Rates
Compare rates for various products including checking and savings accounts, certificates, home loans, vehicle loans, and more.
Checking & Savings
| 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%4 |
| Health Savings Account | $10 | $100 | N/A | 0.30%3 |
1APY = Annual Percentage Yield. 2$5 fee if balance falls below $500. 3Declared rate: 6.1.2023 through 6.30.2023. 4Effective date: 5.30.2023 (6pm) through 6.6.2023 (5:59pm).
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.
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%3 |
| Premier Savings | $25,000 | $25,000 | $204 | 0.60%3 |
| Platinum Savings | $100,000 | $100,000 | None | 0.70%3 |
1APY = Annual Percentage Yield. 2Declared rate: 6.1.2023 through 6.30.2023. 3Effective date: 5.30.2023 (6pm) through 6.6.2023 (5:59pm). 4$20 monthly fee if balance falls below $25,000.
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
| Term | Minimum Balance | Maximum Balance | APY1 |
|---|---|---|---|
| 12 Months | $10 | $1,000 | 5.00% |
| Term | Minimum Balance | APY1 |
|---|---|---|
| 12 Months | $25 | 3.76% |
| Term | Minimum Balance | APY1 |
|---|---|---|
| 6 month | $1,000 | 3.40% |
| 12 month | $1,000 | 3.82% |
| 18 month | $1,000 | 3.87% |
| 24 month | $1,000 | 3.92% |
| 36 month | $1,000 | 4.07% |
| 48 month | $1,000 | 4.07% |
| 60 month | $1,000 | 4.07% |
| Term | Minimum Balance | APY1 |
|---|---|---|
| 12 month | $1,000 | 3.71% |
| 18 month | $1,000 | 3.76% |
| 24 month | $1,000 | 3.82% |
| 36 month | $1,000 | 3.97% |
| 48 month | $1,000 | 3.97% |
| 60 month | $1,000 | 3.97% |
| Minimum Balance | Maximum Balance | APY1 | |
|---|---|---|---|
| 19-Month New Money Advantage Share Certificate | $1,000 | $1,000,000 | 4.00% |
| 37-Month New Money Advantage Share Certificate | $1,000 | $1,000,000 | 4.20% |
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: 5.30.2023 (6pm) through 6.6.2023 (5:59pm).
IRA Rates
StartUP & Variable Rate IRA
| 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 |
| Term | Minimum Balance | APY1,4 |
|---|---|---|
| 12 month | $1,000 | 3.82% |
| 18 month | $1,000 | 3.87% |
| 24 month | $1,000 | 3.92% |
| 36 month | $1,000 | 4.07% |
| 48 month | $1,000 | 4.07% |
| 60 month | $1,000 | 4.07% |
| Term | Minimum Balance | APY1,4 |
|---|---|---|
| 12 month | $1,000 | 3.71% |
| 18 month | $1,000 | 3.76% |
| 24 month | $1,000 | 3.82% |
| 36 month | $1,000 | 3.97% |
| 48 month | $1,000 | 3.97% |
| 60 month | $1,000 | 3.97% |
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: 5.30.2023 (6pm) through 6.6.2023 (5:59pm).
3$50 opening balance required. $100 minimum balance required to earn dividends. Declared rate from 6.1.2023 through 6.30.2023.
4Effective dates: 5.30.2023 (6pm) through 6.6.2023 (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.
Mortgage Purchase
| Rate | APR1 | Estimated Payment | |
|---|---|---|---|
| 10-Year Fixed2 | As low as 6.000% | As low as 6.172% | $3,885.72 per month for 10 years |
| 15-Year Fixed2 | As low as 6.000% | As low as 6.161% | $2,953.50 per month for 15 years |
| 20-Year Fixed2 | As low as 6.375% | As low as 6.476% | $2,583.81 per month for 20 years |
| 30-Year Fixed2 | As low as 6.500% | As low as 6.578% | $2,212.24 per month for 30 years |
| Rate | APR1 | Estimated Payment | |
|---|---|---|---|
| 10-Year Fixed Refinance2 | As low as 6.000% | As low as 6.172% | $3,885.72 per month for 10 years |
| 15-Year Fixed Refinance2 | As low as 6.000% | As low as 6.161% | $2,953.50 per month for 15 years |
| 20-Year Fixed Refinance2 | As low as 6.375% | As low as 6.476% | $2,583.81 per month for 20 years |
| 30-Year Fixed Refinance2 | As low as 6.500% | As low as 6.578% | $2,212.24 per month for 30 years |
| Rate | APR1 | Estimated Payment Terms | |
|---|---|---|---|
| Home Equity Loan3 | As low as 6.625% | As low as 6.657% | $8.80 per $1,000 per month for 15 years |
| Home Equity Line of Credit4 | As low as 7.500% |
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 5.31.2023.
Personal Loan Rates
A+ 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 |
| Terms | APR1 | |
|---|---|---|
| A+ Preferred Line of Credit | Revolving line of credit | As low as 10.74%3 |
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 5.31.2023, the variable A+ Preferred Line of Credit APR ranges from 10.74% 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 5.31.2023.