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 | APY 1 | |
|---|---|---|---|---|
| A+ Checking | $0 | $500 | $5 (if balance falls below $500) | 0.05% 2 |
| Money Market | $2,000 | $2,000 | $0 | 0.35% 3 |
| Health Savings Account | $10 | $100 | N/A | 0.30% 2 |
| Minimum to Open | Minimum to Earn Dividends | Monthly Fee | APY 1 | |
|---|---|---|---|---|
| Membership Savings | $15 4 | $100 | None | 0.10% 2 |
| Premier Savings | $25,000 | $25,000 | $20 (if balance falls below $25,000) | 0.45% 3 |
| Platinum Savings | $100,000 | $100,000 | None | 0.70% 3 |
| Youth Membership Savings | $10 | $10 | $0 | 0.10% 2 |
1 APY = Annual Percentage Yield. 2 Declared rate: 1.1.2023 through 1.31.2023. 3 Effective date: 1.17.2023 (6pm) through 1.24.2023 (5:59pm). 4 Includes $10 opening deposit and a $5 new membership fee.
Membership required. Insured by NCUA. All checking accounts screened through ChexSystems. Rates subject to change without notice. Fees could reduce earnings. See Fee Schedule . Conditions and restrictions may apply. Subject to change without notice.
Certificate Rates
StartUP Share Certificate 2
| Term | Minimum Balance | Maximum Balance | APY 1 |
|---|---|---|---|
| 12 Months | $10 | $1,000 | 5.00% |
Save to Win ® Certificate 3
| Term | Minimum Balance | APY 1 |
|---|---|---|
| 12 Months | $25 | 2.79% |
Share Certificates Rates
| Term | Minimum Balance | APY 1 |
|---|---|---|
| 6 month | $1,000 | 2.53% |
| 12 month | $1,000 | 2.84% |
| 18 month | $1,000 | 2.94% |
| 24 month | $1,000 | 3.04% |
| 36 month | $1,000 | 3.09% |
| 48 month | $1,000 | 3.09% |
| 60 month | $1,000 | 3.45% |
Plus Advantage Certificates Rates 4
| Term | Minimum Balance | APY 1 |
|---|---|---|
| 12 month | $1,000 | 2.73% |
| 18 month | $1,000 | 2.84% |
| 24 month | $1,000 | 2.94% |
| 36 month | $1,000 | 2.99% |
| 48 month | $1,000 | 2.99% |
| 60 month | $1,000 | 3.35% |
New Money Advantage Certificates Rates 5
| Minimum Balance | Maximum Balance | APY 1 | |
|---|---|---|---|
| 19-Month New Money Advantage Share Certificate | $1,000 | $1,000,000 | 3.75% |
| 37-Month New Money Advantage Share Certificate | $1,000 | $1,000,000 | 4.00% |
New Money Advantage Certificates
1 APY = Annual Percentage Yield.
2 Dividends calculated on daily balance, paid monthly, and automatically transferred to Membership Savings Account. Limit one StartUP Share Certificate per member.
3 PlusPoints 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.
4 To increase the rate during the term of Plus Advantage Certificates using PlusPoints, PlusPoints must again be available at each rate change.
5 Money 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. Effective Dates: 1.17.2023 (6pm) through 1.24.2023 (5:59pm).
IRA Rates
StartUP & Variable Rate IRA
| Opening Balance | Minimum to Earn Dividends | APY 1 | |
|---|---|---|---|
| StartUP IRA † | $10 |
$10-$1,000
$1,000.01 2 |
5.12%
2
0.31% 2 |
| Variable Rate | $50 | $100 | 0.30% 3 |
IRA Certificates
| Term | Minimum Balance | APY 1,4 |
|---|---|---|
| 12 month | $1,000 | 2.84% |
| 18 month | $1,000 | 2.94% |
| 24 month | $1,000 | 3.04% |
| 36 month | $1,000 | 3.09% |
| 48 month | $1,000 | 3.09% |
| 60 month | $1,000 | 3.45% |
IRA Plus Advantage Certificates
| Term | Minimum Balance | APY 1,4 |
|---|---|---|
| 12 month | $1,000 | 2.73% |
| 18 month | $1,000 | 2.84% |
| 24 month | $1,000 | 2.94% |
| 36 month | $1,000 | 2.99% |
| 48 month | $1,000 | 2.99% |
| 60 month | $1,000 | 3.35% |
1 APY = Annual Percentage Yield.
2 5.12% APY applies to balances of $10 – $1,000. 0.31% APY applies to balances of $1,000.01 and greater. Effective dates: 1.17.2023 (6pm) through 1.24.2023 (5:59pm).
3 $50 opening balance required. $100 minimum balance required to earn dividends. Declared rate from 1.1.2023 through 1.31.2023.
4 Effective dates: 1.17.2023 (6pm) through 1.24.2023 (5:59pm).
Membership required. IRAs are insured separately from other accounts and are federally insured up to $250,000 by NCUA. Rates subject to change. Conditions and restrictions may apply. Subject to change without notice.
Mortgage Purchase
| Rate | APR 1 | Estimated Payment | |
|---|---|---|---|
| 15-Year Fixed 2 | As low as 6.000% | As low as 6.089% | $2,953.50 per month for 15 years |
| 30-Year Fixed 3 | As low as 6.000% | As low as 6.100% | $2,098.43 per month for 30 years |
| 5/5 ARM 4 | As low as 6.000% | As low as 6.309% | $2,098.43 per month for initial fixed rate period (5 years) |
| 10/10 ARM 2 | As low as 6.000% | As low as 6.139% | $2,098.43 per month for initial fixed rate period (10 years) |
Mortgage Refinance
| Rate | APR 1 | Estimated Payment 5 | |
|---|---|---|---|
| 15-Year Fixed Refinance | As low as 6.000% | As low as 6.089% | $2,953.50 per month for 15 years |
| 30-Year Fixed Refinance | As low as 6.000% | As low as 6.100% | $2,098.43 per month for 30 years |
| 5/5 ARM Refinance | As low as 6.000% | As low as 6.309% | $2,098.43 per month for initial fixed rate period (5 years) |
| 10/10 ARM Refinance | As low as 6.000% | As low as 6.139% | $2,098.43 per month for initial fixed rate period (10 years) |
Home Equity Loan & Home Equity Line Of Credit
| Rate | APR 1 | Estimated Payment Terms | |
|---|---|---|---|
| Home Equity Loan 6 | As low as 6.3750% | As low as 6.3750% | $8.64 per $1,000 per month for 15 years |
| Home Equity Line of Credit 7 | As low as 7.500% |
1 APR=Annual Percentage Rate.
2 15-Year Fixed Purchase, 10/10 ARM Purchase: As low as rates and payments are based on a $350,000 loan amount with a 70% LTV, credit score >=760, and a 0.50% discount point. Payment examples do not include taxes and insurance premiums; actual payment may be greater.
3 30-Year Fixed Purchase: As low as rates and payments are based on a $350,000 loan amount with a 70% LTV, credit score >=760, and a 1% discount point. Payment examples do not include taxes and insurance premiums; actual payment may be greater.
4 5/5 ARM Purchase: As 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.
5 As 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.
6 Home Equity Loan rates listed are for 15-year loans.
7 Maximum loan amount of $250,000. HELOCs are a variable rate product. Read CFPB HELOC Guide .
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. ARM 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. Additional terms available. NMLS #405608. Rates as of 1.13.2023.
Vehicle Loan Rates
Auto Loans
| APR 1 | Estimated Payment | |
|---|---|---|
| 6-36 Month Term | As low as 7.69% | $31.19 per $1,000 per month for 36 months |
| 37-66 Month Term | As low as 7.69% | $18.63 per $1,000 per month for 66 months |
| 67-75 Month Term | As low as 8.19% | $17.08 per $1,000 per month for 75 months |
| 76-84 Month Term | As low as 8.44% | $15.81 per $1,000 per month for 84 months |
| 85-96 Month Term | As low as 8.69% 2 | $14.49 per $1,000 per month for 96 months |
RV Loans
| Terms | APR 1 | Payment Terms |
|---|---|---|
| 6-66 months | As low as 8.92% | $19.23 per $1,000 per month for 66 months |
| 67-84 months | As low as 9.42% | $16.30 per $1,000 per month for 84 months |
| 85-120 months | As low as 9.92% | $13.17 per $1,000 per month for 120 months |
| 121-180 months | As low as 10.42% | $11.00 per $1,000 per month for 180 months |
Boat Loans
| Terms | APR 1 | Payment Terms |
|---|---|---|
| 6-66 months | As low as 8.84% | $19.19 per $1,000 per month for 66 months |
| 67-84 months | As low as 9.84% | $16.52 per $1,000 per month for 84 months |
| 85-120 months | As low as 10.84% | $13.68 per $1,000 per month for 120 months |
| 121-180 months | As low as 11.84% | $13.04 per $1,000 per month for 144 months |
Motorcycle Loans
| Terms | APR 1 | Payment Terms |
|---|---|---|
| 6-66 months | As low as 8.49% | $19.02 per $1,000 per month for 66 months |
| 67-84 months | As low as 9.49% | $16.34 per $1,000 per month for 84 months |
Power Sports Vehicle Loans
| Terms | APR 1 | Payment Terms |
|---|---|---|
| 6-66 months | As low as 8.49% | $19.02 per $1,000 per month for 66 months |
| 67-84 months | As low as 9.49% | $16.34 per $1,000 per month for 84 months |
1 APR=Annual Percentage Rate.
2 85-96 month term loan requires minimum credit score of 720 and loan amounts of $100,000 or more.
Membership required. Associations and business accounts are not eligible. Normal lending criteria apply. All loans subject to credit approval. Programs, rates, terms, and conditions are subject to change without notice. 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. 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 1.13.2023.
Personal Loan Rates
A+ Personal Loan
| Terms | APR 1 | Estimated Payment Terms | |
|---|---|---|---|
| A+ Personal Loan | Up to 84 months | As low as 9.74% 2 | $16.47 per $1,000 per month for 84 months |
1 APR=Annual Percentage Rate.
2 As 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. Rates as of 1.13.2023.
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. Minimum loan amount of $2,500.