Join

A+ Federal Credit Union

  • Image of mobile phone with the A+ Mobile App showing cash back earned. A+ debit card is in front of the phone.

    Over $25 million earned in cash back!*

    Join the cash-back movement by using your A+FCU debit card for everyday purchases.

    Here's How
  • Family of four in the backyard while the dad helps the younger son ride a bike. Mom and sister clap in the back.

    Enjoy our limited-time mortgage offer.

    Close on your new home by September 30 to get a $500 lender credit!*

    Get Details
  • Man and woman sit at kitchen table with laptop and mobile phone.

    A+ Personal Loan rates as low as 9.49% APR.*

    Big summer plans? Apply for a personal loan today, get funds by tomorrow.†

    Apply Online

Today’s Featured Rates

Compare top rates for A+FCU products.

View All Rates

APR=Annual Percentage Rate. APY=Annual Percentage Yield. Rates and terms subject to change without notice.

Mortgage Purchase

30-Year Fixed

 As Low As APR 6.250% 6.311% APR
Auto Purchase

6-36 Months

 As Low As APR 5.49% APR
Share Certificate

18-Month Term

 3.55% APY
Home Equity Loan

5-Year Home Equity

 As Low As APR 5.240% 5.500% APR
Mortgage Refi

15-Year Fixed

 As Low As APR 5.750% 5.847% APR
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Online Services

Convenient Online Tools To Help You Live Your A+ Life

Get the most out of your A+FCU membership with free services designed to benefit you. Get paid up to two days early† with direct deposit, use Card Management to add extra security and set controls for your A+FCU debit cards, and stay on top of your credit with monthly credit score updates through A+ Online Banking and the award-winning A+ Mobile App, recognized as the 2025 Best Mobile Banking App in North America.

Direct Deposit Manage Your Cards Credit Score

Find out about…

Join A+FCU Find Rates Make A Payment Get The App A+ Gives Careers
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About A+FCU

Banking on each other. Building stronger communities.®

At A+FCU, we don’t have customers, we have members. That means we’re all in this together, and when one member does well, we all share the benefits.

Who We Are Community Support Join Now

When you work hard for your members, people notice.

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A+FCU Loans

We’ll set you up with the right loan for your needs.

Depending on your wants, needs, and financial situation, we’ll work together to find the loan that’s best for you.

Home Loans Vehicle Loans Personal Loans
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Products & Services for:

Accounts

Discover a range of account options designed to meet your everyday banking needs and maximize your savings.

  1. Checking
  2. Savings
  3. Certificates
Products & Services for:

Online Banking

As your financial institution, we offer a variety of convenient services to simplify your financial needs.

  1. A+ Online Banking
  2. A+ Mobile App
  3. Bill Pay

†Early payment of funds is not guaranteed and is subject to when A+FCU receives the funds from the originator.

Latest Articles

APR vs. Interest Rate On A Personal Loan: What Texas Borrowers Need To Know

Couple sit on floor in front of couch looking at a notebook and paper with a laptop in front of them.

APR or interest rate – which matters more? Discover how to compare personal loans, avoid hidden fees, and choose the best option for your financial goals.

How Do Personal Loans Work? A Complete Guide For Borrowers In Texas

Young couple with baby reviewing documents

Learn how personal loans work, including rates, terms, and approval. Plus, discover when a personal loan makes sense and how to choose the right option.

16 Months Of Financial Tips

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Use these monthly financial tips to break down your top financial tasks and to-dos and get on the right path to being financially healthy.

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