Find answers to our Frequently Asked Questions.
Educator Loans
Loans to make life a littler easier for educators.
  Details   Details
Educator Mortgage Loan Designed for local educators
Rate and fee reductions
Classroom Cash Loan Use for classroom supplies 0% APR
Bridge Loan Available to newly hired school district teachers or administrators
Meet short-term cash needs
Certification Loan Use to obtain teaching certification through Region XIII
Higher Education Loan Use to pursue a post-graduate degree
Doesn’t require half-time enrollment
APR=Annual Percentage Rate. Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. Membership required. 

Classroom Cash Loan

The reality of teaching is that oftentimes, you have to buy supplies with your own money, especially at the beginning of the school year. The Classroom Cash Loan can help ease some of the stresses that come with the new school year, giving you $500 at 0% APR.

Details for the 2021 Classroom Cash Loan coming soon.

APR=Annual Percentage Rate. Membership required. Loan available annually from July 15 through September 30 for certified teachers, librarians, and counselors. Payment must be made through automatic transfer from an A+FCU savings or checking account to receive the 0.00% rate. Direct deposit required (minimum $300). Limit one loan of this type at any one time. Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. Maximum loan amount is $500. A+FCU accounts and loans must be in good standing.

Educator Mortgage Loan

If you’re an educator, we offer special discounts on home loans. Use HomeAdvantage to search for homes, find a real estate agent, and receive a rebate. Take advantage of exclusive savings with TruStage™ Home Insurance.

  Details Rate APR
Educator Mortgage 0.25% rate reduction
0.50% origination fee (can use PlusPoints to pay 0% origination fee)
Also available to refinance an existing non-A+FCU mortgage
As low as 2.375% As low as 2.415%


APR=Annual Percentage Rate. Membership required. Must be a certified educator to qualify. Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. As low as APR includes 0% origination fee for 10,000 PlusPoints. Rates listed are for 15 year loans. $6.63 per $1,000 per month for 15 years. Payments for first lien do not include taxes and insurance premiums. Additional terms available. Automatic payment required. Valid only for purchase or refinance of owner-occupied primary residence. NMLS #405608.  Rates as of 10.20.2020. 

Bridge Loan

The Bridge Loan helps cover your expenses when you start a new teaching job.

Bridge Loan Short-term
Low rate
Receive up to 75% of your gross monthly income

Call us at 512.302.6800 or visit a branch location to apply.

Direct deposit, employment, and income verification required. Programs, rates, terms, and conditions are subject to change without notice. A+FCU accounts and loans must be in good standing. Membership required.

Certification Loan

Cover the cost of your teacher certification through Region XIII.

Certification Loan Low rate
Funds dispersed directly to Region XIII

Call us at 512.302.6800 or visit a branch location to apply.

Direct deposit, employment, and income verification required. Programs, rates, terms, and conditions are subject to change without notice. A+FCU accounts and loans must be in good standing. Membership required.

Higher Education Loan

Use the Higher Education Loan to pursue your post-graduate degree. The loan can be used to cover education expenses and doesn’t require half-time enrollment.

Higher Education Loan For educators and non-educators
Must have bachelor’s degree
Doesn’t require minimum of half-time enrollment

Call us at 512.302.6800 or visit a branch location to apply.

Normal lending criteria apply. All loans subject to credit and underwriting approval. Direct deposit and automatic transfer required. Programs, rates, terms, and conditions are subject to change without notice. Membership required.

Educator Programs
Helping kids be money smart, too.

We’re committed to helping educators with financial education presentations, curricula, and exciting and engaging programs.

Virtual Presentations

It’s never too early to get a good start on your financial journey. That’s why we teach practical financial skills to students K-12. We teach money management, setting financial goals, how savings accounts work and more. And to keep things interesting, our presentations include activities and games. Our presentations cover TEKS requirements (Texas Essential Knowledge and Skills) for all grades and can be adapted to small and large class sizes.

Presentation Lists:

Storytime Live

Elementary schools may invite staff to host a virtual book reading for students. Check out our library of financial education books.

Curricula and Lesson Plans

Personal finance may not be at the top of any K-12 student’s list of most exciting topics. For one, it usually doesn’t involve dinosaurs. However, we’ve put a lot of time into finding the most relatable and understandable programs that are easy for teachers and engaging for students. Materials are free to schools and community youth programs in the Credit Union’s field of membership, and many are free to non-members as well. Contact the Community Education team for more information and help acquiring the materials for your school or group.

  Details Best For Free Materials? State Standards
It’s a Money Thing Access to teacher resources Videos, presentations, and handouts Middle School High School College Yes Learn More
BizKid$ Award-winning TV show Lesson plans, vocabulary, and teacher resources Upper Elementary Middle School Yes* Learn More
High School Financial Planning Program Free lesson plans Easily adaptable to a variety of audiences Middle School High School College Yes Learn More
Practical Money Skills Free lesson plans for K-12 Access online K-12 Yes Learn More
CashCourse Specific to colleges/universities Customized website College Yes  
*Lesson plans, vocabulary, and episode clips are all available for free on the BizKid$ website. Contact Community Education to learn how you can get access to the DVD sets for free.
It’s a Money Thing®

Developed by Currency Marketing, It’s a Money Thing is designed to engage and teach young adults about various financial products and topics. With cleverly designed videos, presentations, handouts, infographics, and articles, It’s A Money Thing makes learning about finances fun and entertaining.


BizKid$ is an award-winning TV show that airs on PBS stations nationwide. Each episode includes free lesson plans, vocabulary, and activities for teachers, all accessible via the BizKid$ website. We can help educators access the DVD sets for their schools for free, and we can also help you pick the right episode to use for the topic you want to cover.

High School Financial Planning Program®

Despite having “High School” in the name, this program is actually pretty flexible, with lesson plans and activities that can be adapted for teaching in middle school too. The program, developed by National Endowment for Financial Education, is completely free for educators and the materials can be easily downloaded from the HSFPP website or ordered and delivered to your school. A+FCU can help educators order materials and provide training sessions for educators.

Practical Money Skills

Developed by educators through a partnership with Visa®, Practical Money Skills provides curriculum for Pre-K through 12th grade. The lesson plans, guides, activities, and more can be downloaded from the website.


Developed by the National Endowment for Financial Education, CashCourse® provides financial education resources for colleges including a customizable website and personal finance workshops. It’s online, it’s free, and it’s noncommercial.

Special Programs
Green Apple School Partnerships

Since 1998, we’ve partnered with elementary and middle schools across the Central Texas area to help kids learn the importance of saving and smart money management. For this program, we partner closely with teachers for presentations, events, and more.

Mad City Money for Middle Schools

Mad City Money is a 2-3 hour hands-on simulation that gives middle school and high school students a preview of the adult world—complete with occupation, salary, spouse, student loan debt, credit card debt, and medical insurance payments. Exciting! Mad City Money allows participants to make mistakes and experience consequences in a realistic but safe environment. The Mad City Money program requires advance notification and works best with large groups of students. Click here to see a Mad City Money Simulation in action. Interested in bringing this program to your school?

A+ Education Foundation
Giving back to educators who give so much.

When great educators have the support they need to give kids a great education, everybody benefits. The A+ Education Foundation raises money for grants that go to great educators and programs in our community.

How to Help
Join the Foundation or One-Time Donation

Want to help us out? Make it official and become a member for only $10 a year. You can renew each year or just set up auto payments.

  How to Donate
In-Person Bring cash or check payable to “A+ Education Foundation” to any A+FCU branch
By Mail Send your check payable to “A+ Education Foundation” to:
A+ Education Foundation
P.O. Box 14867
Austin, TX 78761-4867
By Phone Call 512.533.4390 (A+FCU members only)
Sponsor an Honorary Grant

Honor someone by sponsoring a grant in their name. With an Honorary Grant, the recipient(s) will see the name of the grant on the certificate they receive when awarded, and contributors will be invited to the grant award presentation where they’ll be officially recognized.

Honorary grants can be named in honor or in memory of individuals, organizations, and other entities. To establish a grant, complete the Honorary Grant form then mail a check payable to the A+ Education Foundation to:

A+ Education Foundation
P.O. Box 14867
Austin, TX 78761-4867


Win a prize, help a teacher. At drawings throughout the year you’ll get a chance to win something cool while raising grant money. For example, you could win the honorary first pitch package at the Round Rock Express baseball game raffle. Sign up to receive A+ Education Foundation emails or follow A+ on Facebook to learn when fundraisers are held.

A+ Education Foundation is a 501(c)(3) organization as designated by the IRS. As such, all donations benefit educators and are tax-deductible to the extent allowable. Consult your tax advisor.

A+ Education Foundation Grants
Great teaching should be rewarded.

Teaching is tough. Turns out it’s expensive too. We think schools and educators who go above and beyond creating innovative and creative programs should get the support they need. The A+ Education Foundation awards grants up to $1,500 to A+FCU members who are professionally certified educators teaching Pre-K – 12. Since 2005, the A+ Education Foundation has awarded over $1,033,500 to 1,078 educators.

2020 Grant Winners

For the 2020 Grant program, the A+ Education Foundation awarded over $126,000 to 91 Central Texas educators.


How It Works

Grant money must go toward supporting new and ongoing programs, including equipment, supplies, materials, and training. The funds can’t be used to pay teachers or substitutes or for stipends and travel-related expenses.

Grants are awarded in amounts up to $1,500, with the amount based on a budget detail form submitted by the educator.

The number of grants awarded each year depends on how much the A+ Education Foundation gets in donations during the year, the number of grant recipients, and the total dollar amount requested by applicants.

Application Process
  • Complete the online grant application and the Grant Budget Detail form
  • Obtain your school principal’s approval
  • Submit your completed online application by the deadline

To ensure anonymity throughout the selection process, the selection committee will not have access to applicant names. For this reason, do not refer to your name, your campus, or anything specific to your campus (such as district, location, colors, mascot, etc.) anywhere in the application.

Submissions evaluated on:
  • Clearly-stated, realistic, measurable, objectives and goals
  • Well-defined project description
  • Realistic and clear time schedule
  • Measurable evaluation plan directly related to goals and objectives
  • Complete, itemized, and correctly totaled Budget Detail
  • Adherence to all grant application requirements

Applicants must be professionally-certified educators teaching pre-K – 12 and employed by a school within A+FCU’s field of membership. Applicants must also be primary members of A+FCU, meaning their name has to be first or only name on the account.

Educators can only apply once a year, and can only receive one grant a year. If there are multiple educators working on the same project, each one can apply for a grant. Keep in mind each applicant has to provide an individual narrative detailing how the grant will impact her or his students.

Important Dates
July 15, 2020 Foundation notifies grant recipients
March 31, 2021 Deadline for fund expenditures by grant recipients
May 31, 2021 Deadline for project evaluation by grant recipients

If you have questions or need any additional information about the grant program, please call 512.533.4390 or email

Interested in learning when the 2021 A+ Education Foundation grant application opens? Click the link below and register for our email list.



Past Winners

Over the years we’ve awarded over $1,033,500 in grants to 1,078 talented teachers and innovative programs. Here are some of the past winners.

2019 Grant Recipients2018 Grant Recipients2017 Grant Recipients

Grant Recipients

Grant Recipients receive funds after the costs are incurred. To get reimbursed for purchases, 2020 Grant Recipients will submit a Grant Funds Request form along with copies of paid receipts to by March 31, 2021, to receive a reimbursement to your A+FCU account.