Advantage IRA
0.75%$500-36 Month IRA
0.65%$1k-36 Month Plus Advantage IRA
0.55%$1k-24 Month IRA
0.45%$1k-24 Month Plus Advantage IRA
0.40%$1k-12 Month IRA
0.30%$1k-12 Month Plus Advantage IRA

A+ Credit Union has 17 locations. Click to view all A+ Credit Union locations.