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 | $1 | $500 | $52 | 0.05%3 |
| Health Savings Account | $10 | $100 | N/A | 0.30%3 |
1APY = Annual Percentage Yield. 2$5 fee if balance falls below $500. 3Rates effective 7.1.2025 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
| Minimum to Open | Minimum to Earn Dividends | Monthly Fee | APY1 | |
|---|---|---|---|---|
| Membership Savings | $10 | $0 | None | 0.10%2 |
1APY = Annual Percentage Yield. 2Rates effective 7.1.2025 and are subject to change without notice.
Membership required. Insured by NCUA. All checking accounts screened through ChexSystems. Fees could reduce earnings. Conditions and restrictions may apply. Subject to change without notice.
Tiered Money Market
| Balance to Earn Dividends | APY1 |
|---|---|
| $2,500 - $24,999.99 | 0.35%2 |
| $25,000 - $49,999.99 | 0.60%2 |
| $50,000 - $99,999.99 | 0.60%2 |
| $100,000 - $249,999.99 | 0.70%2 |
| $250,000 or more | 0.70%2 |
1APY = Annual Percentage Yield. 2 Rates effective 7.1.2025 and are subject to change without notice. Some tiers may earn the same APY. APY is subject to change based on balance tier. Dividends calculated by applying the highest rate based on the balance tier to the entire account balance.
Membership required. Insured by NCUA. $1 to open. Minimum to earn dividends is $2,500. No checks for the Tiered Money Market. No Fiduciary, Guardianship, Association, or Business accounts allowed to open a Tiered Money Market. All accounts screened through ChexSystems. Conditions and restrictions may apply. Subject to change without notice.
Certificate Rates
StartUP Share Certificate3
| Term | Minimum Balance | Maximum Balance | APY1 |
|---|---|---|---|
| 12 Months | $10 | $1,000 | 5.00%2 |
| Term | Minimum Balance | APY1 |
|---|---|---|
| 6 month | $1,000 | 3.76%2 |
| 12 month | $1,000 | 4.02%2 |
| 18 month | $1,000 | 3.97%2 |
| 24 month | $1,000 | 3.92%2 |
| 36 month | $1,000 | 3.76%2 |
| 48 month | $1,000 | 3.76%2 |
| 60 month | $1,000 | 3.76%2 |
| Minimum Balance | Maximum Balance | APY1 | |
|---|---|---|---|
| 19-Month New Money Advantage Share Certificate4 | $1,000 | $1,000,000 | 4.10%2 |
| 37-Month New Money Advantage Share Certificate4 | $1,000 | $1,000,000 | 3.90%2 |
New Money Advantage Certificates
1APY = Annual Percentage Yield. 2Rates effective 7.1.2025 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. 4Money 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
| 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 |
| Term | Minimum Balance | APY1 |
|---|---|---|
| 12 month | $1,000 | 4.02%2 |
| 18 month | $1,000 | 3.97%2 |
| 24 month | $1,000 | 3.92%2 |
| 36 month | $1,000 | 3.76%2 |
| 48 month | $1,000 | 3.76%2 |
| 60 month | $1,000 | 3.76%2 |
1APY = Annual Percentage Yield.
2Rates effective 7.1.2025 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
Auto Loans
| Term | APR1 | Estimated Payment | |
|---|---|---|---|
| Auto Purchase | 37-66 Month Term | As low as 5.49%2 | $17.59 per $1,000 per month for 66 months |
| Auto Refinance | 37-66 Month Term | As low as 5.24%3 | $17.47 per $1,000 per month for 66 months |
RV Loans
| Term | APR1 | Estimated Payment Terms | |
|---|---|---|---|
| RV Purchase | 85-120 months | As low as 7.24%4 | $11.73 per $1,000 per month for 120 months |
| RV Refinance | 85-120 months | As low as 7.24%4 | $11.73 per $1,000 per month for 120 months |
1APR = Annual Percentage Rate.
2As low as rate includes a 0.25% rate discount for automatic payments. Rates may increase if automatic payment is cancelled. As low as rate is for Loan to Value (LTV) less than or equal to 100.999%.
3As low as rate includes a 0.25% rate discount for automatic payments. Rates may increase if automatic payment is cancelled. Minimum loan amount of $5,000.
4As low as rate and payment based on Loan-To-Value (LTV) range between 95%-115.99%. Vehicle must have less than 100,000 miles. As low as rate includes 0.25% rate reduction for automatic payment from an A+FCU account or electronic funds transfer from another financial institution and 0.50% rate reduction for 5,000 PlusPoints. Rate may increase if automatic payment is cancelled.
Membership required. Excludes existing A+FCU loans. Associations and business accounts are not eligible. Additional terms available. Normal lending criteria apply. All loans subject to credit approval. Programs, rates, terms, and conditions are subject to change without notice. Rates are subject to credit score, loan-to-value matrix adjustments, mileage, term, and normal credit underwriting factors. Can use 5,000 PlusPoints to lower rate by 0.50% or 2,500 PlusPoints to lower rate by 0.25%. We are not currently doing loans for private party sales. Rates as of 7.3.2025 and subject to change without notice.
| Rate | APR1 | Estimated Payment | |
|---|---|---|---|
| 10-Year Fixed2 | As low as 5.875% | As low as 6.015% | $3,863.78 per month for 10 years |
| 15-Year Fixed2 | As low as 5.625% | As low as 5.721% | $2,883.06 per month for 15 years |
| 20-Year Fixed2 | As low as 5.990% | As low as 6.069% | $2,505.49 per month for 20 years |
| 30-Year Fixed2 | As low as 6.375% | As low as 6.437% | $2,183.54 per month for 30 years |
| 15-Year Jumbo Fixed3 | As low as 5.875% | As low as 5.938% | $6,797.40 per month for 15 years |
| 30-Year Jumbo Fixed3 | As low as 6.375% | As low as 6.415% | $5,065.82 per month for 30 years |
| 5/5 ARM2 | As low as 5.625% | As low as 6.290% | per month for initial fixed rate period (5 years)4 |
| 10/10 ARM2 | As low as 6.125% | As low as 6.482% | $2,126.64 per month for initial fixed rate period (10 years)4 |
| Rate | APR1 | Estimated Payment | |
|---|---|---|---|
| 10-Year Fixed Refinance2 | As low as 5.875% | As low as 6.015% | $3,863.78 per month for 10 years |
| 15-Year Fixed Refinance2 | As low as 5.625% | As low as 5.721% | $2,883.06 per month for 15 years |
| 20-Year Fixed Refinance2 | As low as 5.990% | As low as 6.069% | $2,505.49 per month for 20 years |
| 30-Year Fixed Refinance2 | As low as 6.375% | As low as 6.437% | $2,183.54 per month for 30 years |
| 15-Year Jumbo Fixed Refinance3 | As low as 5.875% | As low as 5.938% | $6,797.40 per month for 15 years |
| 30-Year Jumbo Fixed Refinance3 | As low as 6.375% | As low as 6.415% | $5,065.82 per month for 30 years |
| 5/5 ARM Refinance2 | As low as 5.625% | As low as 6.290% | $2,014.80 per month for initial fixed rate period (5 years) |
| 10/10 ARM Refinance2 | As low as 6.125% | As low as 6.482% | $2,126.64 per month for initial fixed rate period (10 years) |
| Rate | APR1 | Estimated Payment Terms | |
|---|---|---|---|
| 5-Year Home Equity5 | As low as 5.740% | As low as 6.142% | $1,729.09 per month for 5 years |
| 10-Year Home Equity5 | As low as 5.875% | As low as 6.089% | $993.54 per month for 10 years |
| 15-Year Home Equity5 | As low as 5.990% | As low as 6.142% | $758.98 per month for 15 years |
| 20-Year Home Equity5 | As low as 6.500% | As low as 6.624% | $671.02 per month for 20 years |
| 25-Year Home Equity5 | As low as 6.625% | As low as 6.722% | $614.73 per month for 25 years |
| 30-Year Home Equity5 | As low as 6.740% | As low as 6.827% | $583.14 per month for 30 years |
| Home Equity Line of Credit6 | As low as 6.990% |
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.
3As low as rates and payments are based on a $812,000 loan amount with a 70% LTV, and credit score >=760. Payment examples do not include taxes and insurance premiums; actual payment may be greater. Minimum loan amount of $806,500.
4ARM interest rates and payments are subject to increase after initial fixed-rate period (5 years for a 5/5 ARM, 10 years for a 10/10 ARM). ARM rate adjustments are determined by an index and margin, the index of which is variable and therefore unknown for future payments.
5Estimated payment terms calculated using a $90,000 loan at the term listed and for the APR listed. Taxes and insurance for escrow payment are included; your actual payment obligation may be different. Rates and terms are for illustrative purposes only and are subject to change without notice. $495 processing fee for loans less than $40,000. $795 processing fee for loans $40,000 and above. Under Texas law, the combined loan-to-value (CLTV) cannot exceed 80% of your home’s value.
6Maximum loan amount of $250,000. HELOCs are a variable rate product. Read CFPB HELOC Guide. Rate listed is for a 5-year draw period and 15-year repayment period. Additional terms available. $495 processing fee for loans less than $40,000. $795 processing fee for loans $40,000 and above.
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. Payments do not include amounts for taxes and insurance premiums. Actual payment obligation may be greater. Additional terms available. NMLS #405608. Rates as of 7.3.2025.
Personal Loan Rates
A+ Personal Loan
| Terms | APR1 | Estimated Payment Terms | |
|---|---|---|---|
| A+ Personal Loan | 6-36 months | As low as 9.49%2 | $32.03 per $1,000 per month for 36 months |
| Terms | APR1 | |
|---|---|---|
| A+ Preferred Line of Credit | Revolving line of credit | As low as 10.24%3 |
1APR=Annual Percentage Rate.
29.49% APR is for up to 36 months and includes 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. $32.03 per $1,000 per month for 36 months. Terms from 6-84 months. Maximum 18.00% APR.
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 7.3.2025, the variable A+ Preferred Line of Credit APR ranges from 10.24% to 17.75% APR and the margin varies based on creditworthiness. Excellent credit is required to qualify for the lowest rates. Cannot use PlusPoints to lower rate.
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 $1,500 for A+ Personal Loan and A+ Preferred Line of Credit. Rates as of 7.3.2025.
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