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 it's a decent deal for those with small balances. For one CD you'll make about $20 over what you would make in a 3% CD.

Membership is open to employees of many schools and businesses in Central Texas. Also, members of the A+ Education Foundation are eligible to join the credit union. Please refer to their Who Can Join Page for more details. Membership requires a $5 fee and a minimum balance of $10 in the Membership Savings Account.

Branches are located in several Central Texas cities including Austin, Round Rock, Georgetown and San Marcos. The credit union is federally insured by the NCUA (Charter # 6178). It has $584 million in assets and 78,174 members.

Thanks to the reader who mentioned this CD in the Finding the best deals post.
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