2025 Overview
General Credit Union Information
A+ is an NCUA insured institution located in Austin, TX. It was founded in 1949 and has approximately $2514.98 millions in assets.
Who can join?
You can if...
You or any member of your family are an employee of their associated businesses.
You or any member of your family are a member of Black Star Co-op.
You or any member of your family are a member of one of their select PTAs.
You or any member of your family are an employee or student (where indicated) of one of their select schools
For lists of associated organizations:
https://aplusfcu.org/about-us/who-can-join
You may also join A+FCU by becoming a member of the A+ Education Foundation for only $10. The A+ Education Foundation was established by A+FCU to provide grants to educators in the communities served by A+FCU.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 6178 |
| Date Established | 1949 |
| Assets | $2,514.98 million |
| Loans | $2,074.76 million |
| Deposits | $2,028.74 million |
| Capital | $330.64 million |
Field of Membership Restrictions
Membership in the A+ Federal Credit Union is open to anyone the A+ Education Foundation ($10 membership dues). Membership is also open to employees or members of Texas State Teachers Association, any AISD Elementary, Middle or High Schools, and other Select Employer Groups.
Deposit Rates - July 30, 2025
Your Current Location: New York, NY 10116
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| SAV
|
0.10% | $100 | - |
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|
| Premier
|
0.60% | $25,000 | - |
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|
| Platinum
|
0.70% | $100,000 | - |
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|
|
Money Market
|
0.35% | $2,000 | - |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
3.82% | $1,000 | - |
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|
| 12 Mo CD
|
5.00% | $10 | $1,000 |
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|
| 12 Mo CD
|
4.23% | $25 | - |
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|
| 12 Mo CD
|
3.76% | $1,000 | - |
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|
| 18 Mo CD
|
3.71% | $1,000 | - |
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|
| 19 Mo CD
|
4.50% | $1,000 | $1,000,000 |
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|
| 24 Mo CD
|
3.56% | $1,000 | - |
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|
| 36 Mo CD
|
3.56% | $1,000 | - |
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|
| 37 Mo CD
|
4.00% | $1,000 | $1,000,000 |
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|
| 48 Mo CD
|
3.56% | $1,000 | - |
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|
| 60 Mo CD
|
3.87% | $1,000 | - |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| INTCK
|
0.05% | $500 | - | Learn More |
Loan Rates - July 30, 2025
Your Current Location: New York, NY 10116
There are currently no loan rates available for A+
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - New York 30 Year Fixed Mortgage Rates 2025
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 292473 |
6.368% | 6.250% | 0.63 | $3,985 | $1,971 | Learn More |
NMLS ID: 401822 |
6.644% | 6.500% | 0.88 | $4,795 | $2,023 | Learn More |
NMLS ID: 3030 |
Learn More | |||||
NMLS ID: 401822 |
Learn More |
Featured - New York Home Equity Line Of Credit Rates 2025
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|
Note to A+
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
Below are A+ branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
New York City,New York
A+ Locations around zip code 10116
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 1432.74 | A | View Lobby Hours | |
| 1435.26 | B | View Lobby Hours | |
| 1439.38 | C | View Lobby Hours | |
| 1440.79 | D | View Lobby Hours | |
| 1442.13 | E | View Lobby Hours | |
| 1445.11 | F | View Lobby Hours | |
| 1446.35 | G | View Lobby Hours | |
| 1446.46 | H | View Lobby Hours | |
| 1454.49 | I | View Lobby Hours | |
| 1457.23 | J | View Lobby Hours | |
| 1471.74 | K | View Lobby Hours | |
| 1475.47 | L | View Lobby Hours |
Climate Policy and Initiatives
A+ is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
A+ Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of A+. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| A+ | U.S. Average |
|---|---|
| 17.31% | 6.86 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of March 31, 2025, A+ had $55,650,546 in non-current loans and $3,749,228 in owned assets. To cover these potential losses it had $330,643,298 in net worth and $12,468,514 in loans loss reserves. That gives it a Texas Ratio of 17.31%.
Net Worth
| A+ | U.S. Average |
|---|---|
| 13.09% | 14.12% |
A+ FCU has a net worth of 13.09% versus the BestCashCow average of 14.12. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for A+
Ali123
December 19, 2019
Ali123
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