Save and Invest

Paying for higher education can be expensive and challenging for families, start early and invest for the future with A+FCU Savings and Investment accounts.

Money Market

Enjoy the flexibility of saving for expenses with a Money Market, a high-end savings and checking rolled into one.


  • Open with as little as $2,000
  • Competitive dividends compounded and paid monthly
  • Unlimited in-person withdrawals without penalty or fee
  • Up to six (6) transfers and withdrawals from your account to another account per month by any electronic means or check, draft or similar order
  • Monthly statements with detailed transactions

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Share Certificates

Save for books, fees and tuition with an A+FCU Share Certificate that offers compounded dividends paid monthly, with terms from six months to five years.


  • Dividends compounded and paid monthly
  • Terms from six months to five years
  • Minimum opening deposits start as low as $500, with options available up to $100,000.

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Texas Uniform Transfers to Minors Account (TUTMA)

A TUTMA gives your an opportunity to provide for your child or grandchild’s future.

  • Established for minors under the age of 21
  • Managed by a custodian until the minor turns 21

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Coverdell Education Savings Account

If you’re wondering how you’ll pay for your child’s education, a Coverdell Education Savings Account (formerly known as an Education IRA) can be a smart way to save.

With a Coverdell Education Savings Account, withdrawals, including earnings, are tax-free if used for tuition, books and other qualified higher-education expenses.

Tax Advantages

  • Withdrawals, including earnings, are tax free if used for tuition, fees, books, computers and other qualified expenses for elementary, secondary and post-secondary education
  • Special-needs beneficiaries can withdraw funds tax free to pay for qualified education expenses at any age
  • Beneficiary may receive tax-free distributions in the same year he or she claims the Lifetime Learning or HOPE Scholarship tax credits

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College Savings Plans & 529s

Let an experienced financial representative at A+ Financial Center assist you in developing a college savings plan to help cover higher education expenses.

Go to A Plus Financial Center