a person typing on a laptop while also writing in a notebook
Guidance

Rates

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

Checking & Savings

Checking Accounts

Scroll to see more details
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 $52 0.05%3
Money Market $2,000 $2,000 $0 0.35%3
Health Savings Account $10 $100 N/A 0.30%3

Explore Checking Accounts

1APY = Annual Percentage Yield. 2$5 fee if balance falls below $500. 3Rates effective 2.1.2024 and are subject to change without notice.

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

 

Savings Accounts

Scroll to see more details
Rates for membership, platinum, premium, and youth membership savings accounts
Minimum to Open Minimum to Earn Dividends Monthly Fee APY1
Membership Savings $10 $100 None 0.10%2
Youth Membership Savings $10 $10 $0 0.10%2
Money Market $2,000 $2,000 $0 0.35%2
Premier Savings $25,000 $25,000 $203 0.60%2
Platinum Savings $100,000 $100,000 None 0.70%2

More Savings Accounts

1APY = Annual Percentage Yield. 2Rates effective 2.1.2024 and are subject to change without notice. 3$20 monthly fee if balance falls below $25,000.

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

Certificate Rates

StartUP Share Certificate3

Scroll to see more details
StartUP Share Certificate Rates Table
Term Minimum Balance Maximum Balance APY1
12 Months $10 $1,000 5.00%2

StartUP Certificate

 

Save to Win® Certificate4

Scroll to see more details
Save to Win Dividend Table
Term Minimum Balance APY1
12 Months $25 4.23%2

Save To Win Certificate

 

Share Certificates Rates

Scroll to see more details
Share Certificates Rates Table
Term Minimum Balance APY1
6 month $1,000 4.07%2
12 month $1,000 4.28%2
18 month $1,000 4.39%2
24 month $1,000 4.07%2
36 month $1,000 3.87%2
48 month $1,000 3.87%2
60 month $1,000 3.87%2

Share Certificates

 

Plus Advantage Certificates Rates5

Scroll to see more details
Plus Advantage Certificate Rates Table
Term Minimum Balance APY1
12 month $1,000 4.18%2
18 month $1,000 4.28%2
24 month $1,000 3.97%2
36 month $1,000 3.76%2
48 month $1,000 3.76%2
60 month $1,000 3.76%2

Plus Advantage Certificates

 

New Money Advantage Certificates Rates6

Scroll to see more details
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 Certificate6 $1,000 $1,000,000 4.50%2
37-Month New Money Advantage Share Certificate6 $1,000 $1,000,000 4.00%2

New Money Advantage Certificates

1APY = Annual Percentage Yield. 2Rates effective 2.1.2024 and are subject to change without notice.

3Dividends calculated on daily balance, paid monthly, and automatically transferred to Membership Savings Account. Limit one StartUP Share Certificate per member.

4PlusPoints 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.

5To increase the rate during the term of Plus Advantage Certificates using PlusPoints, PlusPoints must again be available at each rate change.

6Money 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.

IRA Rates

StartUP & Variable Rate IRA

Scroll to see more details
StartUP IRA and Variable Rate IRA rates table
Opening Balance Minimum to Earn Dividends APY1
StartUP IRA3 $10 $10-$1,000
$1,000.01+
5.12%2
0.31%2
Variable Rate4 $50 $100 0.30%2

IRAs

 

IRA Certificates

Scroll to see more details
IRA Certificates rate table
Term Minimum Balance APY1
12 month $1,000 4.28%2
18 month $1,000 4.39%2
24 month $1,000 4.07%2
36 month $1,000 3.87%2
48 month $1,000 3.87%2
60 month $1,000 3.87%2

IRAs

 

IRA Plus Advantage Certificates

Scroll to see more details
IRA Plus Advantage Certificates rate table
Term Minimum Balance APY1
12 month $1,000 4.18%2
18 month $1,000 4.28%2
24 month $1,000 3.97%2
36 month $1,000 3.76%2
48 month $1,000 3.76%2
60 month $1,000 3.76%2

IRAs

1APY = Annual Percentage Yield. 2Rates effective 2.1.2024 and are subject to change without notice.

35.12% APY applies to balances of $10 – $1,000. 0.31% APY applies to balances of $1,000.01 and greater.

4$50 opening balance required. $100 minimum balance required to earn dividends.

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

Vehicle Loans

Call us at 512.421.2874 for the most current vehicle loan rates including car, truck, RV, motorcycle, power sports vehicles, and more.

More Vehicle Loans

Home Loan Rates

Mortgage Purchase

Scroll to see more details
Rates, Annual Percentage Rates, Terms, and Monthly Payment Terms for various mortgage loan options
Rate APR1 Estimated Payment
10-Year Fixed2 As low as 6.500% As low as 6.712% $3,974.18 per month for 10 years
15-Year Fixed2 As low as 6.250% As low as 6.396% $3,000.98 per month for 15 years
20-Year Fixed2 As low as 6.500% As low as 6.620% $2,609.51 per month for 20 years
30-Year Fixed2 As low as 6.750% As low as 6.845% $2,270.09 per month for 30 years

Mortgage Purchase

 

Mortgage Refinance

Scroll to see more details
Rates, Annual Percentage Rates, Terms, and Monthly Payment Terms for various mortgage refinance loan options
Rate APR1 Estimated Payment
10-Year Fixed Refinance2 As low as 6.500% As low as 6.712% $3,974.18 per month for 10 years
15-Year Fixed Refinance2 As low as 6.250% As low as 6.396% $3,000.98 per month for 15 years
20-Year Fixed Refinance2 As low as 6.500% As low as 6.620% $2,609.51 per month for 20 years
30-Year Fixed Refinance2 As low as 6.750% As low as 6.845% $2,270.09 per month for 30 years

Mortgage Refinance

 

Home Equity Loan & Home Equity Line Of Credit

Scroll to see more details
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 Loan3 As low as 6.240% As low as 6.240% $8.57 per $1,000 per month for 15 years
Home Equity Line of Credit4 As low as 7.990%

Home Equity & HELOC

1APR=Annual Percentage Rate.

2As 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.

3Home Equity Loan rates listed are for 15-year loans.

4Maximum 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. Additional terms available. NMLS #405608. Rates as of 2.20.2024.

Personal Loan Rates

A+ Personal Loan

Scroll to see more details
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 8.99%2 $16.08 per $1,000 per month for 84 months

A+ Personal Loan

 

A+ Preferred Line Of Credit

Scroll to see more details
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 10.99%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 2.20.2024, the variable A+ Preferred Line of Credit APR ranges from 10.99% 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 2.20.2024.

Banking on each other.
Building stronger communities.®