A+ Federal Credit Union

A+ Federal Credit Union: a credit union in Texas

A+ Federal Credit Union (A+FCU) is a Texas-based credit union that operates on a membership model: the institution states that it has no customers, only members, and that benefits are shared among them. Its offerings span financial products and services for individuals and businesses, with branch locations and digital channels.

Savings and investment products

The institution offers checking accounts (Cash-Back Checking, A+ Checking, and Value Checking), savings accounts (Membership Savings, Tiered Money Market), certificates (StartUP Certificate, Share Certificates, and New Money Advantage Certificates), and investments through A+ Wealth Management, as well as IRAs and HSAs. The published catalog also includes a membership savings account as the foundation for joining.

Loans and credit

In financing, A+FCU offers mortgage loans for purchase and refinancing, home equity, vehicle loans (cars, trucks, recreational vehicles, and motorcycles), and personal loans, including a preferred line of credit and credit cards. The credit union maintains a network of partner dealerships for vehicle financing.

Digital and operational services

The institution provides online banking, a mobile app, mobile deposit, bill pay, Zelle, mobile wallet, card management, free monthly credit score updates, and direct deposit with the possibility of receiving pay up to two days early. For businesses, it offers online banking, checking and savings accounts, commercial and mortgage loans, lines of credit, credit cards, bill pay, cash management, and merchant services.

Membership and community

The credit union brings its members together around community and educational programs: A+ Gives, Member Giveback, scholarships, youth programs (Scouting America, Girl Scouts, Youth Month, financial camps), resources for educators, A+ Education Foundation, member benefits, referrals, discounts, and the Golden Apple Club. It also maintains Select Employee Groups.

Recognition and institutional data

The site reports that the mobile app was recognized as the best mobile banking app in North America in 2025 and that the institution received two recognitions at Global Finance's World's Best Consumer Digital Bank Awards 2026, in collaboration with Infosys. The credit union operates with routing number 314977104 and NMLS #405608, and is insured by the NCUA.