From unlimited cash back on everyday purchases to dividends on savings, our checking and savings accounts help your financial well-being with every transaction.
| Minimum to Open | Minimum to Earn Dividends | Monthly Fee | APY | |
| Cash-Back Checking | $0 | N/A | $0 | N/A |
| A+ Checking | $0 | $500 | $5 (if balance falls below $500) |
0.05% |
| Money Market | $2,000 | $2,000 | $0 | 0.20% |
Do you use your debit card a lot? Would you like to earn money with every purchase? With Cash-Back Checking, you earn up to 10¢ cash back every time you make a purchase with your debit card.
This account offers the convenience of a checking account with the benefit of getting monthly dividends based on your daily balance.
A Money Market is a savings and checking hybrid. It’s the best of both worlds. With a Money Market, you’ll earn higher dividends each month along with PlusPoints.
| Minimum to Open | Minimum to Earn Dividends | Monthly Fee | APY | |
| Membership Savings | $15* | $100 | None | 0.15%** |
| Premier Savings | $25,000 | $25,000 | $20 (if balance falls below $25,000) |
0.23%*** |
| Platinum Savings | $100,000 | $100,000 | None | 0.30%*** |
This savings account is used to establish your membership with A+FCU. Use it to save for your goals or for a rainy day.
Have at least $25,000 saved and looking to earn more? With Premier Savings, your higher balance means higher monthly dividends.
This high balance account offers easy access to your funds while earning higher monthly dividends.
Youth Membership Savings | Cash-Back Checking | Support Your Schools
Learning smart money skills should start early. That’s why we offer a variety of products and resources for kids, teens, and young adults.
With a low minimum balance, no membership fee, and no monthly fee, the Youth Membership Savings account is designed to make it easier for kids and teens under 19 to start saving.
| Minimum to Open | Minimum to Earn Dividends | Monthly Fee | APY | |
| Youth Membership Savings | $10 | $10 | $0 | 0.15% |
The Cash-Back Checking account rewards you with unlimited cash back. Using your debit card on everyday purchases can help build your savings without even trying.
| Minimum to Open | Minimum Balance | Monthly Fee | Earnings | |
| Cash-Back Checking | $0 | $0 | $0 | Up to 10¢ per debit card purchase |
Get one of the following custom debit cards and A+FCU will also donate up to 10¢ per debit card purchase to the following schools and school districts:
| Supports | Issued At | |
 |
Akins High School | Akins HS Branch |
 |
Connally High School | Connally HS Branch |
 |
Hendrickson High School | Hendrickson HS Branch |
 |
Hutto ISD | Hutto Branch |
 |
Lake Travis ISD | Bee Cave Branch |
 |
Round Rock High School | Round Rock HS Branch |
 |
San Marcos High School | San Marcos HS Branch |
StartUP Share Certificate | Share Certificate | Plus Advantage Certificate
Share certificates may be part of your long-term savings strategy, but with terms from 6 to 60 months, you can access funds in the short-term too. Let us help steer you in the right direction.
OPEN
The StartUP Share Certificate is an easy way to start saving for the future, with a low $10 minimum balance, high 5.00% APY return, and the ability to add money to the certificate at any time up to $1,000. You can also redeem your PlusPoints to increase the APY up to 0.50%.
| Term | Minimum Balance | Maximum Balance | APY | |
| StartUP Share Certificate | 12 months | $10 | $1,000 | 5.00% |
Share certificates can help you achieve the right balance between long- and short-term savings goals. You can also redeem your PlusPoints to increase the APY by up to 0.50%.
| Term | Minimum Balance | APY |
| 6 month | $1,000 | 0.45% |
| 12 month | $1,000 | 0.70% |
| 24 month | $1,000 | 0.90% |
| 36 month | $500 | 1.06% |
| 48 month | $500 | 1.51% |
| 60 month | $500 | 1.71% |
Plus Advantage Certificates add the special feature of getting a one-time increase in the APY should rates increase (specific to certificate term and type). You can also redeem your PlusPoints to increase the APY by up to 0.50%.
| Term | Minimum Balance | APY |
| 12 month | $1,000 | 0.60% |
| 24 month | $1,000 | 0.80% |
| 36 month | $1,000 | 0.95% |
| 48 month | $1,000 | 1.41% |
| 60 month | $1,000 | 1.61% |
With online and mobile banking, you can take care of your financial business anywhere. All you need is a computer, phone, or tablet, and an internet connection.
We like seeing you in person, but we love making things convenient for you too. Access your accounts, move money around, and even apply for loans.
Questions? Read our A+ Online Banking FAQs.
Optimal browser functionality requires Chrome – Version 30 and higher, Safari – Version 6 and higher, Internet Explorer – Version 11 or higher, Edge, or Firefox – Version 24 and higher.
CHROME | SAFARI | IE 11 | EDGE | FIREFOX
A+ Mobile App | Mobile Check Deposit | A+ Card Guard App | Mobile Wallet | Visa Checkout
When you’re on the go, access to your account shouldn’t slow you down. With a variety of mobile apps and tools, you’re able to manage your money wherever you are.
The financial tools you need to access your accounts are just one tap away with the A+ Mobile app.
Just download the app from your device app store to get started.
Prefer convenience over visiting an A+FCU branch? No problem. Just use the A+ Mobile app to take a picture of the front and back of your check and follow the on-screen prompts.
LEARN MOREAdd an extra level of security to any of your A+FCU debit cards with the free A+ Card Guard app.
Register your debit cards to receive real-time alerts on card transactions. Alerts can be set for:
You can choose to receive your alerts via app push notification, text message, and/or email. For questions or technical support related to A+ Card Guard, call 844.688.4723.
Connect your A+FCU debit card to your smartphone, tablet, or smartwatch to make purchases with your device.
LEARN MORELove shopping online, but hate all the hassles when it’s time to pay? With Visa Checkout, a digital payment service, you can breeze through the purchasing process. Use it anywhere Visa Checkout is accepted – on the go with your tablet or smartphone, or at home with your computer.
With Bill Pay, easily pay your bills through A+ Online Banking or the A+ Mobile app. To help keep you on track, you can even set up text and email reminders.
To enroll in Bill Pay, log in to A+ Online Banking > Transactions > Bill Pay.
LEARN MORE
With a constantly updated view of your account balances and spending, myFinance is a powerful tool. Use it to manage your finances and build a budget. Key features include:
To get started, log in to A+ Online Banking > Services > myFinance.
LEARN MORE
Sometimes you need extra money. As part of our commitment to your financial well-being, we’re here to help with personal loans and competitive rates.
Needs and wants can be different when it comes to credit cards, and we’ll help you find the best one. A+FCU’s Visa and American Express cards offer reward points, cash back, or travel rewards, low interest as well as cards that help you build credit. All A+FCU credit cards have EMV smart chip technology and mobile purchasing capability.
| Details | |
| Visa Bonus Rewards Card | Earn 1 point for every $1 spent 25% bonus on all points earned monthly $25 cash back after first purchase* |
| Visa Bonus Rewards PLUS Card | Earn 1 point for every $1 spent 50% bonus on all points earned monthly $50 cash back after first purchase* |
| Cash Rewards American Express Card | Earn up to 3% cash back on gas Earn up to 2% cash back at supermarkets Earn up to 1% on all other net purchases $25 cash back after first purchase* |
| Travel Rewards American Express Card | Earn 3x rewards on airline purchases Earn 2x rewards on hotel and restaurant purchases Earn 1x rewards on all other purchases $75 cash back after first purchase* |
| Visa Platinum Card | Non-rewards card Fewer fees Lowest available APR |
| Secured Visa Card | Great to start or rebuild credit history** |
Log in to your A+FCU Credit Card account >
With our Personal Line of Credit, you can access your money at any time and conveniently transfer funds to one of your other accounts through A+ Online Banking or the A+ Mobile app.
| Details | Term | APR | |
| Up to $50,000 | Low monthly payments No annual fee |
Revolving | As low as 9.90% |
There's a vehicle out there for every personality and budget. From daily drivers to motorcycles to boats, we'll set you up with the right loan for your needs – with a competitive interest rate and flexible payment terms.
Buying your next car shouldn’t be a hassle. Let us help you with a pre-approval before you get to the dealer. Knowing the loan amount, payment terms, and rate can give you the information you need to make a smarter purchase.
Get 90 days with no payments* when you move an existing auto loan to A+FCU or get a new auto loan with us.
| Terms | APR | Payment Terms |
| 0-36 months | As low as 1.95% | $28.62 per $1,000 per month for 36 months |
| 37-66 months | As low as 2.20% | $16.10 per $1,000 per month for 66 months |
| 67-75 months | As low as 2.70% | $14.50 per $1,000 per month for 75 months |
| 76-84 months | As low as 3.20% | $13.30 per $1,000 per month for 84 months |
Bring your auto loan to A+FCU and get:
Apply using the code BEATRATE and see how much you can save.
APPLY
After buying a new or used vehicle, let A+FCU guide you to the right products designed to protect your investment.
Mechanical Breakdown Protection (MBP) is vehicle protection that covers mechanical failures after the manufacturer’s factory warranty expires. As vehicle repairs become more expensive, MBP helps pay for the rising costs of repairs.
Guaranteed Asset Protection (GAP) covers the difference between the cash value of your vehicle at the time of theft or total loss and what you actually owe on your loan. Most insurance companies only pay the cash value, regardless of how much you owe on your loan.
Credit Life and Disability Insurance is a way to help protect you and your family from the financial burden of your loan payments in the event of your injury, illness, or death.
Talk with your A+FCU lending representative about adding payment protection to your loan.
Through the TruStage Auto Insurance program, you may be able to save up to $519.52* on auto insurance.
If you’re buying or refinancing your auto loan, it’s a great time to get a quote. Click the button below or call 855.483.2149.
FREE QUOTE
Our competitive loan rates don’t stop at autos. Loans for motorcycles, boats, RVs, and ATVs can help get you on the road, water, or dirt path to fun.
| Term | APR | Payment Terms |
| 0 to 66 months | As low as 4.30% | $17.04 per $1,000 per month for 66 months |
| 67 to 84 months | As low as 4.55% | $13.92 per $1,000 per month for 84 months |
| 85 to 120 months | As low as 5.05% | $10.63 per $1,000 per month for 120 months |
| 121 to 144 months | As low as 5.55% | $9.53 per $1,000 per month for 144 months |
Depending on your wants, needs, and financial situation, we'll make sure you get the right loan. And when you’ve found the perfect home, make it your own with a home equity or home improvement loan.
If you’re buying a home or refinancing a mortgage, we can help with great rates, lower fees, and resources to help the process go smoothly.
| Details | Rate | APR | |
| Traditional Fixed-Rate Mortgage | Fixed payments Low down payments |
As low as 3.250% | As low as 3.500%* |
| Refinance | Low, locked-in rates Multiple loan options |
As low as 3.250% | As low as 3.353%** |
If you think you’ll be staying put in the same home for many years to come, a traditional fixed-rate mortgage may be right for you.
Saving money on your mortgage is simple and easy with A+FCU.
Refinancing could help you:
First-Time Homebuyer | Educator Mortgage | Federal Housing Authority (FHA) | Veterans Administration (VA)
If you’re a first-time homebuyer, an educator, or a veteran, we have a home loan program to fit your needs.
APPLY
Getting a loan is not quite as exciting as finding your dream home, so let us guide you through the process. Use HomeAdvantage to search for homes, find a real estate agent, and receive a rebate. Take advantage of exclusive savings with TruStage™ Home Insurance.
| Details | Rate | APR | |
| First-Time Homebuyer | 0.25% rate reduction 0.50% origination fee reduction |
As low as 2.750% | As low as 3.173% |
If you’re an educator, we offer special discounts on home loans. Use HomeAdvantage to search for homes, find a real estate agent, and receive a rebate. Take advantage of exclusive savings with TruStage™ Home Insurance.
| Details | Rate | APR | |
| Educator Mortgage | 0.25% rate reduction 0.50% origination fee reduction Also available to refinance an existing non-A+FCU mortgage |
As low as 2.750% | As low as 3.173% |
Depending on your situation, the Federal Housing Authority loan may be a good option.
The Veterans Administration loan offers 100% financing for qualified active or retired veterans of the Armed Forces, including Reservists.
A home equity loan or home equity line of credit allows you to use the value of your home to consolidate debt, cover unexpected expenses, or pay for college, among other things.
| Details | Rate | APR | |
| Home Equity Loan | Borrow up to 80% LTV Low, fixed rates |
As low as 3.250% | As low as 3.297% |
| Home Equity Line of Credit (HELOC) | Access funds easily Affordable payments |
As low as 5.250% |
Home improvement loans give you the resources you need to make a house a home.
| Rate | APR | |
| Home Improvement Loan | As low as 3.250% | As low as 3.297% |
The future isn’t as far away as you think, so the time to invest is now. We’re here to help you make smarter investment choices so you can have the kind of life you want.
Investing for the future can be intimidating, but together, we’ll create an investment strategy tailored to you.
Here are some of the questions we’ll help you answer:
Financial advisors are available by appointment at any branch. Call 512.302.6863 for assistance.
StartUP IRA | IRA Savings | IRA Certificate | IRA Plus Advantage Certificate
We offer different IRA products to meet your financial needs. The three main types of Individual Retirement Accounts (IRAs) are Traditional, Roth, and Simplified Employee Pension (SEP). Which one you choose depends on your individual financial situation and long-term goals.
| Overview | |
| Traditional IRA | Tax-deferred retirement account Contributions go in pre-tax and earnings grow tax-deferred Pay taxes when money is withdrawn in retirement |
| Roth IRA | Money goes in after tax Earnings grow tax-free Do not pay taxes when money is withdrawn in retirement |
| SEP IRA | Designed for self-employed individuals or small business owners Pay taxes when money is withdrawn in retirement |
The StartUP IRA is an easy way to start saving for retirement. Available as either a Traditional or Roth IRA, the StartUP IRA can be opened with only $10 and earns a higher APY return on balances up to $1,000 compared to other IRA accounts.
| Opening Balance | Minimum to Earn Dividends | APY | |
| StartUP Share IRA | $10 | $10-$1,000 $1,000.01+ |
5.12% 0.35% |
An IRA savings helps you save for retirement and is available as a Traditional IRA, Roth IRA, or SEP IRA.
| Opening Balance | Minimum to Earn Dividends | APY | |
| IRA Savings | $50 | $100 | 0.35% |
Certificates can help you achieve the right balance between long- and short-term investment goals. You can also redeem your PlusPoints to increase the APY by up to 0.50%.
| Term | Minimum Balance | APY |
| 12 month | $1,000 | 0.70% |
| 24 month | $1,000 | 0.90% |
| 36 month | $500 | 1.06% |
| 48 month | $500 | 1.51% |
| 60 month | $500 | 1.71% |
IRA Plus Advantage Certificates add the special feature of getting a one-time increase in the dividend rate should rates increase (specific to certificate term and type). What does that mean? It’s like leveling up in a video game, but for IRA share certificates. You can also redeem your PlusPoints to increase the APY by up to 0.50%.
| Term | Minimum Balance | APY |
| 12 month | $1,000 | 0.60% |
| 24 month | $1,000 | 0.80% |
| 36 month | $1,000 | 0.95% |
| 48 month | $1,000 | 1.41% |
| 60 month | $1,000 | 1.61% |
Do you have a high-deductible health care plan as defined by the Federal Government? You may be eligible for a Health Savings Account (HSA). With an HSA, contributions made through your employer are pretax and other contributions can be tax-deductible. Earnings are tax-free and withdrawals used for qualified medical expenses (as defined by the IRS) are also tax-free.
| Opening Balance | Minimum to Earn Dividends | APY | |
| HSA | $10 | $100 | 0.35% |
We're committed to your financial well-being, and that includes your business too. We’re here to guide you along the path to success with business checking, savings, loans, credit, and administrative services.
Every business has different needs. Each of our business checking accounts is designed to help meet those needs.
| Basic | Classic | Plus | |
| Minimum to Open | $50 | $100 | $500 |
| Minimum Balance (to waive fee) | None | $1,500 | $3,500 |
| Monthly Fee | None | $15 | $25 |
| Item Charge | 50 items free $0.25/item over 50 |
150 items free $0.25/item over 150 |
500 items free $0.25/item over 500 |
| Dividends | None | None | Balance over $3,500 |
| APY | N/A | N/A | $3,500 to $24,999.99 = 0.20%
— |
We offer several options for your business to save.
| Minimum to Open | Minimum to Earn Dividends | Monthly Fee | APY | |
| Business Membership Savings | $10 | $100 | None | 0.15%* |
| Business Premier Savings | $25,000 | $25,000 | $20 (if balance falls below $25,000) | 0.23%** |
| Business Platinum Savings | $100,000 | $100,000 | None | 0.30%** |
This savings account establishes your Business Membership with us.
With the Premier Savings, your business savings earns a higher dividend rate and helps you reach your business goals faster.
This high balance account offers easy access to your funds while earning higher monthly dividends.
Commercial Real Estate | Secured & Unsecured | Line of Credit | SBA Loans
Our Business Service Officers invest the time to learn about your business needs to find the financing that’s the best fit for your business.
Use a Commercial Real Estate loan to build, purchase, or refinance both owner occupied and non-owner occupied real estate for a variety of business properties including:
Secured Loans
Unsecured Loans
A business line of credit is a great option if you need money quickly for unanticipated expenses as well as seasonal expenses.
SBA loans are backed by the Federal Government and designed to help small businesses with financing when traditional financing options are limited. The program provides financing when there is limited or no collateral, limited management/ownership experience, limited equity or down payment, and for start-up businesses or for expansion loans.
SBA 7(a)
The 7(a) loan program is the SBA’s most common loan program.
Visit the SBA 7(a) Loan page on sba.gov for:
SBA CDC/504
The SBA CDC/504 loan program is specially designed to help business owners to finance fixed major assets like heavy machinery and equipment and to finance buying or renovating buildings including ground-up construction.
Visit the SBA CDC/504 Loan page on sba.gov for:
Take care of day-to-day expenses and keep your business and personal finances separate with a Visa® Business Credit Card. With a variety of reward options, let us help you find the right credit card for your business needs.
| Details | |
| Visa Business Bonus Rewards Card | Earn 1 point for every $1 spent 25% bonus on all points earned monthly $25 cash back after first purchase |
| Visa Business Bonus Rewards PLUS Card | Earn 1 point for every $1 spent 50% bonus on all points earned monthly $50 cash back after first purchase |
| Visa Business Cash Card | Up to 3% cash back on office supply purchases Up to 2% cash back on restaurant & gas purchases Up to 1% on all other net purchases $25 cash back after first purchase |
| Visa Business Card | Extended introductory offer No annual fee Apply at any branch location |
Health Savings Accounts | Business Bill Pay | Cash Management | Merchant Services | HR Services
As a business owner, you’re bound to have administrative needs. We can help with services that include bill pay, cash management, merchant services, and HR resources.
Looking for a lower-cost alternative to rising healthcare costs? Offering an HSA with a qualifying High-Deductible Healthcare Plan (HDHP) is a great way to control insurance costs for both employers and employees.
| Opening Balance | Minimum to Earn Dividends | APY | |
| Health Savings Account | $10 | $100 | 0.35% |
Conveniently and securely pay bills, delegate payment tasks and set permissions, set up final approvals, and get on-demand customized reporting.
To enroll, visit A+ Online Banking and click on the Bill Pay tab. We’ll call you to finalize the setup. If you have questions, call us at 512.302.6800.
GET STARTEDA+FCU Cash Management helps simplify your most common transactions, and it’s customizable.
Our trusted partner, TSYS, gives your business the ability to accept credit cards, including Visa®, MasterCard®, American Express®, Discover®, JCB®, and Diners Carte Blanche®.
Our partners at CU People offer a full array of employee benefits solutions.
Click the button to get started or call their team of HR professionals at 281.243.6400.
GET STARTED
Routing #314977104 | Privacy and Disclosures | Fee Schedule
Federally insured by NCUA | Additional coverage up to $250,000 provided by ESI
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