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Educator Loans

Loans to make life a little easier for educators.

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.

This loan is available annually from July 15 through September 30.

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 member must meet Classroom Cash account requirements including: no negative shares; all loans current; no late payments >30 days on any A+FCU loan, open or paid off; no current or prior charge offs with A+FCU; maximum of $250 in non-sufficient funds (NSF) fees year-to-date on current checking accounts and any checking account closed within the past year; no current or prior bankruptcy status.

Educator Mortgage Loan

If you’re an educator, we offer special discounts on loans for purchasing a home or refinancing a mortgage. Additionally, use HomeAdvantage to search for homes, find a real estate agent, and receive a rebate. Also, take advantage of exclusive savings with TruStage™ Home Insurance.



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. NMLS #405608.

Bridge Loan

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

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 Member’s share accounts must be positive and all loans must be current. Membership required.

Certification Loan

Cover the cost of your teacher certification through 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 Member’s share accounts must be positive and all loans must be current. 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.


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:



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 Filene Research Institute, 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. 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 developing 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 employed at a pre-K to 12 school within A+FCU’s field of membership. Since 2005, the A+ Education Foundation has awarded over $1,197,500 to 1,201 educators.

Interested in learning about the 2023 grant application? Register to receive emails about important updates.


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 proposed 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
  • 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. Including restricted information will be cause for disqualification.

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 employed at a pre-K to 12 school within A+FCU’s field of membership. Applicants must also be primary members of A+FCU, meaning their name is first on a joint account or the 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 one’s students. This means duplicate submissions will not be considered; applicants must work on their submission independently and provide unique responses.

Important Dates
  • February 15, 2023: Grant applications open for the 2023 grant cycle
  • March 31, 2023: Deadline for fund expenditures by 2022 grant recipients
  • May 31, 2023: Deadline for project evaluation by 2022 grant recipients
  • May 31, 2023: Deadline for accepting 2023 grant applications
  • July 19, 2023: Foundation notifies grant applicants
  • March 31, 2024: Deadline for fund expenditures by 2023 grant recipients
  • May 31, 2024: Deadline for project evaluation by 2023 grant recipients

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

2022 Grant Winners

For the 2022 Grant program, the A+ Education Foundation awarded over $79,700 to 59 Central Texas educators.


Past Winners

Over the years we’ve awarded over $1.19 million in grants to 1,201 talented teachers and innovative programs. Here are some of the past winners.

2021 Grant Recipients | 2020 Grant Recipients | 2019 Grant Recipients

Grant Recipients

Grant recipients receive funds after the costs are incurred. To get reimbursed, grant recipients will submit additional electronic forms with copies of paid receipts via the application portal by 11:59 pm the day of the fund expenditures deadline.

Completion of a grant application in no way guarantees eligibility or funding. The A+ Education Foundation Board shall be the sole decision-maker regarding the award of any grant, and its decision shall be final. The Foundation also reserves the right to amend the terms of any grant at any time without prior notice.