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A+ Federal Credit Union

  • Smartphone screen showing a mobile banking app with a green Visa Debit card graphic overlay on the display.

    Put money back in your wallet!

    Earn unlimited cash back every time you use your A+FCU debit card.*

    Get Details
  • Real estate agent in a blazer guides a smiling couple through a sunlit living room with large glass doors.

    A new home PLUS a $500 lender credit!*

    Close by December 31 to take advantage of this special offer.

    View Mortgage Options
  • Mother holding her toddler while a man loads a woven basket from the back of a red SUV with the trunk open on a sunny day, surrounded by greenery.

    Get a better deal on your auto loan!

    Refinance with A+FCU to lower your rate AND take advantage of our 90-Day No Pay offer.‡

    Get Started

Today’s Featured Rates

Compare top rates for A+FCU products.

View All Rates

APR=Annual Percentage Rate. APY=Annual Percentage Yield. Rates and terms subject to change without notice.

Mortgage Purchase

30-Year Fixed

 As Low As APR 7.125% 7.167% APR
Auto Purchase

6-36 Months

 As Low As APR 5.49% APR
Share Certificate

18-Month Term

 3.85% APY
Home Equity Loan

5-Year Home Equity

 As Low As APR 5.240% 5.500% APR
Mortgage Refi

15-Year Fixed

 As Low As APR 6.625% 6.692% APR
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Online Services

Convenient Online Tools To Help You Live Your A+ Life

Get the most out of your A+FCU membership with free services designed to benefit you. Get paid up to two days early† with direct deposit, use Card Management to add extra security and set controls for your A+FCU debit cards, and stay on top of your credit with monthly credit score updates through A+ Online Banking and the award-winning A+ Mobile App, recognized as the 2025 Best Mobile Banking App in North America.

Direct Deposit Manage Your Cards Credit Score

Find out about…

Join A+FCU Find Rates Make A Payment Get The App A+ Gives Careers
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About A+FCU

Banking on each other. Building stronger communities.®

At A+FCU, we don’t have customers, we have members. That means we’re all in this together, and when one member does well, we all share the benefits.

Who We Are Community Support Join Now

When you work hard for your members, people notice.

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A+FCU Loans

We’ll set you up with the right loan for your needs.

Depending on your wants, needs, and financial situation, we’ll work together to find the loan that’s best for you.

Home Loans Vehicle Loans Personal Loans
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Products & Services for:

Accounts

Discover a range of account options designed to meet your everyday banking needs and maximize your savings.

  1. Checking
  2. Savings
  3. Certificates
Products & Services for:

Online Banking

As your financial institution, we offer a variety of convenient services to simplify your financial needs.

  1. A+ Online Banking
  2. A+ Mobile App
  3. Bill Pay

†Early payment of funds is not guaranteed and is subject to when A+FCU receives the funds from the originator.

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What Can You Use A Home Equity Loan For?

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A home equity loan can be used for a variety of financial goals. Learn how to evaluate potential uses, expenses to think twice about, financing alternatives, and Texas-specific requirements.

Buying vs. Renting A Home: Which Is The Better Choice For You?

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Deciding between buying and renting a home? Learn the costs, benefits, and trade-offs of each so you can choose the option that best fits your finances and future plans.

How To Save Money In College: Practical Ways To Spend Less & Stress Less

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Learn practical ways to save money in college, from creating a budget and finding student discounts to building savings, reducing expenses, and limiting student loan debt.

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