Credit union · NCUA insured
A+ Federal Credit Union
A $2.6B credit union, the 207th largest of 4,329, headquartered in Austin, TX, with 194,144 members and 22 branches in Texas. Best rates: CDs 5.00% and savings 0.35% APY.
A+ Federal Credit Union Carrot Score
78
Carrot Score
Higher than 46% of U.S. banks and credit unions
#30 of 51 in Austin, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About A+ Federal Credit Union
Founded in 1949 by a group of teachers, A+ Federal Credit Union is a not-for-profit financial cooperative.
Serving Central Texas with 22 locations, the credit union focuses on supporting educators, students, and local community members.
- Headquarters
- 6420 E Highway 290, Austin, TX 78723-1030
- NCUA charter
- 6178
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to staff, employees, and family members of partner businesses and community organizations.
Military, government and schools
- Membership is open to staff, students, employees, and family members of partner schools and school districts.
Family and household
- Membership is open to individuals who have a family member that is a current A+FCU member.
Other ways
- Membership is open to individuals who make a one-time dues payment of $10 to the A+ Education Foundation when opening an account.
Cost to join
- A one-time dues payment of $10 to the A+ Education Foundation is required when joining via the foundation.
Branches
22 branches in Texas
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Texas
22 branches
Austin area · 21
- Main BranchMain office6420 E Highway 290, Austin, TX 78723Directions
- Akins High School10701 S 1st St, Austin, TX 78748Directions
- Bee Cave Branch3600 Ranch Road 620 S Ste D, Austin, TX 78738Directions
- Connally High School Branch13212 N Lamar Blvd, Austin, TX 78753Directions
- North Branch13087 N Highway 183, Austin, TX 78750Directions
- Northwest Hills Branch3635 N Hills Dr, Austin, TX 78731Directions
- South Branch1402 W Stassney LN, Austin, TX 78745Directions
- Southwest Branch6114 W William Cannon Dr, Austin, TX 78749Directions
- Trails at 620 Branch8300 N FM 620 Rd, Austin, TX 78726Directions
- Bastrop Branch731 Highway 71 W, Bastrop, TX 78602Directions
- Buda Branch15295 Interstate 35 Bldg A, Buda, TX 78610Directions
- Cedar Park Branch1604 E Whitestone Blvd, Cedar Park, TX 78613Directions
- Georgetown Branch804 S Interstate 35, Georgetown, TX 78628Directions
- Hutto Branch141 Ed Schmidt Blvd, Hutto, TX 78634Directions
- Leander Branch11255 Old 2243 West, Leander, TX 78641Directions
- Hendrickson High School Branch19201 Colorado Sand Dr, Pflugerville, TX 78660Directions
- Pflugerville Branch15108 Farm To Market Rd 1825, Pflugerville, TX 78660Directions
- Round Rock Branch1000 S Mays St, Round Rock, TX 78664Directions
- Round Rock High School Branch201 Deep Wood Dr, Bldg 1200, Round Rock, TX 78681Directions
- San Marcos Branch1204 Thorpe Ln, San Marcos, TX 78666Directions
- San Marcos High School Branch2601 Rattler Rd Ste 100, San Marcos, TX 78666Directions
Killeen area · 1
- Harker Heights400 W Central Texas Expy, Harker Heights, TX 76548Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 13.67% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 2.08% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.90% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $100 | $88 | — |
- CapitalNet worth ratio13.67%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late2.08%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.90%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$100Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of A+ Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.