|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 A+ Federal Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 28, 2026
A+ Federal Credit Union's 12 Month StartUP CD rates are at 5.00%, 19-Month New Money Advantage CD rates are at 4.05%, 37-Month New Money Advantage CD rates are at 4.05%, CDs - 60 month rates are at 4.00%, CDs - 18 month rates are at 3.85%. A+ Federal Credit Union's savings rates are at 0.30%. A+ Federal Credit Union's money market rates are at 0.70%. A+ Federal Credit Union's Mortgage Purchase - 5/5 ARM rates are at 6.00%, 30-Year Jumbo Fixed Refinance rates are at 7.00%, Mortgage Purchase - 30-Year Jumbo Fixed rates are at 7.00%. A+ Federal Credit Union's Auto Loan Rates are as low as 5.49%. A+ Federal Credit Union's CD rates are 41% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of A+ Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 11.13%. Rates last updated and verified on 10/28/2026. A+ Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at A+ Federal Credit Union? Share your experience about A+ Federal Credit Union by leaving a review below, or read customer reviews before you decide to use A+ Federal Credit Union. Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. A+ Federal Credit Union CD Rates
A+ Federal Credit Union Savings Rates
A+ Federal Credit Union Money Market Rates
A+ Federal Credit Union Mortgage Rates
A+ Federal Credit Union Home Equity & HELOC
A+ Federal Credit Union Auto Loan Rates
A+ Federal Credit Union Other Rates
Financial Health HistoryA+ Federal Credit Union’s Texas Ratio fell from 14.24% in Q3 2023 to 11.13% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A- to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by
MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for A+ Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather A+ Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with A+ Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
A+ Federal Credit Union
Website
https://www.aplusfcu.org
Address
6420 E Highway 290,
Austin, TX 78723-1030
Phone
512-302-6800
Fax
512-459-1703
President
Landon Spillmann
CEO
Eric Kase
Full-Time Employees
494
Part-Time Employees
36
Branch Locations
22
ATM Locations
21
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (94/100)
Texas Ratio
11.13%
Return on Assets (ROA)
0.4464%
Return on Equity (ROE)
3.2640%
Non-Performing Loans Ratio (NPL)
2.08%
Total Assets
2,577,534,190
Total Amount of Shares and Deposits
2,061,691,752
Total Shares and Deposits < 1 Year
1,841,948,241
Total Shares and Deposits 1 3 Years
185,943,229
Total Shares and Deposits > 3 Years
33,800,282
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
162,120,704
Total Uninsured Shares and Deposits > $250K (F+J)
162,120,704
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,899,571,048
Total Interest Expense (Sum of items 6 8)
15,169,118
Share Certificates
42,935
Number of Accounts for Share Drafts
121,729
IRA KEOGH Accounts
4,503
Number of Accounts for Regular Shares
205,284
All other shares
2,766
Non Member Deposits
49,282
Money Market Shares
8,603
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
340,545,981
Total Liabilities
2,225,546,236
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for A+ Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for A+ Federal Credit Union
Frequently Asked Questions About A+ Federal Credit UnionDoes A+ Federal Credit Union offer CDs?Yes. A+ Federal Credit Union current CD rates include its 12 Month StartUP CD at 5.00% APY, its 19-Month New Money Advantage CD at 4.05% APY and its 37-Month New Money Advantage CD at 4.05% APY, verified by MonitorBankRates as of October 28, 2026. Are CDs from A+ Federal Credit Union NCUA insured?Yes. A+ Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at A+ Federal Credit Union?The highest A+ Federal Credit Union CD rate is its 12 Month StartUP CD at 5.00% APY, verified by MonitorBankRates as of October 28, 2026. What CD terms does A+ Federal Credit Union offer?A+ Federal Credit Union CD rates are 5.00% APY for a 12 month CD, 3.85% APY for an 18 month CD, 4.05% APY for a 19 month CD, 3.85% APY for a 2 year CD, 4.05% APY for a 37 month CD and 4.00% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with A+ Federal Credit Union for its full lineup. What is the highest savings rate at A+ Federal Credit Union?The highest A+ Federal Credit Union savings rate is its Health Savings Account at 0.30% APY, verified by MonitorBankRates as of October 28, 2026. What is the highest money market rate at A+ Federal Credit Union?The highest A+ Federal Credit Union money market rate is its Tiered Money Market at 0.70% APY, verified by MonitorBankRates as of October 28, 2026. What is the lowest 30 year fixed mortgage rate at A+ Federal Credit Union?The lowest A+ Federal Credit Union 30 year fixed mortgage rate is its 30-Year Jumbo Fixed Refinance at 7.00%, verified by MonitorBankRates as of October 28, 2026. A+ Federal Credit Union mortgage rates are 7.00% for a 30 year mortgage and 6.00% for a 5/5 ARM. What is the lowest auto loan rate at A+ Federal Credit Union?The lowest A+ Federal Credit Union auto loan rate is its Auto Purchase 6-36 Months at 5.49% APR, verified by MonitorBankRates as of October 28, 2026. How many branches does A+ Federal Credit Union operate?A+ Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join A+ Federal Credit Union?Yes, to access services at A+ Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, A+ Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, A+ Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does A+ Federal Credit Union offer online and mobile banking?Most modern institutions like A+ Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.aplusfcu.org. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do A+ Federal Credit Union rates compare?A+ Federal Credit Union's CD rates are 41% higher than the MonitorBankRates national average, and it has an A health rating. A+ Federal Credit Union's top rates are its 12 Month StartUP CD at 5.00% APY, its Health Savings Account at 0.30% APY, its Tiered Money Market at 0.70% APY, its Mortgage Purchase - 5/5 ARM at 6.00% and its Auto Purchase 6-36 Months at 5.49% APR, verified by MonitorBankRates on October 28, 2026. Current A+ Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
United Association Credit Union
Redeemer Federal Credit Union
Fo Me Bo Co Federal Credit Union
APCI Federal Credit Union
Baker Hughes Federal Credit Union
Vision One Credit Union
Freestone Credit Union
White River Credit Union Enumclaw, WA
Oneida County Credit Union
Gary Firefighters Association Credit Union
Credit Union of Texas
IRCO Community Federal Credit Union
Meridian Credit Union
North Star Community Credit Union
EM Federal Credit Union
Library Of Congress Federal Credit Union
Hamakua Federal Credit Union
Ripple Credit Union
Consumers Credit Union
Atlantic Health Employees Federal Credit Union
Logix Federal Credit Union
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
