Credit union · NCUA insured
A+ Federal Credit Union Savings Rates
A+ Federal Credit Union’s best savings rate is 0.35% APY on $10,000, with its Tiered Money Market. Rates checked October 16, 2026.
How A+ Federal Credit Union’s savings 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
0.35%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $35
Tiered Money Market
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
Nizari Credit Union
4.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $400
A+ Federal Credit Union savings score
74
Savings score
Higher than 37% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.35%
- $100,000 balance$100,0000.70%
- QualifiedQualified0.35%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Tiered Money Market
0.35%APY
Membership required. Insured by NCUA. $1 to open, no monthly fees, and no transfer or withdrawal limit. Minimum to earn dividends is $2,500. Dividends calculated by applying the highest rate based on the balance tier to the entire account balance (calculated by end of day balance, paid monthly). No checks for the Tiered Money Market. No Fiduciary, Guardianship, Association, or Business accounts allowed to open a Tiered Money Market. All accounts screened through ChexSystems.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $25,000Minimum balance to earn dividends is $2,500. Dividends calculated by applying the highest rate based on the balance tier to the entire account balance. | 0.35% | $35 | Minimum balance to earn dividends is $2,500. Dividends calculated by applying the highest rate based on the balance tier to the entire account balance. |
| $25,000 – $50,000Dividends calculated by applying the highest rate based on the balance tier to the entire account balance. | 0.60% | — | Dividends calculated by applying the highest rate based on the balance tier to the entire account balance. |
| $50,000 – $100,000Dividends calculated by applying the highest rate based on the balance tier to the entire account balance. | 0.60% | — | Dividends calculated by applying the highest rate based on the balance tier to the entire account balance. |
| $100,000 – $250,000Dividends calculated by applying the highest rate based on the balance tier to the entire account balance. | 0.70% | — | Dividends calculated by applying the highest rate based on the balance tier to the entire account balance. |
| $250,000 and upDividends calculated by applying the highest rate based on the balance tier to the entire account balance. | 0.70% | — | Dividends calculated by applying the highest rate based on the balance tier to the entire account balance. |
Sources (2)
All captured Oct 16, 2026
Membership Savings
0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Savings
0.10%APY
Designed for members who want an additional savings account for their savings needs.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (1)
- open.aplusfcu.org/products · captured Oct 16, 2026
Special-purpose accounts
StartUP IRA
0.31%APY
Available as either a Traditional or Roth IRA. Earns a higher APY on balances up to $1,000.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,000 | 5.12% | — |
| Over $1,000 | 0.31% | $31 |
Sources (2)
All captured Oct 16, 2026
Variable Rate IRA
0.30%APY
Option to choose between a Traditional IRA, Roth IRA, or Simplified Employee Pension (SEP) IRA.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.30% | $30 |
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.