A+ Credit Union

6420 E Highway 290
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 202^nd largest credit union in the nation. It was established in 1949 and as of December of 2012, it had grown to 251 employees and 102,907 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
0.70%	$100k	-	Platinum IRA
0.70%	$100k	-	Platinum Roth IRA
0.70%	$100k	-	Platinum CESA
0.50%	$100	-	Health Savings Account (HSA)
0.50%	$100	-	Variable IRA
0.50%	$100	-	Variable Roth IRA
0.50%	$100	-	Variable CESA
0.35%	$100k	-	Platinum Savings
0.35%	$100	-	TUTMA
0.25%	$100	-	Special Savings
0.25%	$25k	-	Premier Savings
0.20%	$100	-	Membership Savings
0.20%	-	-	Youth Membership Savings
0.20%	$100	-	Regular Savings

A+ Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.20%	$2k	-	Money Market Savings

A+ Credit Union CD Rates

Apy	Min	Max	Product
5.00%	-	$1k	12 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
0.80%	$500	-	36 Month CD
0.70%	$1k	-	36 Month Plus Advantage CD
0.60%	$1k	-	24 Month CD
0.50%	$1k	-	24 Month Plus Advantage CD
0.40%	$1k	-	12 Month CD
0.30%	$1k	-	6 Month CD
0.30%	$1k	-	12 Month Plus Advantage CD

A+ Credit Union IRA Rates

Apy	Min	Max	Product
1.31%	$500	-	60 Month IRA
1.31%	$500	-	60 Month Roth IRA
1.31%	$500	-	60 Month CESA
1.21%	$1k	-	60 Month Plus Advantage IRA
1.21%	$1k	-	60 Month Plus Advantage Roth IRA
1.21%	$1k	-	60 Month Plus Advantage CESA
0.95%	$500	-	48 Month IRA
0.95%	$500	-	48 Month Roth IRA
0.95%	$500	-	48 Month CESA
0.85%	$1k	-	48 Month Plus Advantage IRA
0.85%	$1k	-	48 Month Plus Advantage Roth IRA
0.85%	$1k	-	48 Month Plus Advantage CESA
0.80%	$500	-	36 Month IRA
0.80%	$500	-	36 Month Roth IRA
0.80%	$500	-	36 Month CESA
0.70%	$1k	-	36 Month Plus Advantage IRA
0.70%	$1k	-	36 Month Plus Advantage Roth IRA
0.70%	$1k	-	36 Month Plus Advantage CESA
0.60%	$1k	-	24 Month IRA
0.60%	$1k	-	24 Month Roth IRA
0.60%	$1k	-	24 Month CESA
0.50%	$1k	-	24 Month Plus Advantage IRA
0.50%	$1k	-	24 Month Plus Advantage Roth IRA
0.50%	$1k	-	24 Month Plus Advantage CESA
0.40%	$1k	-	12 Month IRA
0.40%	$1k	-	12 Month Roth IRA
0.40%	$1k	-	12 Month CESA
0.30%	$1k	-	12 Month Plus Advantage IRA
0.30%	$1k	-	12 Month Plus Advantage Roth IRA
0.30%	$1k	-	12 Month Plus Advantage CESA

Rates updated: 5/22/2013

Data for Q4 2012

Institution Statistics

A+
NCUA #	6178
BankRate Report	View
Year Chartered	1949
Employees	251
Primary Regulator
Assets and Liabilities
Assets	$985.69 million
Loans	$587.27 million
Deposits	$889.63 million
Equity Capital	$85.44 million
Loan Loss Allowance	$2.42 million
Unbacked Noncurrent Loans	$2.26 million
Real Estate Owned	$57,000
Historic Data - December 2011
Assets	$905.73 million
Equity Capital	$76.37 million
Loan Loss Allowance	$2.58 million
Unbacked Noncurrent Loans	$1.92 million
Real Estate Owned	$100,000
Profit Margin - Quarterly
Net Interest Margin	4.62%
Return on Assets	0.83%
Return on Equity	9.61%
Interest Income	$33.84 million
Non-Interest Income	$12.99 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, 2012 A+ Credit Union had $2.31 million in non-current loans and owned real-estate with $87.87 million in equity and loan loss allowances on hand to cover it. This gives A+ Credit Union a Texas Ratio of 2.63% 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 2.56% as of December 31, 2011 to 2.63% as of December 31, 2012, resulting in a negative change of 2.99%. 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 $67.76 million, resulting in 8.24% 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 $985.69 million in assets with $87.87 million in equity, resulting in a capitalization level of 8.91%, which is average.