A+ Federal Credit Union Adds 19-Month CD Special, 3.07% APY


Deal Summary: 19-month CD Special, 3.07% APY, $1k min/$250k max deposit, new money.

Availability: Easy membership requirement for Texas residents.

In celebration of its 70th anniversary, A+ Federal Credit Union (A+FCU) is offering a 19-month CD Special, which earns 3.07% APY. This limited-time offer can be opened with a minimum $1k deposit and is capped at $250k. New money is required, but funds from A+FCU’s soon-to-mature 15-month Certificate can also be used to open a new 19-month CD Special.

The 19-month CD Special is limited to one per member. While no end-date has been specified, the fine print on the landing page states,

Limited time offer due to 19-Month Certificate program allotment.

CSR stated that the Early Withdrawal Penalty is 60 days of dividends, with partial withdrawals permitted.


Headquartered in Austin, Texas, A+ Federal Credit Union offers membership to all Texas residents through membership in the A+ Education Foundation (one-time dues payment of $10).

Faculty, staff, and students of more than 100 Texas schools, including Central Texas College, Southwestern University, and Texas State University, also qualify for membership.

Employees/pensioners of more than 60 Select Employee Groups, including AFSCME Local 1624, Texas Federation of Teachers, and Texas State Teachers Association, are eligible to join.

Family members of current A+FCU members are also welcome to apply.

A complete list of all the qualifying organizations and businesses are available on the How to Join page.

Joining A+FCU can be done online, or at any of 22 Texas branches located in Austin (9), Bastrop, Buda, Cedar Park, Georgetown, Harker Heights, Hutto, Leander, Pflugerville (2), Round Rock (2), and San Marcos (2).

A minimum $15 deposit in a Membership Savings account is required to establish a new membership.

The CD Special can be opened at any of the above-mentioned branch locations, or by calling 800.252.8148 or 512.302.6800. Funding the 19-month CD Special can be done by ACH, debit/credit card, or by check, but there is a $7.50 fee if funding is done over the phone. Unfortunately, A+FCU does not participate in a shared branch network.

Credit Union Overview

A+ Federal Credit Union has an overall health grade of "A" at DepositAccounts.com, with a Texas Ratio of 3.33% (excellent) based on December 31, 2018 data. In the past year, A+ FCU has increased its total non-brokered deposits by $78.54 million, an excellent annual growth rate of 6.34%. Please refer to our financial overview of A+ Federal Credit Union (NCUA Charter # 6178) for more details.

A+FCU is currently the 14th largest credit union in Texas, with nearly 154,000 members and assets in excess of $1.5 billion. Originally known as the Austin Teachers Federal Credit Union, A+FCU was established in 1949 by 50 Austin Independent School District teachers. As part of its 70th anniversary celebration, A+FCU has planned a variety of year-long activities and giveaways.

  • Three members will be randomly selected in a weekly drawing to win a loan payment up to $500.
  • Every week, three A+FCU youth members will be randomly selected to win $50.
  • ”I Am A+” a social media video series of employee interviews, will be shared weekly from January to December 2019.
  • Save to Win® Certificate prize amount totals $70,000 for A+FCU-only prizes.
  • A+FCU will also be hosting A+ Gives, a series of 70 different days with scheduled acts of kindness throughout the year, to show appreciation for communities around them.

    How the CD Special Compares

    When compared to 361 similar length-of-term CDs tracked by DepositAccounts.com, which require a similar minimum deposit and are available to Texas residents, A+ Federal Credit Union's 19-month CD Special APY currently ranks first.

    The above rates are accurate as of 6/4/2019.

    Looking for the best CD rates, either nationwide and in your state? Please refer to our CD Rates Table page.

    Related Pages: Waco CD rates, Austin CD rates, 1-year CD rates

      |     |   Comment #1
    I thought CDs with rates of 3.00% or better were pretty much done at this point, with mortgage rates falling, but they still seem to be available., Which is the best way to go with them: under 1 year, 18 months, 24 months, 30 months, 36 months, higher?. I was locked into a 6-year, 2% CD (the best I could find at the time) when rates rose. 9 months of interest gone if I withdrew even one week early. I don't want to be trapped like that again.
      |     |   Comment #2
    I use a 5 year ladder so I have CDs coming due every year,...when using a ladder the average rate your CDs bring will not rise as fast when rates are moving up but your average rate won't drop as fast when rates are dropping.... smoothes it out.
      |     |   Comment #3
    Haven't seen tates cut by the fed .. yet
      |     |   Comment #4
    Let me clear up my last post. Since the Fed hasn't lowered rates we haven't seen rates drop but for a while it was looking like rates were going to 4% and better.
    5.00% 12-Month CD at a Texas CU - $1K Max (A+ FCU)
    A+ Federal Credit Union is offering a 5.00% APY 12-month StartUP Share Certificate. The minimum deposit is $10, and the maximum is $1,000 per member. Money can be added at any time as long as the balance remains under $1,000. Monthly interest is paid to member's savings account. The rate can be increased up to 5.50% by redeeming 5,000 PlusPoints.

    The $1,000 maximum deposit definitely limits this attractiveness of this deal. However, the CD can be opened for each member of your family, and it doesn't have checking account requirements. So...

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