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Checking Accounts

Compare Your Options
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%
OPEN
APY=Annual Percentage Yield. Routing #314977104. Rates subject to change without notice. Fees could reduce earnings. See Fee Schedule. All checking accounts screened through ChexSystems. Conditions and restrictions may apply. Subject to change without notice. Membership required. Federally insured by NCUA. Declared rate: 5.1.17 through 5.31.17.

 

Cash-Back Checking
A checking account your savings will love.

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.

  • $0 to open
  • No monthly fee
  • Earn 10¢ and 10 PlusPoints for signature-based purchases with your A+FCU debit card or linked Mobile Wallet
  • Earn 5¢ and 5 PlusPoints for PIN-based purchases with your A+FCU debit card
  • Cash back deposited monthly into your Membership Savings account
  • Instant issue Visa® EMV Chip Debit Card
  • Online and mobile banking
  • Mobile check deposit with A+ Mobile app
  • Surcharge-free ATMs (at select ATMs)
OPEN
Routing #314977104. eStatements and debit card required. All checking accounts screened through ChexSystems. Conditions and restrictions may apply. Subject to change without notice. Membership required. Federally insured by NCUA.

A+ Checking
A checking account that pays you dividends every month.

This account offers the convenience of a checking account with the benefit of getting monthly dividends based on your daily balance.

  • $0 to open
  • $500 minimum balance needed to earn dividends and avoid monthly fee
  • Instant issue Visa® EMV Chip Debit Card
  • Dividends compounded and paid monthly
  • Earn PlusPoints on dividends
  • Online and mobile banking
  • Mobile check deposit with A+ Mobile app
  • Surcharge-free ATMs (at select ATMs)
OPEN
Routing #314977104. $500 minimum balance required to earn dividends. $5 service fee if balance falls below $500. Fees could reduce earnings. See Fee Schedule. All checking accounts screened through ChexSystems. Conditions and restrictions may apply. Subject to change without notice. Membership required. Federally insured by NCUA.

Money Market
When you invest in you, we invest in you.

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.

  • $2,000 to open
  • No monthly fee
  • Dividends compounded and paid monthly
  • Earn PlusPoints on dividends
  • Unlimited in-person withdrawals
  • Up to 6 electronic or check transactions per month
  • Mobile check deposit with A+ Mobile app
OPEN
Routing #314977104. $2,000 minimum balance required to earn dividends. All checking accounts screened through ChexSystems. Fees could reduce earnings. See Fee Schedule. Conditions and restrictions may apply. Subject to change without notice. Membership required. Federally insured by NCUA.

 

 

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Savings

Compare Your Options
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%***
OPEN
APY=Annual Percentage Yield. Routing #314977104. *Includes $10 opening deposit and a $5 new membership fee. Rates subject to change. Fees could reduce earnings. See Fee Schedule. Conditions and restrictions may apply. Subject to change without notice. Membership required. Federally insured by NCUA. **Declared rate: 5.1.17 through 5.31.17. ***Effective date: 5.24.17 through 5.30.17.

 

Membership Savings
A great place to start.

This savings account is used to establish your membership with A+FCU. Use it to save for your goals or for a rainy day.

  • Open with as little as $15*
  • No monthly fee
  • $10 minimum balance required
  • $100 balance required to earn dividends
OPEN
Routing #314977104. *Includes $10 opening deposit and a $5 new membership fee. Dividends compounded and paid monthly. Conditions and restrictions may apply. Subject to change without notice. Membership required. Federally insured by NCUA.

Premier Savings
Bigger savings deserve bigger rewards.

Have at least $25,000 saved and looking to earn more? With Premier Savings, your higher balance means higher monthly dividends.

  • $25,000 minimum deposit to open and to earn dividends
  • $20 monthly fee if balance falls below $25,000
  • Three free withdrawals or transfers per month
OPEN
Routing #314977104. $10 fee per withdrawal over three per calendar month. Fees may reduce earnings. See fee schedule. Conditions and restrictions may apply. Subject to change without notice. Membership required. Federally insured by NCUA.

Platinum Savings
Save more, earn more.

This high balance account offers easy access to your funds while earning higher monthly dividends.

  • $100,000 minimum deposit to open and to earn dividends
  • No monthly fee
  • Three free withdrawals or transfers per month
OPEN
Routing #314977104. $25 fee per withdrawal over three per calendar month. Fees may reduce earnings. See fee schedule. Conditions and restrictions may apply. Subject to change without notice. Membership required. Federally insured by NCUA.
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Youth Accounts

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.

Youth Membership Savings

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%
OPEN
APY=Annual Percentage Yield. Routing #314977104. Rates subject to change. Conditions and restrictions may apply. Subject to change without notice. Membership required. Federally insured by NCUA. Declared rate: 5.1.17 through 5.31.17.

Cash-Back Checking

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
  • $0 to open
  • No monthly fee
  • Earn 10¢ and 10 PlusPoints for signature-based purchases with your A+FCU debit card or linked Mobile Wallet
  • Earn 5¢ and 5 PlusPoints for PIN-based purchases with your A+FCU debit card
  • Cash back deposited monthly into your Youth Membership Savings account
  • Instant issue Visa® EMV Chip Debit Card
  • Online and mobile banking
  • Mobile check deposit with A+ Mobile app
  • Surcharge-free ATMs (at select ATMs)
OPEN
Routing #314977104. eStatements and debit card required. All checking accounts screened through ChexSystems. Conditions and restrictions may apply. Subject to change without notice. Membership required. Federally insured by NCUA.

Support Your School and School District

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
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
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Share Certificates

High dividend, low commitment saving.

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

 

StartUP Share Certificate

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%


OPEN

APY=Annual Percentage Yield. Routing #314977104. 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: 5.24.17 through 5.30.17.

 


Share Certificates

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 0.25%
12 month $1,000 0.60%
24 month $1,000 0.80%
36 month $500 1.00%
48 month $500 1.36%
60 month $500 1.61%

OPEN

APY=Annual Percentage Yield. Routing #314977104. A penalty may be imposed for early withdrawals. Accounts insured up to $500,000: Federally insured up to $250,000 by NCUA and $250,000 Excess Share Insurance from ESI, an independent insurance company. Conditions and restrictions may apply. Subject to change without notice. Membership required. Effective Dates: 5.24.17 through 5.30.17.

 


Plus Advantage Certificates

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 0.50%
24 month $1,000 0.70%
36 month $1,000 0.90%
48 month $1,000 1.26%
60 month $1,000 1.51%
OPEN
APY=Annual Percentage Yield. Routing #314977104. A penalty may be imposed for early withdrawals. Accounts insured up to $500,000: Federally insured up to $250,000 by NCUA and $250,000 Excess Share Insurance from ESI, an independent insurance company. To increase the rate during the term of Plus Advantage Certificates using PlusPoints, PlusPoints must again be available at each rate change. Conditions and restrictions may apply. Subject to change without notice. Membership required. Effective Dates: 5.24.17 through 5.30.17.

 

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A+ Online Banking

Financial tools that assist you on your financial journey.

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.

  • Check balances and transactions
  • Transfer money, including member-to-member
  • Make loan payments
  • Block your debit card
  • Pay bills
  • Apply for a loan
  • Open additional accounts
  • View eStatements and check images
  • Update your contact information

Questions? Read our A+ Online Banking FAQs.

FIRST-TIME USER 

Update Your Browser

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

 

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Mobile

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.

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.

  • Check balances and transactions
  • Transfer money
  • Apply for loans
  • Pay bills
  • Make check deposits
  • TouchID authentication available on select devices

Just download the app from your device app store to get started.

LEARN MORE
Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.

Mobile Check Deposit
Deposit your check. Anytime. Anywhere.

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 MORE
Daily deposit limits apply. Funds may not be immediately available. Must meet minimum qualifications.

A+ Card Guard App
Rest easy with Card Guard.

Add 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:

  • Specific transaction amounts
  • Declined transactions
  • ATM withdrawals
  • Gas station transactions*
  • “Card not present” transactions
  • International transactions

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.

LEARN MORE
Connectivity and usage rates may apply. Contact your wireless service provider for more details. *Authorization amounts can be between $1.00 and $151.00. This may not be the actual amount of the purchase. Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.

Mobile Wallet
Fast, secure, and convenient.

Connect your A+FCU debit card to your smartphone, tablet, or smartwatch to make purchases with your device.

LEARN MORE
Visa® Checkout
Simplify online purchases.

Love 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.

  • Simple: Add your A+FCU debit or credit card to enroll. Then pay for online purchases with Visa Checkout – it’s that easy!
  • Fast: Skip typing in your card and shipping info every time. Just use your Visa Checkout login to pay wherever you see the Visa Checkout logo.
  • Secure: Shop worry-free knowing your information is protected behind multiple layers of security.
ENROLL NOW

 

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Bill Pay

We can take some of the hassle out of paying bills.

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.

  • Pay bills with your Apple or Android device
  • Text message and email reminders
  • Option for expedited payments
  • Payments to individuals with an email address*
  • Extended support hours: Monday – Friday, 6:30 am – 1:00 am
  • Live online chat with Bill Pay service provider
  • View Member Demo

To enroll in Bill Pay, log in to A+ Online Banking > Transactions > Bill Pay.

LEARN MORE
Bill Pay is free when actively used. An inactivity fee of $7.50 is assessed if no payments are processed during a calendar month. Connectivity and usage rates may apply. Contact your wireless service provider for more details. *Payments to individuals are available for a nominal fee.
myfinance

myFinance

It’s easier to manage your budget when it’s right in front of you.

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:

  • Account aggregation
  • Goal tracking
  • Expense tracking and categorization
  • Debt management

To get started, log in to A+ Online Banking > Services > myFinance.

LEARN MORE
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Personal Credit

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.

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Credit Cards

We’ve got the right Visa® or American Express® card designed for your life.

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
College Rewards Visa Card Great to build credit history**
Earn 1 point for every $1 spent
Secured Visa Card Great to start or rebuild credit history**

APPLY

The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., Mastercard International Incorporated, and American Express. American Express is a federally registered service mark of American Express. *Reward points can be redeemed as a cash deposit to a checking or savings account or as a statement credit to your credit card account. First purchase bonus points will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. **Late payments and going over the credit limit may damage your credit history.
Programs, rates, terms, and conditions are subject to change without notice. All loans subject to credit approval. Membership required.
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Personal Loans

Money as you need it, when you need it.

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%
APPLY
APR=Annual Percentage Rate. Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. Membership required. Rates as of 5.22.17.
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Auto Loans

Think A+ first when buying your next vehicle.

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.

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
APPLY
APR=Annual Percentage Rate. Rate shown is for Loan-To-Value (LTV) less than 90% and 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. Add 1.00% to the above rates when Truck is 1.5 tons or more, or if vehicle has greater than 100,000 miles. Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. Membership required. Rates as of 5.22.17.

Refinance and Save

Bring your auto loan to A+FCU and get:

  • A rate that’s lower by 1.00% APR or more
  • No payments for 90 days
  • No fees

Apply using the code BEATRATE and see how much you can save.

APPLY
APR=Annual Percentage Rate. Interest accrues from date of loan disbursement. Autos only – no recreational vehicles. Minimum loan amount of $10,000. Automatic loan payment required from A+FCU account. Lowest rate available is 1.99% APR with automatic payments. Normal lending criteria apply. Programs, rates, terms, and conditions are subject to change without notice. Cannot use PlusPoints with this offer. Membership required.

 

Insurance and Protection

After buying a new or used vehicle, let A+FCU guide you to the right products designed to protect your investment.

Mechanical Breakdown Protection

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.

  • Nationwide protection
  • 24-hour roadside assistance
  • Rental vehicle assistance
  • Transferable coverage
  • Available on A+FCU loans
INSTANT QUOTE
Guaranteed Asset Protection

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.

  • Can be included in the amount of the vehicle loan
  • Covers primary insurance deductible
  • Available on a variety of vehicles including motorcycles, boats, RVs
  • Available on A+FCU loans
INSTANT QUOTE
Payment Protection

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.

  • Helps pay loan until you’re fully recovered
  • May pay off entire loan in the event of death
  • Available on A+FCU loans

Talk with your A+FCU lending representative about adding payment protection to your loan.

TruStage™ Auto Insurance

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
*Average annual savings based on countrywide survey of new customers from 1.27.14 to 1.16.15 who reported their prior insurers’ premiums when they switched to Liberty Mutual’s group auto and home program. Savings do not apply in MA.
TruStage™ Auto Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.
Other-Vehicles

Motorcycles, Boats, and RVs

We have great rates to fund your fun.

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
APPLY
APR=Annual Percentage Rate. Rate shown is for Loan-To-Value (LTV) less than 90% and 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. Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. Membership required. Rates as of 5.22.17.
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Purchase & Refinance

Get settled in with a low, locked-in rate.

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 3.375% As low as 3.700%
Refinance Low, locked-in rates
Multiple loan options
As low as 3.375% As low as 3.700%
APPLY
APR=Annual Percentage 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 listed are for 15 year loans. $7.25 per $1,000 per month for 15 years. Payments for first lien do not include taxes and insurance premiums. Additional terms available. NMLS #405608. Rates as of 5.22.17. 

 

Traditional Fixed-Rate Mortgage

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.

  • Down payment as low as 3%
  • No prepayment penalty
  • Primary residence and second or vacation home
  • Use PlusPoints to save up to 0.50% on mortgage origination fees
  • Receive a rebate when using HomeAdvantage
  • Take advantage of exclusive savings with TruStage™ Home Insurance
APPLY
APR=Annual Percentage Rate. Membership required. Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. NMLS #405608.

Refinance Your Mortgage

Three ways refinancing your mortgage could save you money:

  1. Lower your monthly mortgage payments
  2. Get cash out to consolidate higher interest rate debt
  3. Pay off your mortgage faster

Now is the right time to refinance. With A+FCU, you can get:

  • A rate that’s lower by 0.50% APR or more*
  • No closing fees
  • Cash out of the equity

Apply using the code MTGREF17 and see how much you can save.

APPLY
APR=Annual Percentage Rate. Membership required. Excludes existing A+FCU loans. Associations and business accounts are not eligible. Conventional portfolio mortgage loans only. Minimum loan amount of $25,000. No fees on loans of $150,000 or more. $500 origination fee if loan is less than $150,000. Normal lending criteria apply. Program, rates, terms, and conditions are subject to change without notice. Cash out limited to Combined Loan-to-Value (CLTV) below 80% or less and no previous cash out in the last 12 months. Cannot use PlusPoints or any other discount with this offer. *Lowest rate available is 3.00% APR on first lien of 15 years or less. $6.91 per month per $1,000 borrowed for 15 years. Lowest rate available is 3.75% APR on first lien of 15 years or greater. $4.63 per month per $1,000 borrowed for 30 years. NMLS #405608. 
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Special Mortgage Programs

Get your dream home with a specially-designed home loan.

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

 

First-Time Homebuyer

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 2.875% As low as 3.123%
APPLY
APR=Annual Percentage 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 listed are for 15 year loans and includes the 0.25% rate deduction. $6.97 per $1,000 per month for 15 years. Payments for first lien do not include taxes and insurance premiums. Additional terms available. Automatic payment required. Valid only for purchase or refinance of owner-occupied primary residence. Not eligible with our combination loans. NMLS #405608. Rates as of 5.22.17. 

Educator Mortgage Loan Program

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 2.875% As low as 3.123%
APPLY
APR=Annual Percentage Rate. Membership required. Must be a certified educator to qualify. Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. Rates listed are for 15 year loans and includes the 0.25% rate deduction. $6.97 per $1,000 per month for 15 years. Payments for first lien do not include taxes and insurance premiums. Additional terms available. Automatic payment required. Valid only for purchase or refinance of owner-occupied primary residence. Not eligible with our combination loans. NMLS #405608. Rates as of 5.22.17. 

Federal Housing Authority (FHA) Loan

Depending on your situation, the Federal Housing Authority loan may be a good option.

  • Flexible qualification
  • Low 3.5% down payment
  • No prepayment penalty
  • Minimum 620 credit score
  • Primary residences only
  • Receive a rebate when using HomeAdvantage
  • Take advantage of exclusive savings with TruStage™ Home Insurance
APPLY
Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. Membership required. NMLS #405608. 

Veterans Administration (VA) Loan

The Veterans Administration loan offers 100% financing for qualified active or retired veterans of the Armed Forces, including Reservists.

  • No down payment required
  • Flexible qualification
  • VA Funding Fee financed into loan
  • Sellers can contribute up to 4% of buyer’s closing costs
  • Minimum credit score 620
  • Primary residence only
  • Receive a rebate when using HomeAdvantage
  • Take advantage of exclusive savings with TruStage™ Home Insurance
APPLY
Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. Membership required. NMLS #405608.
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Home Equity

The value of your home can help you with other things you value.

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 3.375% As low as 3.395%
Home Equity Line of Credit (HELOC) Access funds easily
Affordable payments
As low as 5.000%
APR=Annual Percentage Rate. Membership required. LTV=Loan-to-Value. HELOCs are a variable rate product. Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. Home Equity Loan rates listed are for 15 year loans. $7.10 per $1,000 per month for 15 years. Additional terms available. NMLS #405608. Rates as of 5.22.17.

 

Home Equity Loan
  • Borrow up to 80% of the LTV, less any liens
  • Low closing costs
  • Minimum loan amount $25,000
  • Low fixed rate for the life of the loan
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Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. Membership required. NMLS #405608.

Home Equity Line of Credit (HELOC)
  • Borrow up to 80% of the LTV, less any liens
  • Revolving line of credit – access funds when you need it
  • Low, variable interest rates
  • Minimum loan amount of $25,000 with a $4,000 minimum draw each time
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Read CFPB HELOC Disclosure document. Review HELOC FAQs. Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. Membership required. NMLS #405608.
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Home Improvement

Make your home more livable and more lovable.

Home improvement loans give you the resources you need to make a house a home.

Rate APR
Home Improvement Loan As low as 3.375% As low as 3.395%
  • Borrow up to 95% of the LTV, less any liens
  • Minimal closing costs
  • Minimum loan amount is $25,000
  • Potential tax-deductibility, consult your tax advisor
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APR=Annual Percentage Rate. 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 listed are for 15 year loans. $7.10 per $1,000 per month for 15 years. Payments for first lien do not include taxes and insurance premiums. Additional terms available. NMLS #405608. Rates as of 5.22.17. 
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A+ Wealth Management

Put your money to work.

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:

  • Will I be able to afford to retire?
  • What is my risk tolerance?
  • What’s the best way to save for my child’s education?
  • What are the best investment options for me?
  • How do I protect my assets?

Financial advisors are available by appointment at any branch. Call 512.302.6863 for assistance.

GET STARTED

Securities offered through SWBC Investment Services, LLC, a registered broker/dealer. Member SIPC & FINRA. Advisory services offered through SWBC Investment Company, a Registered Investment Advisor. SWBC Investment Services, LLC & SWBC Investment Company are not affiliated with this institution. Securities are:
  • Not NCUA/NCUSIF Insured
  • Not ESI insured
  • Not Guaranteed by the Credit Union
  • Not a Deposit
  • Not insured by any Federal Government Agency
  • May Lose Value
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IRAs

Accounts designed to save for your retirement.

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
LEARN MORE

 

StartUP IRA

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%
VISIT
APY=Annual Percentage Yield. Rates subject to change without notice. IRAs are insured separately from other accounts up to $500,000: Federally insured up to $250,000 by NCUA and $250,000 Excess Share Insurance from ESI, an independent insurance company. Conditions and restrictions may apply. Subject to change without notice. Membership required. Effective dates: 5.24.17 through 5.30.17.

 

IRA Savings

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%

VISIT

APY=Annual Percentage Yield. Rates subject to change without notice. IRAs are insured separately from other accounts up to $500,000: Federally insured up to $250,000 by NCUA and $250,000 Excess Share Insurance from ESI, an independent insurance company. Conditions and restrictions may apply. Subject to change without notice. Membership required. Declared rate from 5.1.17 through 5.31.17.


IRA Certificates

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 0.60%
24 month $1,000 0.80%
36 month $500 1.00%
48 month $500 1.36%
60 month $500 1.61%
VISIT
APY=Annual Percentage Yield. Routing #314977104. A penalty may be imposed for early withdrawals. Accounts insured up to $500,000: Federally insured up to $250,000 by NCUA and $250,000 Excess Share Insurance from ESI, an independent insurance company. Conditions and restrictions may apply. Subject to change without notice. Membership required. Effective Dates: 5.24.17 through 5.30.17.

IRA Plus Advantage Certificates

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 0.50%
24 month $1,000 0.70%
36 month $1,000 0.90%
48 month $1,000 1.26%
60 month $1,000 1.51%
VISIT
APY=Annual Percentage Yield. Routing #314977104. A penalty may be imposed for early withdrawals. To increase the rate during the term using PlusPoints, PlusPoints must be available at each rate change. IRAs are insured separately from other accounts up to $500,000: Federally insured up to $250,000 by NCUA and $250,000 Excess Share Insurance from ESI, an independent insurance company. Conditions and restrictions may apply. Subject to change without notice. Membership required. Effective dates: 5.24.17 through 5.30.17.
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HSAs

We can help with more than just your financial health.

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%
VISIT
APY=Annual Percentage Yield. Routing #314977104. Rates subject to change. Visit the IRS website for eligibility guidelines or the U.S. Treasury website to get more information about HSAs. Conditions and restrictions may apply. Subject to change without notice. Membership required. Federally insured by NCUA. Declared rate from 5.1.17 through 5.31.17.
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Business Checking

Our business is helping you with yours.

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%


$25,000 and up = 0.40%

CONTACT US
APY=Annual Percentage Yield. Routing #314977104. Rates subject to change without notice. Fees could reduce the earnings. See fee schedule. Conditions and restrictions may apply. Subject to change without notice. Membership required. Federally insured by NCUA. Declared Rate: 5.24.17.
All Business Checking Accounts Include:
  • Online and mobile banking
  • eStatements and eAlerts
  • Access to surcharge-free ATMs
  • Free teller transactions at all branches
  • Bill Pay available*
*See fee schedule for details.
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Business Savings

Save money to grow your business.

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%**
CONTACT US
APY=Annual Percentage Yield. Routing #314977104. Rates subject to change without notice. Fees could reduce the earnings on the account. See fee schedule. Conditions and restrictions may apply. Subject to change without notice. Membership required. Federally insured by NCUA. *Declared Rate: 5.24.17. **Effective Dates: 5.24.17 through 5.30.17.

 

Business Membership Savings

This savings account establishes your Business Membership with us.

  • $10 to open
  • No monthly fees
  • Earn dividends on balances of $100 or more
  • Unlimited in-person withdrawals/transfers without penalty or fee
  • Account may be used for overdraft protection on your linked A+ Business Checking account
  • Funds may be used as collateral for a loan
Routing #314977104. Conditions and restrictions may apply. Subject to change without notice. Loans subject to credit approval. Membership required. Federally insured by NCUA.

Business Premier Savings

With the Premier Savings, your business savings earns a higher dividend rate and helps you reach your business goals faster.

  • $25,000 minimum deposit to open and to earn dividends
  • $20 monthly fee if balance falls below $25,000
  • Three free withdrawals or transfers per month
Routing #314977104. $10 fee per withdrawal over three per calendar month. Fees may reduce earnings. See fee schedule. Conditions and restrictions may apply. Subject to change without notice. Membership required. Federally insured by NCUA.

Business Platinum Savings

This high balance account offers easy access to your funds while earning higher monthly dividends.

  • $100,000 minimum deposit to open and to earn dividends
  • No monthly fee
  • Three free withdrawals or transfers per month
Routing #314977104. $25 fee per withdrawal over three per calendar month. Fees may reduce earnings. See fee schedule. Conditions and restrictions may apply. Subject to change without notice. Membership required. Federally insured by NCUA.
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Business Loans

Loans to help businesses achieve goals.

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.

CONTACT US

 

Commercial Real Estate

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:

  • Office buildings and condos
  • Industrial buildings and warehouses
  • Hotels
  • Single-family residence and multi-family apartments
CONTACT US
Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. Membership required.

Secured and Unsecured Business Loans

Secured Loans

  • Secured by company assets – including vehicles, equipment, inventory, accounts receivable, shares, and share certificates
  • Can be for purchase, refinance, or collateralize for working capital

Unsecured Loans

  • Loan amount can be up to $100,000 based on approved credit
  • Variable terms
CONTACT US
Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. Membership required.

Business Line of Credit

A business line of credit is a great option if you need money quickly for unanticipated expenses as well as seasonal expenses.

  • Application with approval as quickly as 48 hours
  • Require short-term financing
  • Have seasonal financing needs
  • Allows your business to maintain even cash flow
  • Quick access to funds
CONTACT US
Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. Membership required.

SBA Loans

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.

There are two types of SBA 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:

  • Eligibility
  • Use of loan proceeds
  • Loan amounts, interest rates, and fees
  • Loan application checklist
  • Special types of 7(a) loans

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:

  • Eligibility
  • Use of loan proceeds
  • Loan amounts, interest rates, and fees
  • Loan application process
  • Local Certified Development Companies
  • Final Rule and CDC/504 Guides
CONTACT US
Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. Membership required.
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Business Credit Cards

Credit is essential for business expenses. Get rewarded for using it wisely.

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
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Reward points can be redeemed as a cash deposit to a checking or savings account or as a statement credit to your credit card account. First purchase bonus points will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances.
The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., MasterCard International Incorporated, and American Express.
Programs, rates, terms, and conditions are subject to change without notice. All loans subject to credit approval. Membership required.

 

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Business Services

Services that keep your business running.

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.

 

Health Savings Accounts

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%


VISIT

APY=Annual Percentage Yield. Rates subject to change. Visit the IRS website for eligibility guidelines or the U.S. Treasury website to get more information about HSAs. Conditions and restrictions may apply. Subject to change without notice. Membership required. Federally insured by NCUA. Declared rate from 5.1.17 through 5.31.17.

Business Bill Pay

Conveniently and securely pay bills, delegate payment tasks and set permissions, set up final approvals, and get on-demand customized reporting.

  • Use A+ Online Banking and the A+ Mobile app to pay bills and view payment activity
  • Set permission controls on who can make payments, types of payments, and maximum amount
  • Customized audit reports
  • View payment activity of authorized users and keep track of their payments
  • Only you and authorized users can access your account information, numbers, and payments
  • Real time access to your payments activity
  • View Business Demo

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 STARTED
Membership required. A+ Business checking account required. Business Bill Pay is $8.95 per month (15 free transactions). There is a $0.45 per transaction fee (over 15). See fee schedule.

Cash Management

A+FCU Cash Management helps simplify your most common transactions, and it’s customizable.

  • Electronic Payments and Collections
  • Payroll
  • Accounts Payable
  • Multiple User Access
  • Wire Transfers
  • Tax Payments
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Merchant Services

Our trusted partner, TSYS, gives your business the ability to accept credit cards, including Visa®, MasterCard®, American Express®, Discover®, JCB®, and Diners Carte Blanche®.

  • No long-term contract
  • Competitive rates
  • Complete payment processing solution
  • 24/7 Help Desk
  • Next day settlement
  • Amex card acceptance same pricing as Visa/Mastercard
GET STARTED
Membership required. A+ Business checking account required.

 


HR Services

Our partners at CU People offer a full array of employee benefits solutions.

  • Payroll Administration
  • Benefits Management
  • Safety/Risk Management
  • HR/Compliance Administration

Click the button to get started or call their team of HR professionals at 281.243.6400.

GET STARTED
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All A+FCU branches will be closed in observance of Memorial Day, Monday, May 29.