A+ Federal Credit Union’s top CD rate is 1.00% APY. This rate is offered on the credit union’s 60-month CD with a minimum deposit of $500. The dividends earned on this CD are paid upon maturity.

A+ Federal Credit also offers a 48-month CD rate. The account offers an 0.80% APY with a $500 minimum deposit. Your APY rate can increase if you use what the credit union calls PlusPoints. This account also pays you your dividends upon maturity. The more you deposit into your account, the more money you’ll make over time.

For short-term investors the credit union offers a 6-month CD. This CD offers an annual percentage yield of 0.30%. This CD is obtainable with a $1000 minimum deposit. The 6-36 month CDs are available with a minimum $1000 deposit, unlike the 48-60 month CDs which only require a $500 minimum.

A+ Federal Credit Union offers six CDs. Each of these CDs can be opened with either a $500 or $1000 minimum deposit, depending on what term you pick. You can also get what are called a Plus Advantage Certificates. There are five of these available that range from 12-60 month terms. With this option, you get the special feature of getting a one-time increase in the APY if the rates increase.

Dividends calculated on daily balance, paid monthly, and automatically transferred to Membership Savings account. Maximum balance=$1,000. Penalty may be imposed for early withdrawals. Limit one StartUP Share Certificate per member. Conditions and restrictions may apply. Subject to change without notice. Membership required. Federally insured by NCUA. APY with 2,500 PlusPoints includes 0.25% increase from redeeming 2,500 PlusPoints. Effective dates: 11.4.2020 through 11.10.2020.


You must be a member of A+ Federal Credit Union to open a CD. This means that you have to have a checking or savings account already existing. Becoming a member of A+ Federal Credit means that you also get to earn what are called PlusPoints. As mentioned before, these will come in handy to increase your CD rates.

Branches in Texas

Austin, Bastrop, Buda, Cedar Park, Georgetown, Harker Heights, Hutto, Leander, Pflugerville, Round Rock, and San Marcos.

Bank Overview

A+ Federal Credit Union prides itself in working together with their clients in order to succeed = mutual benefit. The credit union was founded in 1949 by a group of teachers who all had similar financial philosophies. Ever since then, they have expanded to different parts of Texas. 

A+ Federal Credit Union is committed to helping students by donating to several scholarship funds. So far, they’ve donated over $100,000 to 50 students. Students can apply on A+ Federal Credit Union’s website to be considered for a scholarship.