A+ Federal Credit Union Rates and Review February 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.
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A+ Federal Credit Union's StartUP CD 12 month rates are at 5.00%, 19 month 19-Month New Money Advantage CD rates are at 3.75%, 37 month 37-Month New Money Advantage CD rates are at 3.70%, IRA CD 18 month rates are at 3.55%, IRA CD 24 month rates are at 3.55%. A+ Federal Credit Union's savings rates are at 0.10%. A+ Federal Credit Union's money market rates are at 0.35%. A+ Federal Credit Union's 15-Year Fixed Refinance rates are at 5.38%, Mortgage Purchase 15-Year Fixed rates are at 5.38%, Mortgage Purchase 10-Year Fixed rates are at 5.50%, Mortgage Purchase 15-Year Jumbo Fixed rates are at 5.62%, Mortgage Purchase 20-Year Fixed rates are at 5.75%. A+ Federal Credit Union's Personal Loan Rates are at 9.49%.
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 by leaving a review below, or read customer reviews before you decide to use . A+ Federal Credit Union Texas RatioA+ Federal Credit Union's Texas Ratio is at 14.18%, which is considered excellent. The Texas Ratio for A+ Federal Credit Union is higher than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that A+ Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
A+ Federal Credit Union has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, A+ Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesProduct
APY/APR
vs.Avg
"N/A" indicates the product is not offered or the rate is unavailable.
A+ Federal Credit Union
Main Branch 6420 E Highway 290
Austin, TX 78723 1030 
A+ Federal Credit Union CD Rates
A+ Federal Credit Union Savings Rates
A+ Federal Credit Union Money Market Rates
A+ Federal Credit Union Checking 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 Personal Loan Rates
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 & OverviewCredit Union Name: A+ Federal Credit Union
Website: https://www.aplusfcu.org
Full Time Employees: 500Part Time Employees: 34 President: Landon Spillmann CEO: Eric Kase Branch Locations: 22 ATM Locations: 21 Corporate Office Address:
6420 E Highway 290
Austin, TX 78723 1030 Phone Number: 512-302-6800 Fax Number: 512-459-1703 FinancialsTotal Assets:
2,534,595,067
Total Amount of Shares and Deposits:
2,033,694,732
Total Shares and Deposits < 1 Year:
1,874,829,667
Total Shares and Deposits 1 3 Years:
112,375,687
Total Shares and Deposits > 3 Years:
46,489,378
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
152,946,742
Total Uninsured Shares and Deposits > $250K (F+J):
152,946,742
Total Insured Shares and Deposits > $250K (item 17 less item K):
1,880,747,990
Total Interest Expense (Sum of items 6 8):
22,492,621
Share Certificates:
43,445
Number of Accounts for Share Drafts:
118,500
IRA KEOGH Accounts:
4,642
Number of Accounts for Regular Shares:
206,042
All other shares:
3,025
Non Member Deposits:
61,637
Money Market Shares:
7,815
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
326,649,098
Total Liabilities:
2,199,321,989
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About A+ Federal Credit UnionIs a member application needed to join A+ Federal Credit Union?Yes, to access services at A+ Federal Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, A+ Federal Credit Union provides a range of mortgage and home equity products. Is A+ Federal Credit Union a safe place to deposit money?Yes, A+ Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does A+ Federal Credit Union offer online and mobile banking?Most modern institutions like A+ Federal Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
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