A+ Federal Credit Union


Overview / Commentary
512-302-6800
6420 E Highway 290
Austin, TX 78723

A+ Federal Credit Union is headquartered in Austin and is the 15th largest credit union in the state of Texas. It is also the 196th largest credit union in the nation. It was established in 1949 and as of March of 2025, it had grown to 506 employees and 189,098 members at 22 locations. A+ Federal Credit Union's CD rates are 6X the national average, and it has a B+ health rating.

Field of Membership Restrictions

A+ Federal Credit Union is open to any Texas resident by joining the A+ Education Foundation ($10 one-time membership dues). Membership is also open to employees or members of Texas State Teachers Association, any Austin ISD Elementary, Middle or High School, and many other Select Employer Groups.
See current membership details

Reviews (1)

A+ FCU Is The Best

I have been a customer for over 30 years. A+ has excellent customer service, a recently improved website that is easy to use, competitive products especially for long-term customers and low to no fees. The staff is always courteous, friendly, and listen well. I have always been satisfied with A+! .



Health
B+

Health Grade Components

Overall
NCUA #6178
Year Chartered1949
Employees506
Primary Regulator
Profit Margin
Return on Assets - YTD0.43%
Return on Equity - YTD3.35%
Annual Interest Income$31.9MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$2.51B$2.57B
LoansQ1 2025vs Q1 2024$2.07B$2.2B
DepositsQ1 2025vs Q1 2024$2.03B$2.03B
Equity CapitalQ1 2025vs Q1 2024$318.2MM$303.5MM
Loan Loss AllowanceQ1 2025vs Q1 2024$34.7MM$28.4MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$40.3MM$41.1MM
Real Estate OwnedQ1 2025vs Q1 2024$307K$272K
Rates
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Always verify rates and promotions with the bank or credit union. We are not A+ Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

A+ Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%$100-Health Savings Account (HSA)
0.10%$0-Membership Savings
0.10%$100-Business Membership Savings

A+ Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.70%*$100k*-Money Market Savings
OTHER TIERS: 0.35% $2.5k - $25k | 0.60% $25k - $100k

A+ Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$25k*-Business Checking Plus
OTHER TIERS: 0.10% $3.5k - $25k
0.05%$500-A+ Checking Account

A+ Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%$10$1k12 Month StartUP CD
4.10%$1k$1m19 Month Plus Advantage CD Special - New Money
4.02%$1k-12 Month CD
3.97%$1k-18 Month CD
3.92%$1k-24 Month CD
3.90%$1k$1m37 Month Plus Advantage CD Special - New Money
3.82%$1k-12 Month Plus Advantage CD
3.76%$1k-6 Month CD
3.76%$1k-36 Month CD
3.76%$1k-48 Month CD
3.76%$1k-60 Month CD
3.76%$1k-18 Month Plus Advantage CD
3.71%$1k-24 Month Plus Advantage CD
3.56%$1k-36 Month Plus Advantage CD
3.56%$1k-48 Month Plus Advantage CD
3.56%$1k-60 Month Plus Advantage CD

A+ Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.12%*$10$1kStartUP IRA
OTHER TIERS: 0.31% $1k+
4.02%$1k-12 Month IRA
3.97%$1k-18 Month IRA
3.92%$1k-24 Month IRA
3.82%$1k-12 Month Plus Advantage IRA
3.76%$1k-36 Month IRA
3.76%$1k-48 Month IRA
3.76%$1k-60 Month IRA
3.76%$1k-18 Month Plus Advantage IRA
3.71%$1k-24 Month Plus Advantage IRA
3.56%$1k-36 Month Plus Advantage IRA
3.56%$1k-48 Month Plus Advantage IRA
3.56%$1k-60 Month Plus Advantage IRA
0.30%$100-IRA Savings
Locations

Availability



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