A+ Federal Credit Union

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In order to get started, select an account that works for you.

Cash-Back Checking
This free checking account is our most popular! Earn unlimited cash back on all your A+ debit card purchases.*
  • No monthly fee and $1 to open
  • Earn 10¢ for signature and 5¢ for PIN-based A+ debit card purchases
  • Cash back deposited monthly to your A+ savings account
  • Top-rated mobile app for banking on the go
Value Checking
Basic free checking account designed for first-time banking members.
  • No minimum balance and $1 to open
  • No monthly fees
  • Top-rated mobile app for banking on the go
  • Debit card with EMV chip for enhanced security
A+ Checking
Our checking account that pays you dividends, just keep a minimum balance in your account.
  • $500 minimum balance to earn dividends, currently offering 0.05% APY*†
  • Dividends compounded and paid monthly
  • Debit card with EMV chip for enhanced security
  • $5 monthly fee if balance falls below $500
StartUP Certificate
Our most popular share certificate to kick start your savings with high-yield dividends and flexibility to add funds throughout the year.
  • Low initial investment with $10 minimum balance
  • High yield of 5.00% APY*†
  • 12-month term
  • Easy to add money during the term (up to $1,000)
Share Certificates
Put your money to work and grow your savings with a high-yield share certificate. With terms from 6 to 60 months and $1,000 minimum balance, select the option that works best for you.

6 Month Certificate 3.76% APY*†
19-Month New Money Advantage Certificate
Special 19-month promotional certificate offering a competitive dividend rate with money new to A+FCU.
  • Currently offering 4.10% APY*†
  • $1,000 minimum balance, $1,000,000 maximum balance allowed across all New Money Advantage Certificates
  • Automatic renewal on maturity for an 18-month term
37-Month New Money Advantage Certificate
Special 37-month promotional certificate offering a competitive dividend rate with money new to A+FCU.
  • Currently offering 3.90% APY*†
  • $1,000 minimum balance, $1,000,000 maximum balance allowed across all New Money Advantage Certificates
  • Automatic renewal on maturity for a 36-month term
Membership Savings
Our user-friendly savings account used to establish your membership with A+FCU.
  • Only $10 to open
  • $0 minimum balance to earn dividends, currently at  0.10% APY*†
  • Dividends are compounded and paid monthly
  • No monthly fees
Regular Savings
Designed for members who want an additional savings account for their savings needs.
  • Only $10 to open and no monthly fees
  • $0 minimum balance to earn dividends, currently at 0.10% APY*†
  • Dividends are compounded and paid monthly
  • Great account for reaching a specific savings goal
Tiered Money Market
The A+ account offering saving tiers so you earn higher dividends the more you save.  

Earn dividends up to 0.70% APY*† for savings of $250,000 and above.

Available Tier Levels:
  • Tier 1: $2,500 – $24,999.99 at 0.35% APY*†
  • Tier 2: $25,000 – $49,999.99 at 0.60% APY*†
  • Tier 3: $50,000 – $99,999.99 at 0.60% APY*†
  • Tier 4: $100,000 – $249,999.99 at 0.70% APY*†
  • Tier 5: $250,000+ at 0.70% APY*†

Features:
  • $1 to open and $0 monthly fees
  • $2,500 minimum to earn dividends, starting at 0.35% APY*†
  • Save more to earn more by reaching higher tier levels
  • Dividends are compounded and paid monthly
  • Highest tier currently offering 0.70% APY*†