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 $0 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
  • 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
Money Market
A savings and checking hybrid so you earn higher dividends every month, while also having the benefits of checking.
  • $2,000 minimum balance to earn dividends, currently offering 0.35% APY*†
  • Dividends compounded and paid monthly
  • No monthly fees
  • Offers checking account perks, like mobile check deposit
Save to Win® Certificate
Special certificate where you earn entries to win prizes from $25 to $5,000 just by saving regularly.  
  • Minimum balance $25 and 12-month term
  • Currently offering high-yield dividend of 4.23% APY*†
  • Monthly and quarterly national and A+FCU cash prize drawings
  • Easy to add to your savings during the 12-month term
  • Every $25 increase in month-over-month balance earns one entry into prize drawings
  • Limit 100 entries per month and 300 per quarter
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 4.07% APY*†
Plus Advantage Certificates
Save smarter by investing in a high-yield account that allows a special one-time increase in your dividend rate. With terms from 12 to 60 months and $1,000 minimum balance, select the option that works best for you with the confidence that you can boost your rate if rates increase during your term.

Plus Advantage 12 Certificate 4.18% 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 4.50% 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 4.00% 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
  • $100 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
  • $100 minimum balance to earn dividends, currently at  0.10% APY*†
  • Dividends are compounded and paid monthly
  • Great account for reaching a specific savings goal
Premier Savings
More savings earns you more returns. Receive dividend rates higher than our Membership Savings Account on balances of $25,000 or greater.
  • Currently offering 0.60% APY*†
  • $25,000 minimum opening deposit and minimum balance to earn dividends
  • Dividends are compounded and paid monthly
  • $20 monthly fee if balance falls below $25,000
Platinum Savings
High-yield savings account for balances of $100,000 or more to earn higher dividends every month.
  • Currently offering 0.70% APY*†
  • $100,000 minimum opening deposit and minimum balance to earn dividends
  • Dividends are compounded and paid monthly
  • No below-minimum balance fees