A+ Federal Credit Union: Member Owned | Texas' Award-Winning Choice

Established in the year 1949, A+ Federal Credit Union is a not-for-profit financial institution that provides a range of financial products and services to its members. As a federal credit union, it operates under the regulations of the National Credit Union Administration (NCUA) and serves its members in a similar way as banks do.

A federal credit union is a cooperative financial institution that is owned and operated by its members. These institutions are organized as non-profit entities and offer their services to people who share common interests or belong to specific communities. Unlike traditional banks, federal credit unions are exempt from paying taxes, which allows them to offer more competitive rates on loans and savings accounts.

In simple terms, a federal credit union is like a bank but with some key differences. While both provide similar services such as checking accounts, savings accounts, loans, and investment options, federal credit unions operate differently than banks because they are member-owned cooperatives.

A+ Federal Credit Union has over 170,000 members and serves the Central Texas area with 21 branch locations. The credit union prides itself on providing exceptional customer service while offering competitive rates and low fees for its members. A+ Federal Credit Union is committed to supporting the communities it serves through various initiatives and partnerships.

As a member-owned cooperative, A+ Federal Credit Union offers several benefits that traditional banks may not provide. Members have access to lower interest rates on loans and higher interest rates on savings accounts due to the absence of shareholder profit requirements. Members have voting rights in board elections which gives them an opportunity to participate in decision-making processes.

Overview of A+ Mobile and A+ Card Guard apps

A+ Mobile: Manage Your Accounts with Ease

A+ Federal Credit Union's A+ Mobile app is a free mobile banking app that allows members to manage their accounts, deposit checks, transfer funds, pay bills, and locate branches and ATMs. With the app's user-friendly interface and easy-to-use features, managing your finances has never been easier.

The A+ Mobile app provides a secure login with fingerprint or face recognition technology for added security. Members can also set up real-time account alerts to monitor their account activity and prevent fraud. The app's "Quick Balance" feature allows users to check their account balances without having to log in every time.

The remote deposit feature of the A+ Mobile app enables members to deposit checks from anywhere at any time using their smartphone or tablet camera. This feature saves valuable time and eliminates the need for trips to the bank.

In addition to these features, the A+ Mobile app offers a variety of other convenient tools such as transaction history review, eStatements access, loan payments, and more. Members can also use the "Find ATM/Branch" feature on the app to locate nearby branches or ATMs quickly.

A+ Card Guard: Control Your Debit and Credit Card Usage

A+ Federal Credit Union's A+ Card Guard app is another free mobile application that enables members to control their debit and credit card usage conveniently. The app allows users to set spending limits, turn cards on/off instantly, receive transaction alerts for purchases made with their cards in real-time.

One of the most useful features of this application is its location-based controls. Members can restrict card usage in specific areas by setting geographic parameters through GPS technology on their smartphones or tablets. This feature helps prevent fraudulent transactions by blocking all transactions outside of designated areas.

Another great feature of the A+ Card Guard app is its ability to report lost or stolen cards directly from within the application itself. Members no longer have to worry about calling the bank or waiting in line to report a lost or stolen card.

The app also provides transaction history review, balance inquiry, and other useful features that help members stay on top of their finances. Members can download the A+ Card Guard app from the App Store or Google Play for free and start using it immediately.

Benefits of A+ Mobile app

Convenient Access to Account Information and Transactions Through Mobile Devices

Gone are the days when banking meant standing in long queues for hours. With the advent of mobile banking, customers can access their account information and perform transactions anytime, anywhere. A+ Federal Credit Union's mobile app takes this convenience to a whole new level.

The A+ mobile app allows users to view their account balances, transaction history, transfer funds between accounts, pay bills and loans, and more. Users can also set up recurring payments or transfers for bills that need to be paid on a regular basis. All these features are easily accessible through the app's user-friendly interface.

In addition to providing easy access to account information and transactions, the A+ mobile app also offers enhanced security features such as biometric login and two-factor authentication. This ensures that your personal financial information is always safe and secure.

Ability to Deposit Checks Remotely Using the App's Mobile Check Deposit Feature

One of the most significant benefits of using A+ Federal Credit Union's mobile app is its remote check deposit feature. With this feature, you can deposit checks into your account from anywhere at any time without having to visit a branch.

To use this feature, all you have to do is take a picture of both sides of your check using your smartphone camera within the app. The amount will be credited directly into your account within seconds after approval.

This feature saves valuable time that would otherwise be spent traveling to a branch or ATM just to make a deposit. It also eliminates the risk of losing or misplacing checks before they can be deposited.

Personalized Alerts and Notifications for Account Activity and Important Updates Through the App

Another great benefit of using A+ Federal Credit Union's mobile app is receiving personalized alerts and notifications regarding important updates about your account activity. These alerts help keep you informed about any suspicious activity on your account or if there are any changes made involving your personal information.

Users can customize alerts to receive notifications for low balances, upcoming payments, and other account activities. This feature helps users stay on top of their finances and avoid overdraft fees or missed payments.

Features of A+ Card Guard app

Instantly Turn Your Card On and Off with A+ Card Guard App

A+ Federal Credit Union's A+ Card Guard app is a powerful tool that allows users to manage their credit and debit cards with ease. One of the most notable features of the app is its ability to turn cards on and off instantly, providing an added layer of security for users. With just a few taps on their smartphone screens, users can disable their card if they suspect fraudulent activity or enable it when they are ready to make a purchase.

The convenience of being able to control your card's status from your phone cannot be overstated. If you misplace your card, you don't have to worry about someone else using it because you can turn it off immediately. Similarly, if you notice suspicious transactions on your account, you can disable your card while you investigate the issue further. This feature gives users peace of mind knowing that they have complete control over their finances.

Set Up Transaction Alerts with A+ Card Guard App

Another useful feature of the A+ Card Guard app is transaction alerts. Users can set up notifications for specific types of transactions or spending thresholds. For example, if you want to know every time there is a transaction over $50 on your account, you can set up an alert for that amount. You can also receive alerts for online purchases or international transactions.

Transaction alerts help users keep track of their spending and detect any unauthorized activity quickly. If someone makes a purchase with your card without permission, you will receive an alert immediately and be able to take action right away.

View Your Balance and Transaction History Easily

The A+ Card Guard app makes managing finances easier by allowing users to view their balance and transaction history within seconds. This feature eliminates the need to log in to online banking or call customer service for information about your account.

Users can see all recent transactions made on their account as well as pending charges. The app also displays the account's current balance, so users can stay on top of their finances and avoid overdraft fees.

Report Lost or Stolen Cards Instantly

In case of a lost or stolen card, the A+ Card Guard app allows users to report it immediately. This feature is crucial in preventing fraudulent charges on your account. By reporting a lost or stolen card as soon as possible, you minimize the risk of unauthorized transactions occurring.

The process for reporting a lost or stolen card through the app is straightforward. Users just need to select the affected card and follow the prompts to report it as lost or stolen. The app will then disable the card, preventing any further use until a new one is issued.

Awards and recognition received by A+ Federal Credit Union

Recognitions and Awards Received by A+ Federal Credit Union

Best Credit Unions to Work For

For five consecutive years, A+ Federal Credit Union has been recognized as one of the Best Credit Unions to Work For by Credit Union Journal. This award is given to credit unions that provide an exceptional workplace culture for their employees. A+FCU was chosen based on its employee benefits, leadership development programs, and overall commitment to employee satisfaction.

Best of the Best Awards

A+ Federal Credit Union has been named as the Best Credit Union in Central Texas by the Austin American-Statesman's annual Best of the Best Awards for six years in a row. This recognition is given to businesses and organizations that are leaders in their respective industries. A+FCU stood out for its outstanding customer service, innovative products and services, and community involvement.

Dora Maxwell Social Responsibility Community Service Award

In 2020, A+FCU was awarded the Dora Maxwell Social Responsibility Community Service Award by the Credit Union National Association (CUNA) for their outstanding community service efforts. The credit union was recognized for its various philanthropic initiatives such as fundraising events, scholarship programs, and volunteer work.

CUNA Technology Council Excellence in Technology Award

A+FCU's mobile app was awarded the 2020 CUNA Technology Council Excellence in Technology Award for its innovative features and user-friendly interface. The app allows members to manage their accounts easily from their mobile devices with features like mobile check deposit, bill pay, and account transfers.

Top Workplace in Austin

The credit union has also been recognized as a Top Workplace in Austin by the Austin American-Statesman for three consecutive years. This award is given based on anonymous surveys conducted among employees of participating companies about their workplace experience. A+FCU received high marks from its employees for its supportive management team, positive work environment, and opportunities for career growth.

Healthiest Employers in Central Texas

A+FCU was named as one of the Healthiest Employers in Central Texas by the Austin Business Journal in 2019 for their commitment to employee wellness programs. The credit union provides its employees with various health and wellness benefits such as gym memberships, healthy eating options, and mental health resources.

Branch locations and services offered

Branch Locations

A+ Federal Credit Union has 21 branch locations across Texas, making it easy for members to access their accounts and take advantage of the services offered. Whether you're in Austin, San Antonio, Houston, or any other city in Texas, there's likely a branch nearby.

Each branch is staffed with friendly professionals who are ready to help you with your banking needs. They can answer questions about your account, provide assistance with online banking or mobile app usage, and even help you apply for a loan or credit card.

Services Offered

At A+FCU branches, members have access to a wide range of services that can help them manage their finances and achieve their financial goals. Here are some of the most popular services offered:

Checking Accounts: A+FCU offers several checking account options that cater to different needs. From basic checking accounts with no minimum balance requirements to interest-bearing accounts that offer higher returns on your deposits.

Savings Accounts: Members can also open savings accounts at A+FCU branches. These accounts come with competitive interest rates and no monthly maintenance fees.

Loans: If you need financing for a big purchase like a car or home improvement project, A+FCU has loans available at competitive rates. You can apply for a loan online or visit a branch location to speak with a loan officer.

Mortgages: Members looking to buy a home can take advantage of A+FCU's mortgage options. The credit union offers fixed-rate mortgages as well as adjustable-rate mortgages (ARMs) that allow borrowers to lock in low rates for an initial period before adjusting based on market conditions.

Credit Cards: A+FCU also offers credit cards with competitive interest rates and rewards programs that let you earn cash back on purchases. With no annual fees and fraud protection included, these cards are an excellent choice for anyone looking to build credit or earn rewards.

Accessing Your Account

Members can access their accounts online through the A+FCU website or mobile app, which lets you check balances, transfer funds, pay bills, and more. You can also visit any branch location to speak with a representative in person.

Becoming a Member

To become a member of A+ Federal Credit Union and take advantage of these services, individuals can register online or visit a branch site to complete an application. Membership is open to anyone who lives, works, worships, or attends school in Bell, Coryell, Dallas, Hays, Lampasas, McLennan, Travis or Williamson county. Once you become a member of A+FCU, you'll have access to all the products and services offered by the credit union.

Checking account options

Basic Checking: No Monthly Maintenance Fee

If you're looking for a simple and straightforward checking account, A+ Federal Credit Union's Basic Checking might be the perfect option for you. With no monthly maintenance fee and a minimum opening deposit of just $25, this account is designed to help you manage your money without any unnecessary fees or charges.

In addition to the free Visa debit card that comes with all A+ Federal Credit Union checking accounts, Basic Checking also offers unlimited check writing and access to online banking and mobile app. Plus, if you need overdraft protection, this account provides several options to help you avoid costly fees.

Premier Checking: Higher Interest Rates and Additional Benefits

For those who want more from their checking account, Premier Checking from A+ Federal Credit Union offers higher interest rates and additional benefits. While there is a $10 monthly maintenance fee for this account, it can be waived if certain requirements are met.

In addition to the same features as Basic Checking, Premier Checking also includes free checks (up to 2 boxes per year) and discounts on loans. This account is ideal for those who want to earn interest on their balance while taking advantage of other perks.

Student Checking: No Monthly Maintenance Fee or Minimum Balance Requirement

Designed specifically for students aged 16-24, Student Checking from A+ Federal Credit Union has no monthly maintenance fee or minimum balance requirement. This makes it an excellent option for young adults who are just starting out with managing their finances.

Like all A+ Federal Credit Union checking accounts, Student Checking comes with a free Visa debit card and access to online banking and mobile app. Students can also take advantage of overdraft protection options if needed.

Savings account options

Traditional Savings Accounts: A Safe Bet for Steady Interest

At A+ Federal Credit Union, members have access to a range of savings account options that can help them achieve their financial goals. One such option is the traditional savings account, which offers a safe and reliable way to save money while earning interest on all balances.

Unlike some other types of accounts, there are no minimum balance requirements for traditional savings accounts at A+. This means that even those who are just starting out on their savings journey can open an account and start earning interest right away. Because the interest rate is fixed and compounded monthly, members can be sure that their money will grow steadily over time.

Money Market Accounts: Higher Rates for Higher Balances

For those who are able to maintain a higher balance in their savings account, a money market account may be a good choice. At A+, these accounts offer higher interest rates than traditional savings accounts in exchange for requiring a higher minimum balance.

One advantage of money market accounts is that they often allow limited check-writing privileges or ATM access. This makes it easier for members to access their funds when needed without having to withdraw all of the money from the account at once. However, it's important to keep in mind that there are limits on the number of transactions allowed per month with these types of accounts.

Certificates of Deposit (CDs): Locking in High Rates for Fixed Terms

Another option available at A+ Federal Credit Union is certificates of deposit (CDs). These accounts offer fixed interest rates for set terms ranging from 3 months to 5 years. By choosing a longer term CD, members can earn even higher rates than they would with other types of accounts.

However, it's important to keep in mind that CDs come with penalties if you need to withdraw your funds before the end of the term. For this reason, it's important to carefully consider your financial situation before opening a CD and to make sure that you won't need access to the funds before the term is up.

Loan options

A+ Federal Credit Union offers a variety of loan options to its members. Whether you need money for personal or business needs, A+ has got you covered.

Scholarship Program

One unique offering is the credit union's scholarship program. Members can finance their education through this program, which provides financial assistance for tuition, books, and other related expenses. This program is a great way to help people achieve their educational goals without worrying about the financial burden that often comes with it.

Personal and Business Loans

In addition to its scholarship program, A+ Federal Credit Union also provides loans for personal and business needs. Members can apply for loans to cover home improvements or purchase a vehicle. These loans are designed to provide members with the money they need to accomplish their goals in life.

Enhanced Security Features

A+ Federal Credit Union takes security seriously and offers debit cards with enhanced security features to protect member transactions. This ensures that members can use their cards without worrying about fraud or identity theft. The credit union also regularly updates its systems to ensure data security and provide a seamless user experience.

Positive Reviews

Members have given positive reviews about the credit union's loan options and customer service, as seen in online feedback and reviews. People appreciate the free checking accounts offered by A+, which saves them time and money compared to other banks. Members praise the friendly staff who are always willing to help them out when needed.

Developers

The developers at A+ Federal Credit Union work hard behind the scenes to ensure that all systems are up-to-date and secure. They constantly update software programs so that member data remains safe from hackers or other malicious actors on the internet.

Why A+ Federal Credit Union is a Great Choice

With its commitment to providing excellent financial services, A+ Federal Credit Union has become a top choice for many individuals and families. The credit union offers various products and services that cater to the unique needs of its members.

For those who are always on-the-go, the A+ Mobile app is an excellent option. It allows members to access their accounts anytime, anywhere. This app provides a range of features such as account management, mobile deposit, and bill pay options. With this app, managing your finances has never been easier.

Another great option is the A+ Card Guard app which provides added security for your debit or credit card. This app gives you control over your card by allowing you to turn it on or off if lost or stolen. You can also set up alerts for transactions made with your card.

A+ Federal Credit Union has received numerous awards and recognition for its outstanding service. These include being named one of Austin's Top Workplaces and receiving the Best of Texas Credit Unions award.

The credit union also has multiple branch locations throughout Texas where members can avail themselves of various services such as checking accounts, savings accounts, loans, mortgages, and more.

A+ Federal Credit Union offers several choices including free checking with no minimum balance requirement and interest-bearing checking accounts with competitive rates.

For savings account options, members have access to regular savings accounts as well as money market accounts that offer higher interest rates while still maintaining liquidity.

A+ Federal Credit Union also offers various loan options including personal loans, auto loans, home equity loans, and mortgage loans at competitive rates.