A+FCU Membership

Be a member, not a customer.

When you’re an A+FCU member, you’re also an owner with a say in your credit union. Joining is easy and comes with a wide variety of member-only benefits.

OPEN YOUR ACCOUNT

How to Join

Joining A+FCU is easy. In addition to partnerships with over 300 schools, districts, businesses, community organizations, and more, there are plenty of other ways to join.

A family member is a current A+FCU member
Make a one-time dues payment of $10 to the A+ Education Foundation (made when you open your account)
You are a member, employee, or student of any of the organizations or businesses listed below:

An employee or student of select schools

Faculty, Staff, and Students of the following:

Central Texas College
Southwestern University
Texas State University

Staff and Students of the following:

Acton Academy
American YouthWorks’ Charter School
Austin Can Academy
Austin Community College (Students must be active members in the ACC Student Life system)
Austin ISD
Austin Jewish Academy
Bastrop ISD
Brentwood Christian School
Central Texas Allied Health Institute
Chabad House Lubavitch Bais Menachem Hebrew Academy
Concordia Academy High School
Del Valle ISD
Eden Park Academy
Georgetown ISD
Hays CISD
Hutto ISD
Killeen ISD
KPM Institute
Lake Travis ISD
Leander ISD
Liberty Hill ISD
Manor ISD
Mt. Sinai Christian Academy
Orenda Education
Paragon Preparatory School
Pflugerville ISD
Premier High School of Austin
Round Rock ISD
San Marcos Baptist Academy
San Marcos CISD
Santa Cruz Catholic School, Buda
Schoolhouse Academy
Smithville ISD
Southwestern University
Texas Empowerment Academy
Taylor ISD
Texas Preparatory School
Wayside Schools

Staff of the following:

All Saints’ Day School
Applegate SDA (Seventh Day Adventist) School
Austin Achieve Public Schools
Austin Peace Academy
Austin Jewish Community Day School
Austin SDA (Seventh Day Adventist) Junior Academy
Austin Waldorf School
Bannockburn Baptist Elementary School
Blanco ISD
Burnet CISD
Calvary Episcopal School (Faculty)
Capitol School of Austin
Cathedral School of St. Mary
College Living Experience (CLE)
Coupland ISD
Doss CISD
Dripping Springs ISD
Eanes ISD
Elgin ISD
Florence ISD
Fredericksburg ISD
Gonzales ISD
Good Shepherd Episcopal School
Good Shepherd Lutheran School
Grace Episcopal Preschool
Granger ISD
The Griffin School
Harmony School
Hill Country Christian School
Hill Country SDA (Seventh Day Adventist) School
Holy Family Catholic School
Holy Trinity Catholic HS
Holy Trinity Catholic School
Hope Lutheran School
Huntington-Surrey High School
Hyde Park Schools
IDEA Public Schools in Austin
Jarrell ISD
Johnson City ISD
The Khabele School
Kipp Austin Public Schools
Kirby Hall School
Lago Vista ISD
Lampasas ISD
Lockhart ISD
Lometa ISD
Luling ISD
Marble Falls ISD
McDade ISD
Nixon-Smiley ISD
Odyssey School
Orenda Education
Our Savior Lutheran School
Primrose School of Bee Cave
Primrose School of Four Points
Primrose School of Round Rock
Rawson-Saunders School
Redeemer Lutheran School
Regents School of Austin
Reicher Catholic High School
Rocking Horse Academy
Round Rock Christian Academy
Sacred Heart School
San Juan Diego Catholic High School
San Marcos ADV (Adventist) Jr. Academy
Shiner ISD
Shoreline Christian School
Smithville ISD
St. Andrew’s Episcopal School
St. Austin’s School
St. Cyril & Methodius Catholic School
St. Francis School
St. Gabriel’s Catholic School
St. George’s Episcopal School
St. Helen Catholic School (Georgetown, TX)
St. Ignatius Martyr School
St. Louis School (Austin)
St. Mary’s Catholic School (Taylor)
St. Matthew’s Episcopal School
St. Michael’s Catholic Academy
St. Stephen’s Episcopal School (Austin)
St. Stephen’s Episcopal School (Wimberley)
St. Theresa’s School (Austin)
Star Charter School
Summit Christian Academy
Texas School For the Blind
Texas School For the Deaf
Thorndale ISD (Employees who work in Milam and Williamson Counties)
Thrall ISD
Trinity Episcopal School
Waelder ISD
Wimberley ISD
Zion Lutheran School

An employee of select businesses or organizations

A+ Education Foundation
A+FCU Board/Volunteer
A+FCU Employee
A+FCU Ex-Employee/Board/Volunteer
A+FCU Member’s Family
American Federation of State, County, and Municipal Employees (AFSCME) Local 1624
American Printing and Mailing
Americorp Members of Lifeworks (formerly Youth Options)
Association of Texas Professional Educators
Bastrop County Employees
Boys and Girls Clubs of Austin
Boy Scouts of America Capitol Area Council
Capital Area Easter Seals Rehabilitation Center
Chick-fil-A of Bastrop
Chick-fil-A of Lake Travis
Chick-fil-A of San Marcos
Chicken Express (Four Points)
Children's Advocacy Center Employees (Bastrop)
Circle C Child Development Center
City of Bee Cave
City of Georgetown
City of Hutto
City of Leander
Communities in Schools-Austin, Inc.
Community Impact
Corpus Christi Hooks
Corvalent
Educational Services of America - College Living Experience
Education Service Center, Region XIII
Extend-a-Care
FirstCare Health Plans
Gila Corporation
Girl Scouts of Central Texas
Greater Austin Hispanic Chamber of Commerce
Huntington Learning Center of Austin
JMC Auto Group
Katherine Anne Porter Charter School (Wimberley)
Lifeworks
Marbridge
Magellan International School
Magnolia Montessori School
Meridian School (Round Rock)
Metalink Corporation
MTech
The Musicians Woodshed
Parsons House Austin
PSW Homes
Real Learning Academy (Charter School)
Retired Pensioner or Annuitant from any employment in our FOM (field of membership)
RiverCity Sportswear
Rose Dental Group
Round Rock Express Baseball Club
Shalom Austin
Silicon Labs
Spohn and Associates
St. Mary’s Cathedral School (San Jacinto Blvd.)
Sunterra Landscape Services
Texas Association for Supervision and Curriculum Development
Texas Association of School Administrators
Texas Association of School Boards
Texas Association of School Business Officials (TASBO)
Texas Association of Secondary School Principals
Texas Classroom Teachers Association
Texas Congress of Parents and Teachers
Texas Federation of Teachers
Texas Retired Teachers Association
Texas School Services Foundation
Texas State Teachers Association
Travis County Adult Literacy Council
Urban Roots Employees
Williamson County
YMCA Austin

A member of select organizations

Black Star Co-op
Buda Lions Club

Join Online

The accounts below can be opened online.

Membership Savings (required for all new memberships)
Regular Savings
Cash-Back Checking
StartUP Certificate
Save to Win® Certificate
Promotional Certificates

What you’ll need to open a membership account:

Texas resident address
Government-issued ID
Social Security number
Valid email address
Debit or credit card

Need help? Check out our How To Join Online Video.

OPEN

Join in Person

Visit any branch location to open your new membership.

Business Accounts

Looking to open a business account? Contact our Business Services team.

PlusPoints Member Rewards

Our PlusPoints program provides you with valuable reward points. You can earn points by doing things you’re probably already doing.

Ways You Can Earn Points

Get 1 point for every $1 in interest paid on an A+FCU loan or A+FCU-maintained mortgage
Get 1 point for every $1 in dividends earned on share accounts
With Cash-Back Checking, earn 10 points for every signature-based transaction using your A+FCU debit card
With Cash-Back Checking, earn 5 points for every PIN-based transaction using your A+FCU debit card
Get 100 points for every year of membership
Get 100 points during your birthday month
Additional points may be awarded for special promotions and campaigns
Earn 100 points for every BalanceTrack module completed*

*Members can earn up to 300 PlusPoints per month by completing Balance Track modules. Maximum of 100 PlusPoints per BalanceTrack module regardless of number of attempts.

Ways You Can Redeem Points

Buy down the rate on a new A+FCU loan:

Use 2,500 PlusPoints to save 0.25%
Use 5,000 PlusPoints to save 0.50%
Maximum redemption value per eligible loan is 5,000 PlusPoints

For consumer direct and collateralized (non-mortgage) loans. Credit cards, Personal Loan, Signature Loan, Classroom Cash, Holiday Loans, Loyalty Line of Credit, Bridge Loans, HELOC, A+ Mortgage loans, student loans, Home Equity, and Home Improvement loans are excluded from redemption.

Buy down the origination fee on a new A+FCU mortgage:

Use 5,000 PlusPoints to save 0.25%
Use 10,000 PlusPoints to save 0.50%
Use 15,000 PlusPoints to save 0.75%
Use 20,000 PlusPoints to save 1.00%
Maximum redemption value per eligible loan is 20,000 PlusPoints

Mortgage Origination Fee reduction with PlusPoints offer expires 12.31.2022. Conventional loans only. Portfolio loans only, does not pertain to investor-sold loans.

Buy up the rate on a share certificate or IRA certificate:

Use 2,500 PlusPoints to increase dividend rate by 0.25%
Maximum redemption value per eligible certificate is 2,500 PlusPoints

APY=Annual Percentage Yield

Things To Know

Credited automatically by the tenth of each month or after each special promotion
Can be transferred to the A+FCU membership of any immediate family member living within the same household
Balances are available on monthly statements and can be viewed with your account details in A+ Online Banking or with the A+ Mobile app
Capped at 25,000 points per member

PlusPoints Member Rewards is subject to change without notice. To participate, members cannot have any delinquent loans in excess of 30 days past due and must have par value in the Membership account. Associations and businesses are not eligible.

Refer a Friend

We love when members refer their friends and family to A+FCU! Which is why we’ve improved our Refer A Friend program so members like you can now earn $50 each time you refer a new member who opens a Cash-Back Checking with a Membership Savings or Youth Membership Savings.

Plus, your friends and family can each get $25 when they’re approved to join and an extra $25 bonus when they set up direct deposit totaling $800 or more per month.

Refer. Earn. Repeat.

Referring is easy. And the more you refer, the more you earn – up to $500 every year!

Simply share your ReferCode so your friends and family can include it in the Promo Code/Refer A Friend section when they open their new account online – it’s a quick and easy process and available 24/7 from home or on the go.

Those you refer can also take advantage of this special offer by mentioning your ReferCode when they join over the phone or at a branch.

Ready To Refer?

If you’ve forgotten your unique ReferCode, log in to A+ Online Banking or the A+ Mobile App and look on the right-hand side for the ReferCode section. You can also call us at 512.302.6800 or stop in at one of our branch locations. We’re here to help!

Here’s What Members Are Saying About A+FCU

Review Testimonials

Want to learn more about the perks of membership? Click here for a list of Membership Discounts.

Cannot be combined with any other offer. Member is responsible for any taxes. Person must have US SSN/ITIN to receive promotion. Program subject to change without notice. A+FCU employees, volunteers, and their families are excluded from the program.

*Existing Member: Limit ten referrals per calendar year. $50 will be deposited to your Membership Savings or Youth Membership Savings account when your friend opens their Membership Savings or Youth Membership Savings account and Cash-Back Checking account with eStatements and a debit card. Any existing A+FCU loan cannot be delinquent more than 30 days.

†New Member: Membership Required. $25 will be deposited to your Membership Savings or Youth Membership Savings account at opening of a Membership Savings or Youth Membership Savings account and Cash-Back Checking account with eStatements and a debit card. Another $25 will be deposited into your Membership Savings account within a week of the date your payroll direct deposits total $800 or greater. Direct deposits must be $800 or greater, in aggregate, within 30 consecutive days. Payroll direct deposit(s) must be received to Cash-Back Checking account within 60 days of account opening. New accounts screened through ChexSystems. $10 minimum opening deposit required for Membership Savings or Youth Membership Savings account. $100 minimum balance required to earn dividends on Membership Savings account. $10 minimum balance required to earn dividends on Youth Membership Savings account. Annual Percentage Yield = 0.10% on Membership Savings or Youth Membership Savings account. Youth Membership Savings account for individuals under the age of 19. Declared Rate: 12.1.2022 through 12.31.2022 and subject to change without notice. Fees could reduce earnings. $5 New Membership fee for Membership Savings account. Promotional deposits will be deducted if account closed less than 180 days after opening the account. Not valid for existing members.

Refer A Friend – $10 StartUP (Youth Only)

Refer a friend to open a Youth Membership Savings and StartUP Share Certificate and you could both earn $10.

Referring is easy. Simply share your ReferCode with your friend for them to open their account online or at a branch.

Cannot be combined with any other offer. Existing Youth Member: $10 will be deposited to your Youth Membership Savings account when your friend opens their Youth Membership Savings account and StartUP Share Certificate. New Youth Member: Membership Required. Not valid for existing members. $10 will be deposited to your Youth Membership Savings account at opening of a Youth Membership Savings account and StartUP Share Certificate. $20 minimum opening balance required: $10 for Youth Membership Savings and $10 for StartUP Certificate. $10 will be deducted if account closed less than 180 days after opening the account. Limit one StartUP Certificate per member. Person must have SSN/ITIN to receive promotion. Program subject to change without notice. A+FCU employees, volunteers, and their families are excluded from the program.

Refer A Business

Refer another business to open a new Business Membership Savings and a Business Checking account and you could both earn $100.

Referring is easy. Simply share your unique business ReferCode for them to use when they open their Business Membership Savings and Business Checking account.

If you’ve forgotten your unique ReferCode, you can call us at 512.302.6800 or stop in at one of our branch locations.

Cannot be combined with any other offer. Existing Business Member: Limit five referrals per calendar year. $100 will be deposited to your Business Membership Savings account when the referred business opens their Business Membership Savings and Business Checking with a debit card. New Business Member: Membership Required. $100 will be deposited to your Business Membership Savings account at opening of a Business Membership Savings and Business Checking with a debit card. Not valid for existing business members. All checking accounts screened through ChexSystems. $100 will be deducted if account closed less than 180 days after opening the account. Business must be owned by US citizens, have US Tax Identification Number (EIN/SSN) and registered in Texas. Member is responsible for any taxes. Some restrictions on types of businesses apply. A+FCU employees, volunteers, and their families are excluded from the program.

Become a Select Employee Group

A Select Employee Group (SEG) is a business, non-profit, school, or organization that works with A+FCU to enhance their employee benefits program at no cost. Through this partnership, all employees and their families become eligible to join A+FCU. Benefits of membership go beyond basic products and services and include:

Participation in employers’ new hire orientations and employee benefit and wellness fairs
Financial education and guidance on a variety of topics
On-site account opening and assistance
Online account opening
Payroll deduction and direct deposit
Lower loan rates and higher account rates with PlusPoints loyalty program
Health Savings Accounts (HSAs) and Individual Retirement Accounts (IRAs)
Investment products and services
Homebuying assistance with HomeAdvantage program
Take advantage of member-only discounts

Becoming an A+FCU SEG is fairly simple and free. We currently serve over 300 SEGs which make up a large part of our membership, and we’re always open to new SEG relationships.

Want to learn about the perks of membership? Click here for a list of Membership Discounts.