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Rates

Compare rates for various products including checking and savings accounts, certificates, home loans, vehicle loans, and more.

Jump to: Checking & Savings Certificate Rates IRAs Home Loans Vehicle Loans Personal Loans

Checking & Savings

Checking Accounts

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Table comparing dividend rates for the A+ Checking, Money Market, and Health Savings Accounts.
Minimum to Open Minimum to Earn Dividends Monthly Fee APY1
A+ Checking $0 $500 $5 (if balance falls below $500) 0.05%2
Money Market $2,000 $2,000 $0 0.35%3
Health Savings Account $10 $100 N/A 0.30%2

Explore Checking Accounts
 

Savings Accounts

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Rates for membership, platinum, premium, and youth membership savings accounts
Minimum to Open Minimum to Earn Dividends Monthly Fee APY1
Membership Savings $154 $100 None 0.10%2
Premier Savings $25,000 $25,000 $20 (if balance falls below $25,000) 0.45%3
Platinum Savings $100,000 $100,000 None 0.70%3
Youth Membership Savings $10 $10 $0 0.10%2

More Savings Accounts

1APY = Annual Percentage Yield. 2Declared rate: 2.1.2023 through 2.28.2023. 3Effective date: 1.24.2023 (6pm) through 1.31.2023 (5:59pm). 4Includes $10 opening deposit and a $5 new membership fee.

Membership required. Insured by NCUA. All checking accounts screened through ChexSystems. Rates subject to change without notice. Fees could reduce earnings. See Fee Schedule. Conditions and restrictions may apply. Subject to change without notice.

Certificate Rates

StartUP Share Certificate2

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StartUP Share Certificate Rates Table
Term Minimum Balance Maximum Balance APY1
12 Months $10 $1,000 5.00%

StartUP Certificate
 

Save to Win® Certificate3

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Save to Win Dividend Table
Term Minimum Balance APY1
12 Months $25 2.79%

Save To Win Certificate
 

Share Certificates Rates

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Share Certificates Rates Table
Term Minimum Balance APY1
6 month $1,000 2.53%
12 month $1,000 2.84%
18 month $1,000 2.94%
24 month $1,000 3.04%
36 month $1,000 3.09%
48 month $1,000 3.09%
60 month $1,000 3.45%

Share Certificates
 

Plus Advantage Certificates Rates4

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Plus Advantage Certificate Rates Table
Term Minimum Balance APY1
12 month $1,000 2.73%
18 month $1,000 2.84%
24 month $1,000 2.94%
36 month $1,000 2.99%
48 month $1,000 2.99%
60 month $1,000 3.35%

Plus Advantage Certificates
 

New Money Advantage Certificates Rates5

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table with rates, minimum balance, and maximum balance for new money advantage share certificates
Minimum Balance Maximum Balance APY1
19-Month New Money Advantage Share Certificate $1,000 $1,000,000 3.75%
37-Month New Money Advantage Share Certificate $1,000 $1,000,000 4.00%

New Money Advantage Certificates
 

1APY = Annual Percentage Yield.

2Dividends calculated on daily balance, paid monthly, and automatically transferred to Membership Savings Account. Limit one StartUP Share Certificate per member.

3PlusPoints cannot be used with a Save to Win Certificate. Limit one Save to Win Certificate per member. Must be 18 years of age or older.

4To increase the rate during the term of Plus Advantage Certificates using PlusPoints, PlusPoints must again be available at each rate change.

5Money must be new to A+FCU. Programs, rates, terms, and conditions are subject to change without notice. Penalty may be assessed for early withdrawal. Cannot use PlusPoints for New Money Advantage Share Certificates. At maturity, 19-month certificate will automatically renew for an 18-month term and 37-month certificate will automatically renew for a 36-month term. $1,000,000 maximum balance allowed across all New Money Advantage Certificates.

Membership required. Insured by NCUA. Penalty may be imposed for early withdrawals. Conditions and restrictions may apply. Subject to change without notice. Effective Dates: 1.24.2023 (6pm) through 1.31.2023 (5:59pm).

IRA Rates

StartUP & Variable Rate IRA

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StartUP IRA and Variable Rate IRA rates table
Opening Balance Minimum to Earn Dividends APY1
StartUP IRA $10 $10-$1,000
$1,000.012
5.12%2
0.31%2
Variable Rate $50 $100 0.30%3

IRAs
 

IRA Certificates

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IRA Certificates rate table
Term Minimum Balance APY1,4
12 month $1,000 2.84%
18 month $1,000 2.94%
24 month $1,000 3.04%
36 month $1,000 3.09%
48 month $1,000 3.09%
60 month $1,000 3.45%

IRAs
 

IRA Plus Advantage Certificates

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IRA Plus Advantage Certificates rate table
Term Minimum Balance APY1,4
12 month $1,000 2.73%
18 month $1,000 2.84%
24 month $1,000 2.94%
36 month $1,000 2.99%
48 month $1,000 2.99%
60 month $1,000 3.35%

IRAs

1APY = Annual Percentage Yield.

25.12% APY applies to balances of $10 – $1,000. 0.31% APY applies to balances of $1,000.01 and greater. Effective dates: 1.24.2023 (6pm) through 1.31.2023 (5:59pm).

3$50 opening balance required. $100 minimum balance required to earn dividends. Declared rate from 2.1.2023 through 2.28.2023.

4Effective dates: 1.24.2023 (6pm) through 1.31.2023 (5:59pm).

Membership required. IRAs are insured separately from other accounts and are federally insured up to $250,000 by NCUA. Rates subject to change. Conditions and restrictions may apply. Subject to change without notice.

Home Loan Rates

Mortgage Purchase

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Rates, Annual Percentage Rates, Terms, and Monthly Payment Terms for various mortgage loan options
Rate APR1 Estimated Payment
15-Year Fixed2 As low as 6.250% As low as 6.340% $3,000.98 per month for 15 years
30-Year Fixed3 As low as 6.375% As low as 6.478% $2,183.54 per month for 30 years
5/5 ARM4 As low as 6.250% As low as 6.483% $2,155.01 per month for initial fixed rate period (5 years)
10/10 ARM2 As low as 6.250% As low as 6.389% $2,155.01 per month for initial fixed rate period (10 years)

Mortgage Purchase
 

Mortgage Refinance

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Rates, Annual Percentage Rates, Terms, and Monthly Payment Terms for various mortgage refinance loan options
Rate APR1 Estimated Payment5
15-Year Fixed Refinance As low as 6.250% As low as 6.340% $3,000.98 per month for 15 years
30-Year Fixed Refinance As low as 6.375% As low as 6.478% $2,183.54 per month for 30 years
5/5 ARM Refinance As low as 6.250% As low as 6.483% $2,155.01 per month for initial fixed rate period (5 years)
10/10 ARM Refinance As low as 6.250% As low as 6.389% $2,155.01 per month for initial fixed rate period (10 years)

Mortgage Refinance
 

Home Equity Loan & Home Equity Line Of Credit

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Rates, Annual Percentage Rates, Terms, and Monthly Payment Terms for Home Equity Loans and Home Equity Line Of Credit
Rate APR1 Estimated Payment Terms
Home Equity Loan6 As low as 6.3750% As low as 6.3750% $8.64 per $1,000 per month for 15 years
Home Equity Line of Credit7 As low as 7.500%

Home Equity & HELOC
 

1APR=Annual Percentage Rate.

215-Year Fixed Purchase, 10/10 ARM Purchase: As low as rates and payments are based on a $350,000 loan amount with a 70% LTV, credit score >=760, and a 0.50% discount point. Payment examples do not include taxes and insurance premiums; actual payment may be greater.

330-Year Fixed Purchase: As low as rates and payments are based on a $350,000 loan amount with a 70% LTV, credit score >=760, and a 1% discount point. Payment examples do not include taxes and insurance premiums; actual payment may be greater.

45/5 ARM Purchase: As low as rates and payments are based on a $350,000 loan amount with a 70% LTV, and credit score >=760. Payment examples do not include taxes and insurance premiums; actual payment may be greater.

5As low as rates and payments are based on a $350,000 loan amount with a 70% LTV, and credit score >=760. Payment examples do not include taxes and insurance premiums; actual payment may be greater.

6Home Equity Loan rates listed are for 15-year loans.

7Maximum loan amount of $250,000. HELOCs are a variable rate product. Read CFPB HELOC Guide.

Membership required. LTV = Loan to Value. Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. Rates are subject to credit score, loan-to-value matrix adjustments, and normal credit underwriting factors. Property must be located in Texas and primary owner-occupied single family residence. ARM interest rates and payments are subject to increase after initial fixed-rate period (5 years for a 5/5 ARM, 10 years for a 10/10 ARM). ARM rate adjustments are determined by an index and margin, the index of which is variable and therefore unknown for future payments. Additional terms available. NMLS #405608. Rates as of 1.13.2023.

Vehicle Loan Rates

Auto Loans

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Rates, Terms, and Monthly Payment Terms for Auto Loans
APR1 Estimated Payment
6-36 Month Term As low as 7.69% $31.19 per $1,000 per month for 36 months
37-66 Month Term As low as 7.69% $18.63 per $1,000 per month for 66 months
67-75 Month Term As low as 8.19% $17.08 per $1,000 per month for 75 months
76-84 Month Term As low as 8.44% $15.81 per $1,000 per month for 84 months
85-96 Month Term As low as 8.69%2 $14.49 per $1,000 per month for 96 months

Auto Loans
 

RV Loans

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Rates, Terms, and Monthly Payment Terms for RV Loans
Terms APR1 Payment Terms
6-66 months As low as 8.92% $19.23 per $1,000 per month for 66 months
67-84 months As low as 9.42% $16.30 per $1,000 per month for 84 months
85-120 months As low as 9.92% $13.17 per $1,000 per month for 120 months
121-180 months As low as 10.42% $11.00 per $1,000 per month for 180 months

RV Loans
 

Boat Loans

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Rates, Terms, and Monthly Payment Terms for Boat Loans
Terms APR1 Payment Terms
6-66 months As low as 8.84% $19.19 per $1,000 per month for 66 months
67-84 months As low as 9.84% $16.52 per $1,000 per month for 84 months
85-120 months As low as 10.84% $13.68 per $1,000 per month for 120 months
121-180 months As low as 11.84% $13.04 per $1,000 per month for 144 months

Boat Loans
 

Motorcycle Loans

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Rates, Terms, and Monthly Payment Terms for Motorcycle Loans
Terms APR1 Payment Terms
6-66 months As low as 8.49% $19.02 per $1,000 per month for 66 months
67-84 months As low as 9.49% $16.34 per $1,000 per month for 84 months

Motorcycle Loans
 

Power Sports Vehicle Loans

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Rates, Terms, and Monthly Payment Terms for Power Sports Vehicle Loans
Terms APR1 Payment Terms
6-66 months As low as 8.49% $19.02 per $1,000 per month for 66 months
67-84 months As low as 9.49% $16.34 per $1,000 per month for 84 months

Power Sports Loans

1APR=Annual Percentage Rate.

285-96 month term loan requires minimum credit score of 720 and loan amounts of $100,000 or more.

Membership required. Associations and business accounts are not eligible. Normal lending criteria apply. All loans subject to credit approval. Programs, rates, terms, and conditions are subject to change without notice. As low as rate includes 0.25% rate reduction for automatic payment from an A+FCU account or electronic funds transfer from another financial institution and 0.50% rate reduction for 5,000 PlusPoints. Rate may increase if automatic payment is cancelled. Can use 5,000 PlusPoints to lower rate by 0.50% or 2,500 PlusPoints to lower rate by 0.25%. We are not currently doing loans for private party sales. Rates as of 1.13.2023.

Personal Loan Rates

A+ Personal Loan

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Rates, Annual Percentage Rates, Terms, and Monthly Payment Terms for Personal Loan
Terms APR1 Estimated Payment Terms
A+ Personal Loan Up to 84 months As low as 9.74%2 $16.47 per $1,000 per month for 84 months

A+ Personal Loan
 

A+ Preferred Line Of Credit

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Rates, Annual Percentage Rates, Terms, and Monthly Payment Terms for A+ Preferred Line of Credit
Terms APR1
A+ Preferred Line of Credit Revolving line of credit As low as 9.99%3

A+ Preferred Line Of Credit

1APR=Annual Percentage Rate.

2As low as rate include 0.25% rate reduction for automatic payment from A+FCU account or electronic funds transfer from another financial institution. Cannot use PlusPoints to lower rate. Actual rate may vary depending on each individual’s credit history and underwriting factors. Rate may increase if automatic payment is cancelled.

3The Annual Percentage Rate (APR) is variable and is based upon an index plus a margin. The APR will vary with Prime Rate (the index) as published in the Wall Street Journal. As of 1.13.2023, the variable A+ Preferred Line of Credit APR ranges from 9.99% to 18.00% APR and the margin varies based on creditworthiness. Excellent credit is required to qualify for the lowest rates.

Membership required. Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. Rates are subject to credit score and normal credit underwriting factors. Cannot have both an open A+ Line of Credit and an open A+ Preferred Line of Credit. A+ Preferred Line of Credit is an open-ended line of credit. Minimum loan amount of $2,500. Rates as of 1.13.2023.

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