A+ Credit Union

PO Box 14867
Austin, TX 787614867
512-302-6800
www.aplusfcu.org

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A+ Credit Union is headquartered in AUSTIN and is the 15^st largest credit union in the state of Texas. It is also the 207^th largest credit union in the nation. It was established in 1949 and as of December of 2011, it had grown to 237 employees and 96,144 members. A+ Credit Union's CD rates are 6X the national average, and it boasts a 5-star health rating.

5% 1-Year $1K Max CD At A+ Federal Credit Union In Texas (Forum) - 12/5/2010

A+ Federal Credit Union has long offered its StartUP Share Certificate with a 5.00% APY. It's a 1-year CD with a maximum deposit of $1,000. There's a limit of one per member. Minimum deposit is $10, and it allows add-on deposits. The 5% is about 3.5%

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See Rates for: Checking | Savings | Money Market | CD | IRA

A+ Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.10%	$500	-	A+ Checking Account

A+ Credit Union Savings Account Rates

Apy	Min	Max	Product
5.12%	-	$1k	StartUP IRA
5.12%	-	$1k	StartUP Roth IRA
5.12%	-	$1k	StartUP CESA
1.11%	$100k	-	Platinum IRA
1.11%	$100k	-	Platinum Roth IRA
1.11%	$100k	-	Platinum CESA
0.85%	$100	-	Health Savings Account (HSA)
0.85%	$100	-	Variable IRA
0.85%	$100	-	Variable Roth IRA
0.85%	$100	-	Variable CESA
0.45%	$100k	-	Platinum Savings
0.40%	$100	-	TUTMA
0.35%	$25k	-	Premier Savings
0.30%	$100	-	Special Savings
0.22%	$100	-	Membership Savings
0.22%	-	-	Youth Membership Savings
0.22%	$100	-	Regular Savings

A+ Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.30%	$2k	-	Money Market Savings

A+ Credit Union CD Rates

Apy	Min	Max	Product
5.00%	-	$1k	12 Month StartUP CD
1.76%	$500	-	60 Month CD
1.66%	$1k	-	60 Month Plus Advantage CD
1.41%	$500	-	48 Month CD
1.31%	$1k	-	48 Month Plus Advantage CD
1.26%	$500	-	36 Month CD
1.16%	$1k	-	36 Month Plus Advantage CD
0.75%	$1k	-	24 Month CD
0.65%	$1k	-	24 Month Plus Advantage CD
0.55%	$1k	-	12 Month CD
0.45%	$1k	-	12 Month Plus Advantage CD
0.35%	$1k	-	6 Month CD

A+ Credit Union IRA Rates

Apy	Min	Max	Product
1.76%	$500	-	60 Month IRA
1.76%	$500	-	60 Month Roth IRA
1.76%	$500	-	60 Month CESA
1.66%	$1k	-	60 Month Plus Advantage IRA
1.66%	$1k	-	60 Month Plus Advantage Roth IRA
1.66%	$1k	-	60 Month Plus Advantage CESA
1.41%	$500	-	48 Month IRA
1.41%	$500	-	48 Month Roth IRA
1.41%	$500	-	48 Month CESA
1.31%	$1k	-	48 Month Plus Advantage IRA
1.31%	$1k	-	48 Month Plus Advantage Roth IRA
1.31%	$1k	-	48 Month Plus Advantage CESA
1.26%	$500	-	36 Month IRA
1.26%	$500	-	36 Month Roth IRA
1.26%	$500	-	36 Month CESA
1.16%	$1k	-	36 Month Plus Advantage IRA
1.16%	$1k	-	36 Month Plus Advantage Roth IRA
1.16%	$1k	-	36 Month Plus Advantage CESA
0.75%	$1k	-	24 Month IRA
0.75%	$1k	-	24 Month Roth IRA
0.75%	$1k	-	24 Month CESA
0.65%	$1k	-	24 Month Plus Advantage IRA
0.65%	$1k	-	24 Month Plus Advantage Roth IRA
0.65%	$1k	-	24 Month Plus Advantage CESA
0.55%	$1k	-	12 Month IRA
0.55%	$1k	-	12 Month Roth IRA
0.55%	$1k	-	12 Month CESA
0.45%	$1k	-	12 Month Plus Advantage IRA
0.45%	$1k	-	12 Month Plus Advantage Roth IRA
0.45%	$1k	-	12 Month Plus Advantage CESA

Rates updated: 5/16/2012

Data for Q4 2011

Institution Statistics

A+
NCUA #	6178
BankRate Report	View
Year Chartered	1949
Employees	237
Primary Regulator
Assets and Liabilities
Assets	$905.73 million
Loans	$537.96 million
Deposits	$821.87 million
Equity Capital	$76.37 million
Loan Loss Allowance	$2.58 million
Unbacked Noncurrent Loans	$1.92 million
Real Estate Owned	$100,000
Historic Data - December 2010
Assets	$817.13 million
Equity Capital	$69.46 million
Loan Loss Allowance	$2.51 million
Unbacked Noncurrent Loans	$1.59 million
Profit Margin - Quarterly
Net Interest Margin	4.64%
Return on Assets	0.81%
Return on Equity	9.59%
Interest Income	$33.47 million
Non-Interest Income	$11.15 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 A+ Credit Union had $2.02 million in non-current loans and owned real-estate with $78.96 million in equity and loan loss allowances on hand to cover it. This gives A+ Credit Union a Texas Ratio of 2.56% 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 held steady from 2.21% as of December 31, 2010 to 2.56% as of December 31, 2011, resulting in a negative change of 15.54%. This indicates that the balance sheet and financial strength for A+ Credit Union has held steady in recent periods.
Deposit Growth
In the past year, A+ Credit Union has increased its total deposits by $79.32 million, resulting in 10.68% 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.
Capitalization
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 $905.73 million in assets with $78.96 million in equity, resulting in a capitalization level of 8.72%, which is average.