Female teacher points to a student raising their hand.

Join A+FCU & Get More Benefits

Experience the A+ difference. As an employee of one of our partners, we invite you to take advantage of this exclusive joining offer.* Use Promo Code 2023SEG100 when you open your account.

$100 Special Joining Offer

Join With a Special Offer

Open a free Cash-Back Checking Account and we’ll reward you with $25! Earn an additional $75 with your first payroll direct deposit(s) totaling $800 or greater.*

Join the thousands of members earning unlimited cash back on every purchase no matter how big or small.

Ready to open your account? Click the button below to begin the process – remember to use your promo code and select your employer to ensure eligibility.

Use promo code 2023SEG100 when you open your account online or in person.

A woman using an A+ Federal Credit Union Visa Debt Card

Every Cash-Back Checking Account Includes:

A woman sitting on a couch and smiling down at a cell phone.

Get Paid Up To Two Days Early

With your direct deposit at A+FCU, enjoy benefits such as an early payday, special product offers, and more. And with this special offer, you’ll also receive an additional $75 to your Membership Savings Account.*

When you work hard for your members, people notice.

  • MemberXP 2022 Best Member Experience Award
  • Austin American-Statesman Best of the Best Awards
  • Austin Young Chamber FAVE Way to Keep Austin Healthy Winner 2021
  • 2021 RecognizeGood Ethics in Business Award
  • MemberXP 2022 Best Loan Experience Award
Three mobile phones show screens of the A+ Mobile App.

Save A Trip To The Branch

The financial tools you need to access your accounts are just one tap away with the A+ Mobile App.

What Our Members Have To Say

5 Star Rating

Great member service, friendly staff. Would highly recommend A+ to anyone who would like to join.

– Jacqueline H.
5 Star Rating

After 5+ years of banking with A+FCU, I have had nothing but an overwhelming positive experience. Definitely a good credit union for day-to-day use.

– Douglas F.
5 Star Rating

I think the Cash-Back Checking and ATM Debit Card Programs are great incentives for members by rewarding us based on our use of the program and $ spent.

– Jacqueline N.

How To Join Online

Download Transcript

StartUP Share Certificate

Start earning more from the money you save with a StartUP Certificate. Open your certificate today for as little as $10 and enjoy a competitive 5.00% APY return and the ability to add funds at any time, up to $1,000.

Save to Win®

Save to Win is a prize-linked share certificate giving you the chance to enter to win monthly cash prizes. Every $25 increase in month-over-month balance earns one entry into the monthly and quarterly prize drawings.ǂ

Insured by NCUA. Membership required. Conditions and restrictions apply. New accounts screened through ChexSystems.

*Must open a Membership Savings and a Cash-Back Checking Account with a debit card, direct deposit, and eStatements. $25 will be deposited into your Membership Savings Account upon account opening. Another $75 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. $100 minimum balance required to earn dividends on Membership Savings Account. Annual Percentage Yield = 0.10% on Membership Savings account. Declared rate: 5.1.2023 through 5.31.2023 and subject to change without notice. Fees could reduce earnings. Earn 5¢ cash back on PIN-based debit card purchases and 10¢ cash back on signature-based debit card purchases. Cash back deposited monthly to Membership Savings Account. Promotional deposit(s) will be deducted if account closed less than 180 days after opening the account. Member is responsible for any taxes. Person must have US SSN/ITIN to receive promotion. Program subject to change without notice. Cannot be combined with any other offer. A+FCU employees, volunteers, and their families are excluded from the program. Not valid for existing or previous members. One per household. Must present coupon and/or promo code at time of account opening and be an employee of a participating organization. Expires 12.31.2023.

APY=Annual Percentage Yield. Dividends calculated on daily balance, paid monthly, and automatically transferred to Membership Savings Account. Maximum balance=$1,000. Penalty may be imposed for early withdrawals. Limit one StartUP Share Certificate per member. Conditions and restrictions may apply. Subject to change without notice. Membership required. Federally insured by NCUA. Effective dates: 5.23.2023 (6pm) through 5.30.2023 (5:59pm).

Limit one Save to Win Share Certificate per member. The Raffle is open to all natural persons who, at the time of entry (a) are Credit Union members, (b) are at least 18 years of age, (c) are residents of a state in which the principal place of business of one or more participating credit unions is located, and (d) who maintain a traditional share account (the account which qualifies the individual for membership) in good standing with the Credit Union (“Eligible Members”). PlusPoints cannot be used with a Save to Win Certificate. Conditions and restrictions may apply. Subject to change without notice. Click here to view official rules.

Banking on each other.
Building stronger communities.®