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Guidance
Compare rates for various products including checking and savings accounts, certificates, home loans, vehicle loans, and more.
- Certificate Rates
- IRAs
- Vehicle Loans
- Home Loans
- Personal Loans
Checking & Savings
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| Minimum to Open | Minimum to Earn Dividends | Monthly Fee | APY1 | |
|---|---|---|---|---|
| A+ Checking | $0 | $500 | $52 | 0.05%3 |
| Money Market | $2,000 | $2,000 | $0 | 0.35%3 |
| Health Savings Account | $10 | $100 | N/A | 0.30%3 |
Explore Checking Accounts
1APY = Annual Percentage Yield. 2$5 fee if balance falls below $500. 3Rates effective 5.1.2024 and are subject to change without notice.
Membership required. Insured by NCUA. All checking accounts screened through ChexSystems. Fees could reduce earnings. SeeFee Schedule. Conditions and restrictions may apply. Subject to change without notice.
Savings Accounts
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| Minimum to Open | Minimum to Earn Dividends | Monthly Fee | APY1 | |
|---|---|---|---|---|
| Membership Savings | $10 | $100 | None | 0.10%2 |
| Youth Membership Savings | $10 | $10 | $0 | 0.10%2 |
| Money Market | $2,000 | $2,000 | $0 | 0.35%2 |
| Premier Savings | $25,000 | $25,000 | $203 | 0.60%2 |
| Platinum Savings | $100,000 | $100,000 | None | 0.70%2 |
More Savings Accounts
1APY = Annual Percentage Yield. 2Rates effective 5.1.2024 and are subject to change without notice. 3$20 monthly fee if balance falls below $25,000.
Membership required. Insured by NCUA. All checking accounts screened through ChexSystems. Fees could reduce earnings. SeeFee Schedule. Conditions and restrictions may apply. Subject to change without notice.
Certificate Rates
StartUP Share Certificate3
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| Term | Minimum Balance | Maximum Balance | APY1 |
|---|---|---|---|
| 12 Months | $10 | $1,000 | 5.00%2 |
StartUP Certificate
Save to Win® Certificate4
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| Term | Minimum Balance | APY1 |
|---|---|---|
| 12 Months | $25 | 4.23%2 |
Save To Win Certificate
Share Certificates Rates
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| Term | Minimum Balance | APY1 |
|---|---|---|
| 6 month | $1,000 | 4.07%2 |
| 12 month | $1,000 | 4.28%2 |
| 18 month | $1,000 | 4.39%2 |
| 24 month | $1,000 | 4.07%2 |
| 36 month | $1,000 | 3.87%2 |
| 48 month | $1,000 | 3.87%2 |
| 60 month | $1,000 | 3.87%2 |
Share Certificates
Plus Advantage Certificates Rates5
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| Term | Minimum Balance | APY1 |
|---|---|---|
| 12 month | $1,000 | 4.18%2 |
| 18 month | $1,000 | 4.28%2 |
| 24 month | $1,000 | 3.97%2 |
| 36 month | $1,000 | 3.76%2 |
| 48 month | $1,000 | 3.76%2 |
| 60 month | $1,000 | 3.76%2 |
Plus Advantage Certificates
New Money Advantage Certificates Rates6
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| Minimum Balance | Maximum Balance | APY1 | |
|---|---|---|---|
| 19-Month New Money Advantage Share Certificate6 | $1,000 | $1,000,000 | 4.50%2 |
| 37-Month New Money Advantage Share Certificate6 | $1,000 | $1,000,000 | 4.00%2 |
New Money Advantage Certificates
1APY = Annual Percentage Yield. 2Rates effective 5.1.2024 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.
4PlusPoints cannot be used with a Save to Win Certificate. Limit one Save to Win Certificate per member. Must be 18 years of age or older.
5To increase the rate during the term of Plus Advantage Certificates using PlusPoints, PlusPoints must again be available at each rate change.
6Money 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
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| 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 |
IRAs
IRA Certificates
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| Term | Minimum Balance | APY1 |
|---|---|---|
| 12 month | $1,000 | 4.28%2 |
| 18 month | $1,000 | 4.39%2 |
| 24 month | $1,000 | 4.07%2 |
| 36 month | $1,000 | 3.87%2 |
| 48 month | $1,000 | 3.87%2 |
| 60 month | $1,000 | 3.87%2 |
IRAs
IRA Plus Advantage Certificates
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| Term | Minimum Balance | APY1 |
|---|---|---|
| 12 month | $1,000 | 4.18%2 |
| 18 month | $1,000 | 4.28%2 |
| 24 month | $1,000 | 3.97%2 |
| 36 month | $1,000 | 3.76%2 |
| 48 month | $1,000 | 3.76%2 |
| 60 month | $1,000 | 3.76%2 |
IRAs
1APY = Annual Percentage Yield. 2Rates effective 5.1.2024 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
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| Term | APR1 | Estimated Payment | |
|---|---|---|---|
| Auto Purchase | 37-66 Month Term | As low as 6.49%2 | $18.06 per $1,000 per month for 66 months |
| Auto Refinance | 37-66 Month Term | As low as 6.49%3 | $18.06 per $1,000 per month for 66 months |
RV Loans
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| 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 |
More Vehicle Loans
1APR = Annual Percentage Rate.
2As low as rate includes a 0.25% rate discount for automatic payments and a 0.50% rate discount for a Loan-To-Value (LTV) less than or equal to 100%. Rates may increase if automatic payment is cancelled.
3As low as rate includes a 0.25% rate discount for automatic payments and a 0.25% rate discount for a Loan-To-Value (LTV) less than or equal to 100%. Rates may increase if automatic payment is cancelled. Minimum loan amount of $10,000.
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 9.3.2024 and subject to change without notice.
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| Rate | APR1 | Estimated Payment | |
|---|---|---|---|
| 10-Year Fixed2 | As low as 5.875% | As low as 6.026% | $3,863.78 per month for 10 years |
| 15-Year Fixed2 | As low as 5.375% | As low as 5.476% | $2,836.63 per month for 15 years |
| 20-Year Fixed2 | As low as 5.750% | As low as 5.833% | $2,457.29 per month for 20 years |
| 30-Year Fixed2 | As low as 5.990% | As low as 6.054% | $2,096.18 per month for 30 years |
| 15-Year Jumbo Fixed3 | As low as 5.875% | As low as 5.947% | $6,445.81 per month for 15 years |
| 30-Year Jumbo Fixed3 | As low as 6.500% | As low as 6.547% | $4,866.92 per month for 30 years |
| 5/5 ARM2 | As low as 5.375% | As low as 6.122% | per month for initial fixed rate period (5 years)4 |
| 10/10 ARM2 | As low as 6.000% | As low as 6.278% | $2,098.43 per month for initial fixed rate period (10 years)4 |
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| Rate | APR1 | Estimated Payment | |
|---|---|---|---|
| 10-Year Fixed Refinance2 | As low as 5.875% | As low as 6.026% | $3,863.78 per month for 10 years |
| 15-Year Fixed Refinance2 | As low as 5.375% | As low as 5.476% | $2,836.63 per month for 15 years |
| 20-Year Fixed Refinance2 | As low as 5.750% | As low as 5.833% | $2,457.29 per month for 20 years |
| 30-Year Fixed Refinance2 | As low as 5.990% | As low as 6.054% | $2,096.18 per month for 30 years |
| 15-Year Jumbo Fixed Refinance3 | As low as 5.875% | As low as 5.947% | $6,445.81 per month for 15 years |
| 30-Year Jumbo Fixed Refinance3 | As low as 6.500% | As low as 6.547% | $4,866.92 per month for 30 years |
| 5/5 ARM Refinance2 | As low as 5.375% | As low as 6.122% | $1,959.90 per month for initial fixed rate period (5 years) |
| 10/10 ARM Refinance2 | As low as 6.000% | As low as 6.278% | $2,098.43 per month for initial fixed rate period (10 years) |
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| Rate | APR1 | Estimated Payment Terms | |
|---|---|---|---|
| Home Equity Loan5 | As low as 6.240% | As low as 6.240% | $8.57 per $1,000 per month for 15 years |
| Home Equity Line of Credit6 | As low as 7.990% |
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 $770,000 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 $766,550.
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.
5Home Equity Loan rates listed are for 15-year loans. $495 processing fee for loans less than $40,000. $795 processing fee for loans $40,000 and above.
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 9.3.2024.
Personal Loan Rates
A+ Personal Loan
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| Terms | APR1 | Estimated Payment Terms | |
|---|---|---|---|
| A+ Personal Loan | Up to 84 months | As low as 8.99%2 | $16.08 per $1,000 per month for 84 months |
A+ Personal Loan
A+ Preferred Line Of Credit
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| Terms | APR1 | |
|---|---|---|
| A+ Preferred Line of Credit | Revolving line of credit | As low as 10.99%3 |
A+ Preferred Line Of Credit
1APR=Annual Percentage Rate.
2As low as rate include 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.
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 9.3.2024, the variable A+ Preferred Line of Credit APR ranges from 10.99% to 18.00% APR and the margin varies based on creditworthiness. Excellent credit is required to qualify for the lowest rates.
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 $2,500. Rates as of 9.3.2024.
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