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A+ Federal Credit Union

Is This Your Business?
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LAST UPDATED: March 19th, 2021
Since 1949, A+ Federal Credit Union has been focused on providing a non-profit credit union option for people as a safe place to borrow money and invest money. A+ Federal Credit Union was founded by 50 teachers and still operates around the idea that everyone in the A+ community has input. A+ members can benefit from the different business products provided by A+ Federal Credit Union including online banking to business checking. All members vote on issues that affect A+ Federal Credit Union each February. The credit union has 21 branches and around 130,000 members.

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The Good

  • eServices
  • Membership perks
  • Customer support
  • Business products


With a focus on providing members with the resources they need to achieve their financial goals, A+ Federal Credit Union makes it easy to manage money with the following online tools:
  • Online bill pay
  • Online access through desktop and mobile apps
  • Mobile deposit of checks
  • Use smartphone to pay with mobile wallet
  • Set up real-time alerts on debit card with Card Guard

Membership Perks

Being a member of the A+ Federal Credit Union comes with a few benefits aside from being a part of a member-run credit union. Here's a list of a few of the discounts and perks associated with being an A+ Federal Credit Union member:
  • Sea World and Aquatica pass discounts
  • Rebate from using CU HomeAdvantage when buying or selling a home
  • Discount airport transportation

Customer Support

A+ Federal Credit Union provides customer support for both English and Spanish speaking members. The Texas-based credit union makes it easy for members to contact it and receive assistance when needed whether member questions are about business loans or internet banking services. There are two phone numbers listed at the top of the A+ Federal Credit Union for members to call in for help include an 800 number. A+ Federal Credit Union also accepts snail mail and is active on social media. Some of the social media platforms include:
  • Facebook
  • Twitter
  • Pinterest

Business Products

A+ Federal Credit Union has four business products to help members with money management and operations which are deposit accounts, checking accounts, loans and credit cards. Other benefits available to business members include online access to business accounts and mobile access with the A+ Mobile app available on Android and iPhone. Business members can receive eStatements through A+ Online. Business members can also choose from three different business checking plans which are:
  • Basic business checking
  • Classic business checking
  • Business checking plus
Depending on the business checking plan chosen, benefits include $0 monthly fee or 500 items per month at no charge.

The Bad

  • No free credit scores
  • Undisclosed information
  • Limited locations

No Free Credit Scores

Unlike other credit unions and banks, A+ Federal Credit Union does not provide free credit scores. This may be frustrating for members and prospective members who want to know the status of their credit score before starting to buy a home or buy a car.

Undisclosed Information

Despite the different services and products available, A+ Federal Credit Union does disclose any details about its credit cards or cash cards on its website and interest rates are not readily available. Additionally, A+ Federal Credit Union doesn't make it clear if there are late payment penalties, foreign transaction fees, or fraud safeguards.

Limited Locations

The benefits of banking with A+ Federal Credit Union are not available to everyone around the world or even everyone who lives in the United States of America. A+ Federal Credit Union only has locations in the state of Texas. A+ Federal Credit Union also only has 21 branches total in Texas which further limits the accessibility of A+ Federal Credit Union to people who are interested in becoming a member.

The Bottom Line

A+ Federal Credit Union is focused on helping its members achieve their financial goals. The credit union is accommodating to both English and Spanish speakers. Customer support is readily available thanks to the different ways members can contact A+ Federal Credit Union to receive assistance. Members can do everything from call in for help, use social media platforms such as Facebook and Twitter to even using snail mail. Despite the different benefits people can experience as members of A+ Federal Credit Union, there a few things that may discourage people from joining A+ Federal Credit Union. Some of those factors include not have a free credit score along with little to no information for foreign transaction fees, fraud safeguards, or late payment penalties. Another roadblock for potential members is that A+ Federal Credit Union is only in the state of Texas and only has 21 branch locations. As community focused-credit union, A+ Federal Credit Union provides different options for members to use for banking assistance. The Texas-based credit union has limited locations and limited information available online but can still be a good fit for personal and business banking.
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