What are the current interest rates at A+ Federal Credit Union?

Current rates for A+ Federal Credit Union include: 12-Month CD: 3.70%, 18-Month CD: 3.75%, 24-Month CD: 3.70%, 60-Month CD: 3.75%, Savings: 0.10%, MMA: 0.31%

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A+ Federal Credit Union

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A+ Federal Credit Union Rates & Review September 2026

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 18, 2026

A+ Federal Credit Union's 12 Month StartUP CD rates are at 5.00%, 19-Month New Money Advantage CD rates are at 3.95%, 37-Month New Money Advantage CD rates are at 3.90%, 18 Month IRA CD rates are at 3.75%, 18 Month CD rates are at 3.75%. A+ Federal Credit Union's savings rates are at 0.10%. A+ Federal Credit Union's money market rates are at 0.31%. A+ Federal Credit Union's Mortgage Refi 15-Year Fixed rates are at 6.50%, Mortgage Purchase 30-Year Fixed rates are at 6.88%. A+ Federal Credit Union's Auto Loan Rates are as low as 5.49%. 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 10.95%. Rates last updated and verified on 09/18/2026.

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.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

10.95%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

A+ Federal Credit Union
Main Branch

6420 E Highway 290
Austin, TX 78723-1030

https://www.aplusfcu.org

A+ Federal Credit Union CD Rates

Product	Rate	APY	Term
12 Month StartUP Share Certificate	-	5.00%	12 Months
Min Balance $10 Details Maximum Balance: $1,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.95%
19-Month New Money Advantage Share Certificate	-	3.95%	19-Month
Min Balance $1,000 Details Maximum Balance: $1,000,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.95%
37-Month New Money Advantage Share Certificate	-	3.90%	37-Month
Min Balance $1,000 Details Maximum Balance: $1,000,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.95%
18 Month IRA Certificate	-	3.75%	18 month
Min Balance $1,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.95%
18 Month Share Certificate	-	3.75%	18 month
Min Balance $1,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.95%
18 Month Share Certificate	-	3.75%	18-Month Term
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.95%
60 Month IRA Certificate	-	3.75%	60 month
Min Balance $1,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.95%
60 Month Share Certificate	-	3.75%	60 month
Min Balance $1,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.95%
12 Month IRA Certificate	-	3.70%	12 month
Min Balance $1,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.95%
12 Month Share Certificate	-	3.70%	12 month
Min Balance $1,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.95%
24 Month IRA Certificate	-	3.70%	24 month
Min Balance $1,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.95%
24 Month Share Certificate	-	3.70%	24 month
Min Balance $1,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.95%
36 Month IRA Certificate	-	3.70%	36 month
Min Balance $1,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.95%
36 Month Share Certificate	-	3.70%	36 month
Min Balance $1,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.95%
48 Month IRA Certificate	-	3.70%	48 month
Min Balance $1,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.95%
48 Month Share Certificate	-	3.70%	48 month
Min Balance $1,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.95%
6 Month Share Certificate	-	3.60%	6 month
Min Balance $1,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.95%

A+ Federal Credit Union Savings Rates

Product	Rate	APY
Health Savings Account	-	0.30%
Min Deposit $10 Min Balance $100 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.95%
Membership Savings	-	0.10%
Min Deposit $2 Min Balance $0 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.95%

A+ Federal Credit Union Money Market Rates

Product	Rate	APY
Tiered Money Market	-	0.70%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.95%
Tiered Money Market	-	0.70%
Min Balance $250,000 Details Balance: $250,000 or more Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.95%
Tiered Money Market	-	0.60%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.95%
Tiered Money Market	-	0.60%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.95%
Tiered Money Market	-	0.35%
Min Balance $2,500 Details Balance: $2,500 - $24,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.95%
Tiered Money Market	-	0.31%
Min Deposit $1 Min Balance $2,500 Details APY is subject to change based on balance tier. Dividends calculated by applying the highest rate based on the balance tier to the entire account balance. No checks for the Tiered Money Market. No Fiduciary, Guardianship, Association, or Business accounts allowed to open a Tiered Money Market. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.95%

A+ Federal Credit Union Checking Rates

Product	Rate	APY	View More
A+ Checking	-	0.05%
Min Deposit $1 Min Balance $500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.95%

A+ Federal Credit Union Mortgage Rates

Product	Rate	Points	APR
Mortgage Refi 15-Year Fixed	6.50%	-	6.57%
Details As Low As Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.95%
Mortgage Purchase 30-Year Fixed	6.88%	-	6.92%
Details As Low As Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.95%

A+ Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
10-Year Home Equity	5.50%	-	5.50%	10 years
Details As low as; $1,519.37 per month for 10 years Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.95%
5-Year Home Equity	5.24%	-	5.50%	5 years
Details As low as; $2,657.39 per month for 5 years Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.95%
Home Equity Loan	5.24%	-	5.50%	5-Year
Details As Low As Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.95%
15-Year Home Equity	5.74%	-	5.74%	15 years
Details As low as; $1,161.82 per month for 15 years Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.95%
20-Year Home Equity	6.25%	-	6.25%	20 years
Details As low as; $1,023.30 per month for 20 years Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.95%
25-Year Home Equity	6.49%	-	6.49%	25 years
Details As low as; $944.42 per month for 25 years Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.95%
30-Year Home Equity	6.49%	-	6.49%	30 years
Details As low as; $833.97 per month for 30 years Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.95%
Home Equity Line of Credit	6.49%	-	6.49%
Details As low as Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.95%

A+ Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Purchase	-	-	5.49%	6-36 Months
Details As Low As Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.95%

A+ Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
A+ Preferred Line of Credit	-	-	9.74%	Revolving line of cr
Details Term: Revolving line of credit; As low as; Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.95%
StartUP & Variable Rate IRA	-	-	5.12%
Min Deposit $50 Min Balance $10 Details APY applies to balances of $10 - $1,000. $100 minimum balance required to earn dividends. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.95%
StartUP & Variable Rate IRA	-	-	0.31%
Min Deposit $50 Min Balance $1,000 Details APY applies to balances of $1,000.01 and greater. $100 minimum balance required to earn dividends. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.95%
StartUP IRA	-	-	5.12%
Min Deposit $10 Min Balance $10 Details Balance: $10-$1,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.95%
StartUP IRA	-	-	0.31%
Min Deposit $10 Min Balance $1,000 Details Balance: $1,000.01+ Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.95%
Variable Rate IRA	-	-	0.30%
Min Deposit $50 Min Balance $100 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.95%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

A+ Federal Credit Union’s Texas Ratio fell from 11.70% in Q2 2023 to 10.95% in Q1 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. 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)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$2.6B	10.95%	5.0	A
December 31, 2025	$2.6B	12.88%	5.0	A
September 30, 2025	$2.5B	12.83%	5.0	A
June 30, 2025	$2.5B	12.57%	5.0	A
March 31, 2025	$2.5B	11.02%	5.0	A
December 31, 2024	$2.5B	13.95%	5.0	A
September 30, 2024	$2.5B	12.21%	5.0	A
June 30, 2024	$2.5B	11.52%	5.0	A
March 31, 2024	$2.6B	11.90%	5.0	A
December 31, 2023	$2.6B	15.47%	5.0	A-
September 30, 2023	$2.7B	14.24%	5.0	A-
June 30, 2023	$2.7B	11.70%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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 489

Part-Time Employees 31

Branch Locations 22

ATM Locations 21

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

10.95%

Return on Assets (ROA)

0.1725%

Return on Equity (ROE)

1.2661%

Non-Performing Loans Ratio (NPL)

2.04%

Total Assets

2,577,285,208

Total Amount of Shares and Deposits

2,076,299,901

Total Shares and Deposits < 1 Year

1,855,766,616

Total Shares and Deposits 1 3 Years

186,304,774

Total Shares and Deposits > 3 Years

34,228,513

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

165,265,604

Total Uninsured Shares and Deposits > $250K (F+J)

165,265,604

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,911,034,297

Total Interest Expense (Sum of items 6 8)

7,638,603

Share Certificates

42,974

Number of Accounts for Share Drafts

121,134

IRA KEOGH Accounts

4,535

Number of Accounts for Regular Shares

207,865

All other shares

3,007

Non Member Deposits

51,637

Money Market Shares

8,325

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)

333,879,545

Total Liabilities

2,232,349,350

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

A+ Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About A+ Federal Credit Union

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.