From unlimited cash back on everyday purchases to dividends on savings, our checking and savings accounts help your financial well-being with every transaction. Sometimes you need extra money. As part of our commitment to your financial well-being, we're here to help with personal loans and competitive rates.
There's a vehicle out there for every personality and budget. From daily drivers to motorcycles to ATVs, we'll set you up with the right loan for your needs - with a competitive interest rate and flexible payment terms. Depending on your wants, needs, and financial situation, we'll make sure you get the right loan.
There's a vehicle out there for every personality and budget. From daily drivers to motorcycles to ATVs, we'll set you up with the right loan for your needs - with a competitive interest rate and flexible payment terms. Depending on your wants, needs, and financial situation, we'll make sure you get the right loan.
Services
With over 20 branches in the Central Texas region and thousands of surcharge-free ATMs across the nation, you'll have easy access to your accounts wherever your financial journey takes you. Some services still require an appointment. We encourage members to continue to use A+ Online Banking, the A+ Mobile app, and drive-thrus whenever possible.
All A+FCU branch lobbies are open for limited walk-in transactions. We encourage members to continue to use A+ Online Banking, the A+ Mobile app, and drive-thrus whenever possible. Please note that some services still require an appointment. Use this information to understand which transactions and services require an appointment and which can be done through A+ Online Banking, A+ Mobile app, Member Contact Center, Drive-Thru, or Lobby Walk-In.
Through our ATM Alliances, you have access to thousands of surcharge-free ATMs in Central Texas and across the US. In the spirit of financial cooperatives, several Austin-area Credit Unions have joined forces to provide our members with a totally FREE ATM network. All members of participating Credit Unions now have the convenience of using any ATM within the network at no charge.
We're looking for individuals with strong values and ethics, willing to set and exceed goals, and with a desire to join a team of professional individuals. If this describes you, view our job openings and apply today! Tuition reimbursement - part-time and full-time employees eligible after 90 days ($3,000 maximum annually).
Hi! Whenever you need help with your financial needs, plans, hopes and dreams we're ready to help, and there are plenty of ways to get in touch with us. Need to schedule an in-branch appointment? Appointments are only available during normal branch hours: Monday - Friday 9 am - 5 pm, Saturdays 10 am - 1 pm.
Reviews (27)
Customer V.
Jan 27, 2022
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A+car loan does not work with you at all. My daughter had a car loan with them and she fell on hard times with in the 6 months of the loan. Her trying to be an adult tried to deal with it on her own. However, things transpired to a repossession. The repossession so happens to happen when we was visiting my mother, her grandmother, who is blind, has dementia and is partially paralyzed in which I pay for her ticket to go there with me to visit her grandmother out of state. In summary of this, I spoke with Stephanie several times, she is the only person who does or handles repossession for a plus
Carol Miller
Jan 06, 2022
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I get numerous pieces of junk mail from them, offers to buy all sorts of insurance, credit cards etc; but unfortunately they have on several occasions failed to send my bank statement. I'm giving them 2 stars because they are polite when you call and complain about not receiving your statement. I do not recommend this bank.
Jess T.
Dec 23, 2021
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Samana Benedetti
Dec 19, 2021
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I’ve been with A+ for seven years Since I moved to Austin I have sent several people to them and now it’s so frustrating going to the drive-through because no matter what day or time of day I go it’s gonna take me 20 to 45 minutes and I can’t stand it anymore
How about better training or efficiency?
How about better training or efficiency?
Victoria C.
Nov 30, 2021
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This bank is an absolute joke and definitely living up to the nickname F U credit union. If I could give no stars, I would. I'd rather stash my money under a mattress than have to deal with this bank. The customer service is beyond horrible and hasn't gotten any better in 5+ years. My average wait time is 30-40 min and the tellers can't count, which is a little concerning considering their job. Counting down the day until the company takes their money elsewhere.
Sunny S.
Sep 29, 2021
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Jennifer Sims
Aug 12, 2021
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Once I bragged about A+FCU suggested my co workers and friends join. Not anymore.
Yesterday, I had my 4th debit card - within the last 6 months - compromised. I almost always use it as a credit card because it pays more than using as a debit, AND it's supposed to be safer they told me.
The last time, the young lady taking my report told me this had been happening to more members I'm wondering if it's an internal employee using my information, maybe selling it.???
The 1st time, mmmh, ok. The 2nd time, ok. The 3rd time, what's going on? The 4th time is the time to leave. There are other credit
Yesterday, I had my 4th debit card - within the last 6 months - compromised. I almost always use it as a credit card because it pays more than using as a debit, AND it's supposed to be safer they told me.
The last time, the young lady taking my report told me this had been happening to more members I'm wondering if it's an internal employee using my information, maybe selling it.???
The 1st time, mmmh, ok. The 2nd time, ok. The 3rd time, what's going on? The 4th time is the time to leave. There are other credit
Rick
Apr 16, 2021
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What started out as a 5 star when account is new, is slowly losing its quality. Unfortunately, there is no across the board decisions in any branch. Depending on who is your teller, it may be a smooth transaction or a ruin your day transaction. There have been many times where it seems the tellers pick and choose who their favorites are. If you bank at this institution, be sure and get known with one teller, or one location. You will not be treated the same at "C" branch, if your normal location is "A" bank. Its sad the comments being written but it is true. There have been times tellers are wanting
Eric R.
Apr 12, 2021
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Christine C.
Feb 19, 2021
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Closed until monday february 22, 2021!!! what about our direct deposits!!! are you kidding me! whataburger is open, popeyes is open right down the street & you are closed!!!! you have no empathy for those that still don't have power & no access to money because you want (not need) to stay home!!!! are you kidding me!!!! pathetic!!!
Shannan H.
Jan 22, 2021
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Monica G.
Oct 07, 2020
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Wow what an incredible group of people that work at the North West Hills branch! During these trying times, the staff members at this branch have been more than helpful and with wonderful upbeat attitudes! I love visiting this branch and can't wait for things to get safer so the lobby can open again. Thanks guys for helping me with my IRA situation! Special shout out to Shannon Gleason who is super quick to respond to my questions!
Matthew Valle
Aug 16, 2020
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Raleigh B.
Jul 14, 2020
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If you want to deal with the most convoluted online banking system on planet earth A+ has you covered. Hours of hold time to get ahold of people, inaccurate information on loans sent or NOT sent to the credit agencies the list goes on and on and on. Every time I have to call them it's 5000 verification questions to verify my identity. Silly stuff like "The vehicle you traded in at your last vehicle purchase, who was the finance company and interest rate ? Silly financial institution. Glad to be rid of them.
Gabriela Rodriguez
Jul 12, 2020
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When I opened an account with A+ in 2013, everything used to go so smooth. A+ used to be a part of the credit union program where you could use other credit union’s atms and branches with no fees. A few years later, A+ left the program. You can still withdraw from certain credit union atms without a fee but other credit unions will not accept deposits. Making it difficult to add cash and check funds to your account if you do not live or commute nearby an A+ branch. A+ does have a mobile app where you can snap a picture of your check and deposit it. However, sometimes the system puts a hold on
Julia Martinez
Jun 04, 2020
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Let’s just say I was having the worst possible day ever Friday to where I was ready to fall down and cry by 10 am, Brandon was BEYOND AMAZING! Super sweet & a respectful person. All the staff is amazing but Brandon went above and beyond for me just with simply giving kindness. We need more people like Brandon in this world ❤️ Bless his soul.
Tony R.
Mar 06, 2020
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1.) I pay a few bills monthly via Google Pay and, like clockwork, the fraud protection service locks my account. Sometimes it shoots me an automated phone call, other times not. This has been going on for over a year, despite assurances that it would "learn" my spending habits. In multiple calls to customer service, I have been told that it cannot be turned off.
2.) The last time I visited the lobby, it took more than 15 minutes to withdraw cash because their cash dispenser (?) was acting up. If this is a thing, have a backup plan, for heaven's sake. Another time, they issued new
2.) The last time I visited the lobby, it took more than 15 minutes to withdraw cash because their cash dispenser (?) was acting up. If this is a thing, have a backup plan, for heaven's sake. Another time, they issued new
Janis B.
Jan 29, 2020
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I just had one of the best interactions ever with a corporation. Michael from the lending department spend a good 30 minutes with me getting to know me as a person. We had a real conversation about real things we care about -- all relevant to the purpose of the business I was doing, but personable. Human. When I hung up the phone, I felt I had someone truly on my side that gets what I am about and why I am doing business with them to begin with. As the director of a nonprofit with a nimble budget, it is heartening to know that they see what this is about for me. And care.
Jacob L.
Dec 30, 2019
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Abigail Dunn
Dec 25, 2019
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Worst banking experience of my life. No one knows what they’re talking about or the proper protocols. You get a different answer every time you call or go into a branch. I have been trying to wrap up my fathers estate with them for over 3 months. Of all things you would think they would know how to handle an account when someone dies. There were also technical issues making transfers between different financial institutions causing several weeks delay in payments. Awful! Not one good thing to say. On top of everything I had to wait a long time on each visit just adding to the frustration. I have
Angie M.
Jul 24, 2019
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Ali A.
Mar 03, 2019
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Dr. W.
Dec 01, 2018
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This bank sucks. I applied for an auto loan and it took them 1.5 weeks to get back to me. I have 790-800 credit score, so they just don't care. Their rates are nothing special either. Glad I didn't get a loan with them but I'm unhappy they pulled my credit if they didn't care. Seriously, how does a bank stay in business that can't get back with a customer?
C. B.
Aug 09, 2018
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The most incompetent banking institution around. I've been here for over 15 years, however the past year has been terrible! No one knows what they're talking about and you will have to go to the actual bank 6 different times and call 4 different people before anything actually happens. From mortgage, to closing a 6 month certificate, to taking over 6 months to get a halfway usable debit card, a nightmare for everything. Do not bother, go somewhere else!
Ethan M.
Jun 26, 2018
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Avoid banking or loans with A+ FCU, unless you like paying fees for everything. By everything, I mean everything. Make a payment, pay a fee. Look at them wrong, pay a fee. Try to do basic banking, pay a fee.
They are just trying to get a quick buck off their members. The low interest you may be offered will quickly get swamp and overshadowed with fees.
They are just trying to get a quick buck off their members. The low interest you may be offered will quickly get swamp and overshadowed with fees.
Chris C.
Jul 23, 2017
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Went to purchase some flooring, in the range of $800. I was declined, despite my having considerably more than that in my account. We'd only made two other purchases the same day, more than an hour earlier, both totaling less than $100, both from a grocery store. These are not odd purchases, I wasn't buying thousands of dollars worth of electronic equipment, or from 5-6 different stores all within a 30 minute period of time. It was Home Freaking Depot and HEB. No one called to confirm and then cleared it, and as it was outside of business hours, there's no one to call. Every
Allen P.
Apr 06, 2017
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This is the worst bank/credit union I have ever done business with. They literally ask you 20 "security" questions when you call in. I refinanced a car loan with this company 3 years ago because of a low interest rate. I have spoken with them 4 times during that period, usually asking for the current payoff. Here are a few of the questions they ask each time, what was the name of the original company you obtained the loan through, what is the original amount financed, how many payments have been made, what is your interest rate, what insurance company did you originally use before the
