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.
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
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+! .
Overall | |
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NCUA # | 6178 |
Year Chartered | 1949 |
Employees | 506 |
Primary Regulator |
Profit Margin | |
---|---|
Return on Assets - YTD | 0.43% |
Return on Equity - YTD | 3.35% |
Annual Interest Income | $31.9MM |
Assets and Liabilities | ||
---|---|---|
Assets | Q1 2025vs Q1 2024 | $2.51B$2.57B |
Loans | Q1 2025vs Q1 2024 | $2.07B$2.2B |
Deposits | Q1 2025vs Q1 2024 | $2.03B$2.03B |
Equity Capital | Q1 2025vs Q1 2024 | $318.2MM$303.5MM |
Loan Loss Allowance | Q1 2025vs Q1 2024 | $34.7MM$28.4MM |
Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $40.3MM$41.1MM |
Real Estate Owned | Q1 2025vs Q1 2024 | $307K$272K |
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.
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
---|---|---|---|---|
0.30% | $100 | - | Health Savings Account (HSA) | |
0.10% | $0 | - | Membership Savings | |
0.10% | $100 | - | Business Membership Savings |
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
---|---|---|---|---|---|
0.70%* | $100k* | - | Money Market Savings | ||
OTHER TIERS: 0.35% → $2.5k - $25k | 0.60% → $25k - $100k |
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
---|---|---|---|---|---|
0.20%* | $25k* | - | Business Checking Plus | ||
OTHER TIERS: 0.10% → $3.5k - $25k | |||||
0.05% | $500 | - | A+ Checking Account |