Credit union · NCUA insured
A+ Federal Credit Union CD Rates
A+ Federal Credit Union’s best CD rate is 5.00% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How A+ Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Austin, TX, where A+ Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
A+ Federal Credit Union
4.05%APY
- Term
- 19 months
- Minimum
- —
- Earns on $10,000
- $649
New Money Advantage Share Certificates
Top rate
First National Bank of Bastrop
5.00%APY
- Term
- 7 months
- Minimum
- $10,000
- Earns on $10,000
- $289
2nd-highest rate
Austin Capital Bank
4.58%APY
- Term
- 3 months
- Minimum
- $1,000
- Earns on $10,000
- $113
A+ Federal Credit Union CD score
88
CD score
Higher than 82% of U.S. banks and credit unions
- 3–8 months3–8 mo3.70%
- 9–15 months9–15 mo3.80%
- 16–30 months16–30 mo4.05%
- 31–60 months31–60 mo4.05%
- QualifiedQualified4.05%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where A+ Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
StartUP Certificate
5.00%APY · 1 term
Membership required. Insured by NCUA. Dividends calculated on daily balance, paid monthly, and automatically transferred to Membership Savings Account. Penalty may be imposed for early withdrawals. Limit one StartUP Share Certificate per member. Ability to add money during the term (up to $1,000). Use PlusPoints to increase dividend rate by 0.25%.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsLimit one StartUP Share Certificate per member. Add funds up to $1,000 during the term | 5.00% | — |
Sources (3)
- aplusfcu.org/accounts/certificates
- aplusfcu.org/accounts/certificates/startup-certificate
- aplusfcu.org/guidance/rates
All captured Oct 16, 2026
New Money Advantage Share Certificates
4.05%APY · 2 terms
Money must be new to A+FCU. $1,000,000 maximum balance allowed across all New Money Advantage Certificates. Cannot use PlusPoints for New Money Advantage Share Certificates. Membership required. Insured by NCUA. New members must open a Membership Savings Account with $2 minimum opening deposit. Penalty may be assessed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 19 monthsMoney must be new to A+FCU. Maximum $1,000,000 across all New Money Advantage Certificates. At maturity, automatically renews for an 18-month term | 4.05% | $649 |
| 37 monthsMoney must be new to A+FCU. Maximum $1,000,000 across all New Money Advantage Certificates. At maturity, automatically renews for a 36-month term | 4.05% | $1,302 |
Sources (2)
All captured Oct 16, 2026
Share Certificates
Up to 4.00%APY · 7 terms
Membership required. Insured by NCUA. Penalty may be imposed for early withdrawals. PlusPoints may be redeemed to increase the dividend rate by an additional 0.25%.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.70% | $183 |
| 12 months | 3.80% | $380 |
| 18 months | 3.85% | $583 |
| 24 months | 3.85% | $785 |
| 36 months | 3.85% | $1,200 |
| 48 months | 3.85% | $1,631 |
| 60 months | 4.00% | $2,167 |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
IRA Certificates
Up to 4.00%APY · 6 terms
Membership required. IRAs are federally insured separately up to $250,000 by NCUA. PlusPoints may be redeemed to increase the dividend rate by up to 0.25%. Available for Traditional, Roth, or SEP IRA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.80% | $380 |
| 18 months | 3.85% | $583 |
| 24 months | 3.85% | $785 |
| 36 months | 3.85% | $1,200 |
| 48 months | 3.85% | $1,631 |
| 60 months | 4.00% | $2,167 |
Sources (2)
All captured Oct 16, 2026
Who can join A+ Federal Credit Union
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.
Membership information collected October 5, 2026.