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Member Benefits

Refer & Earn

Share the love for A+FCU for cash rewards! Earn $50 for you and up to $50 for your friends and family when they join A+FCU.

Refer. Earn. Repeat.

We love when members refer their friends and family to A+FCU!

To say thank you, we’ve designed our Refer A Friend program to reward members like you with $50 each time you refer a new member who opens a Cash-Back Checking with a Membership Savings or Youth Membership Savings Accounts.*

Referring is easy. And the more you refer, the more you earn – up to $500 every year!

Plus, your friends and family can each get $25 when they’re approved to join and an extra $25 bonus when they set up direct deposit totaling $800 or more per month.

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Ready To Refer?

Simply share your ReferCode so your friends and family can include it in the Promo Code/Refer A Friend section when they open their new account online – it’s a quick and easy process and available 24/7 from home or on the go.

Those you refer can also take advantage of this special offer by mentioning your ReferCode when they join over the phone or at a branch.

If you’ve forgotten your unique ReferCode, log in to A+ Online Banking or the A+ Mobile App and find the ReferCode section on the right-hand side. You can also call us at 512.302.6800 or stop in at one of our branches. We’re here to help!

Great member service, friendly staff. Would highly recommend A+ to anyone who would like to join.

– Jacqueline H.

After 5+ years of banking with A+FCU, I have had nothing but an overwhelming positive experience. Definitely a good credit union for day to day use.

– Douglas F.

I had a great first experience with A+ years ago when they took my loan over. I did a refinance with them and was able to improve my terms. I would recommend A+ to anyone who needs a loan.

– Sam S.

I think the Cash-Back Checking and ATM Debit Card Programs are great incentives for members by rewarding us based on our use of the program and $ spent.

– Jacqueline N.

Cannot be combined with any other offer. Member is responsible for any taxes. Person must have US SSN/ITIN to receive promotion. Program subject to change without notice. A+FCU employees, volunteers, and their families are excluded from the program.

*Existing Member: Limit ten referrals per calendar year. $50 will be deposited to your Membership Savings or Youth Membership Savings Account when your friend opens their Membership Savings or Youth Membership Savings Account and Cash-Back Checking Account with eStatements and a debit card. Any existing A+FCU loan cannot be delinquent more than 30 days.

New Member: Membership Required. $25 will be deposited to your Membership Savings or Youth Membership Savings Account at opening of a Membership Savings or Youth Membership Savings Account and Cash-Back Checking Account with eStatements and a debit card. Another $25 will be deposited into your Membership Savings Account within a week of the date your payroll direct deposits total $800 or greater. Direct deposits must be $800 or greater, in aggregate, within 30 consecutive days. Payroll direct deposit(s) must be received to Cash-Back Checking Account within 60 days of account opening. New accounts screened through ChexSystems. $10 minimum opening deposit required for Membership Savings or Youth Membership Savings Account. $100 minimum balance required to earn dividends on Membership Savings Account. $10 minimum balance required to earn dividends on Youth Membership Savings Account. Annual Percentage Yield = 0.10% on Membership Savings or Youth Membership Savings Account. Youth Membership Savings Account for individuals under the age of 19. Declared Rate: 2.1.2023 through 2.28.2023 and subject to change without notice. Fees could reduce earnings. $5 New Membership fee for Membership Savings Account. Promotional deposits will be deducted if account closed less than 180 days after opening the account. Not valid for existing members.

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For Youth

$10 Youth Refer A Friend

Refer a friend to open a Youth Membership Savings and StartUP Share Certificate and you could both earn $10.*

Share your ReferCode, found in A+ Online Banking or the A+ Mobile App, with your friend for them to open their account at one of our branches.

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For Businesses

$100 Refer A Business

Refer another business to open a new Business Membership Savings and a Business Checking Account and you could both earn $100.

Share your ReferCode, found in A+ Online Banking or the A+ Mobile App, with your friend for them to open their account at one of our branches.

*Cannot be combined with any other offer. Existing Youth Member: $10 will be deposited to your Youth Membership Savings Account when your friend opens their Youth Membership Savings Account and StartUP Share Certificate. New Youth Member: Membership Required. Not valid for existing members. $10 will be deposited to your Youth Membership Savings Account at opening of a Youth Membership Savings Account and StartUP Share Certificate. $20 minimum opening balance required: $10 for Youth Membership Savings and $10 for StartUP Certificate. $10 will be deducted if account closed less than 180 days after opening the account. Limit one StartUP Certificate per member. Person must have SSN/ITIN to receive promotion. Program subject to change without notice. A+FCU employees, volunteers, and their families are excluded from the program.

Cannot be combined with any other offer. Existing Business Member: Limit five referrals per calendar year. $100 will be deposited to your Business Membership Savings Account when the referred business opens their Business Membership Savings and Business Checking with a debit card. New Business Member: Membership Required. $100 will be deposited to your Business Membership Savings Account at opening of a Business Membership Savings and Business Checking with a debit card. Not valid for existing business members. All checking accounts screened through ChexSystems. $100 will be deducted if account closed less than 180 days after opening the account. Business must be owned by US citizens, have US Tax Identification Number (EIN/SSN) and registered in Texas. Member is responsible for any taxes. Some restrictions on types of businesses apply. A+FCU employees, volunteers, and their families are excluded from the program.

Helpful

Rates & Resources

Make the most of your A+FCU membership with these resources to help you manage your accounts and better your finances.

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Life Guidance for:

Personal Finances

Financial health is a key part of overall wellness. Count on us to provide the knowledge and tools you need to make sense of your money, better your financial journey, and improve your peace of mind.

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Life Guidance for:

Budgeting

Ready to take control of your finances? See what steps to follow to develop a spending and saving plan and follow through on it.

Related Articles

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Spending With Perks

Cash-Back Checking

Get the debit card that earns you unlimited cash back. Enjoy monthly rewards with your free Cash-Back Checking.

Banking on each other.
Building stronger communities.®

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