Top Sites>A+ Federal Credit Union - Award-Winning Texas Credit Union

User-agent: *
Disallow: /wp-admin/
Allow: /wp-admin/admin-ajax.php
Crawl-delay: 10

Sitemap: https://aplusfcu.org/sitemap.xml
Sitemap: https://aplusfcu.org/sitemap.rss

Generated by All in One SEO Pro v4.9.6.2, this is an llms.txt file, used by LLMs to index the site.

# A+ Federal Credit Union

Award-Winning Texas Credit Union

## Sitemaps

- [XML Sitemap](https://aplusfcu.org/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [How Long Should I Keep My Bank Statements and Financial Documents?](https://aplusfcu.org/blog/keep-or-toss-how-long-should-i-hang-onto-my-financial-documents) - Learn how long to keep bank statements to ensure you have the necessary financial, tax, and legal documentation. Discover recommended retention periods and best practices for managing your financial records.
- [How Does Paying Back A HELOC Work?](https://aplusfcu.org/blog/how-does-paying-back-a-heloc-work) - Understand HELOC repayment, what happens after payoff, and key Texas regulations before borrowing against your home’s equity.
- [Want To Teach Your Kids About Money? Start With These 6 Simple Lessons](https://aplusfcu.org/blog/6-powerful-money-lessons-for-kids) - With influences by the media, friends, and other sources, it’s important for parents to guide children toward favorable money habits.
- [16 Months Of Financial Tips](https://aplusfcu.org/blog/16-months-of-financial-tips) - Use these monthly financial tips to break down your top financial tasks and to-dos and get on the right path to being financially healthy.
- [5 Good Uses For Your Tax Refund](https://aplusfcu.org/blog/5-good-uses-for-your-tax-return) - Are you expecting a tax refund? We’re sharing five ideas on how to make your money work for you.
- [How To Apply For A Personal Loan At A Credit Union](https://aplusfcu.org/blog/how-to-apply-for-a-personal-loan-at-a-credit-union) - Learn how to apply for a personal loan at a credit union, what documents you need, and why it may be a better option than a traditional bank.
- [Car Loan Interest Rates In Texas: What To Expect](https://aplusfcu.org/blog/car-loan-interest-rates-in-texas-what-to-expect) - Preparing to purchase a vehicle? Explore how Texas auto loan rates work, what affects your interest rate, and how to secure competitive financing.
- [HELOC Or Personal Loan In Texas: Which Borrowing Option Fits You Best?](https://aplusfcu.org/blog/heloc-or-personal-loan-in-texas-which-borrowing-option-fits-you-best) - Trying to choose between a HELOC and a personal loan in Texas? Compare rates, risks, and regulations before applying.
- [Getting Pre-Approved For A Car In Texas: What You Need To Know](https://aplusfcu.org/blog/getting-pre-approved-for-a-car-in-texas-what-you-need-to-know) - Learn what getting pre-approved for a car in Texas means, why it’s important, how to apply, and tips to improve your chances of loan approval.
- [What Impacts Your Auto Loan Approval? Loan-To-Value, Debt-to-Income, & Key Factors Explained](https://aplusfcu.org/blog/what-impacts-your-auto-loan-approval-loan-to-value-debt-to-income-key-factors-explained) - Preparing to finance a vehicle? Learn about what lenders consider so you can apply with confidence and avoid surprises.
- [How To Protect Personal Information Online: Tips From A Credit Union](https://aplusfcu.org/blog/how-to-protect-personal-information-online-tips-from-a-credit-union) - Learn how to protect your personal information online with tips from A+FCU. Avoid scams, spot threats, and stay safe online.
- [Thank You For A Successful 2025](https://aplusfcu.org/blog/thank-you-for-a-successful-2025) - We’re grateful for our members who continue to help strengthen our credit union.
- [4 Ways To Make The Most Of Your Budget For Valentine’s Day](https://aplusfcu.org/blog/make-the-most-of-valentines-day-with-these-4-ways-to-save) - Like most holidays, Valentine’s Day can be expensive. Find out how you can show your special someone you care without breaking the bank.
- [Avoid Tax-Related ID Theft This Tax Season](https://aplusfcu.org/blog/avoid-becoming-a-tax-related-identity-theft-victim) - See what preventative measures you can take at tax time to avoid becoming victim of tax-related identity theft.
- [Take Advantage Of These 5 Member Benefits](https://aplusfcu.org/blog/take-advantage-of-these-5-member-benefits) - A+FCU is more than just basic accounts. Here are five ways you can benefit as a member and think of us first for all your financial needs.
- [A+FCU Volunteers Over 1,500 Hours During Fourth Annual A+ Gives Day](https://aplusfcu.org/blog/afcu-volunteers-over-1500-hours-during-fourth-annual-a-gives-day) - A+FCU hosted its annual A+ Gives Day in which team members volunteered at organizations throughout the Central Texas community and beyond.
- [How Soon Can I Refinance My Car Loan In Texas?](https://aplusfcu.org/blog/how-soon-can-i-refinance-my-car-loan-in-texas) - Refinancing your car loan can help you save, but timing matters – especially in Texas. Learn how soon you can refinance and what to consider before getting started.
- [Charitable Donation Scams](https://aplusfcu.org/blog/charitable-donation-scams) - Making a charitable donation starts with good intent, but scammers are looking to take advantage of those least suspecting it. Here’s what to look for before donating.
- [Merry Money Tips: 12 Ways To Save This Season](https://aplusfcu.org/blog/top-12-holiday-spending-tips) - It’s the most wonderful time of the year which means it’s time to tackle holiday shopping. Use these twelve spending tips to save.
- [Holiday Budget Worksheet: Keep Your Finances On Track This Season](https://aplusfcu.org/blog/holiday-budget-worksheet) - Manage your holiday finances with our Holiday Budget Worksheet to help you plan gifts, travel, food, decor, and more so you can stay organized all season long.
- [How Do Personal Loans Work?](https://aplusfcu.org/blog/how-do-personal-loans-work) - Are you interested in a personal loan, but not sure how they work? Learn what you need to know about applying for and getting a personal loan.
- [House Hunting 101: How To Find The Perfect Neighborhood](https://aplusfcu.org/blog/house-hunting-101-how-to-find-the-perfect-neighborhood) - When shopping for the right home, you’re also shopping for the right neighborhood. Keep these considerations in mind while house hunting.
- [What To Do If Your Income Is Reduced](https://aplusfcu.org/blog/what-to-do-if-your-income-is-reduced) - When your income drops, every financial choice matters. From trimming spending to exploring safer borrowing options, these tips can help you navigate difficult times.
- [HSA vs Copay Plan: Which Plan Works Better For You?](https://aplusfcu.org/blog/hsa-vs-copay-which-plan-works-better-for-you) - With so many options, shopping for the right health insurance plan can be stressful. Explore these tips to determine whether an HSA or copay plan is better for your needs.
- [Are Share Certificates Worth It?](https://aplusfcu.org/blog/are-share-certificates-worth-it) - When looking into ways to grow their money, many people wonder, “Are share certificates worth it?” Learn more about how share certificates can help you earn more on your savings.
- [Host Thanksgiving Without Burning Your Budget](https://aplusfcu.org/blog/host-thanksgiving-without-burning-your-budget) - Creating a memorable gathering doesn’t have to break the bank. Here are some simple tips on how to plan ahead and save money.
- [Carve Out Savings This Halloween](https://aplusfcu.org/blog/carve-savings-halloween) - Expenses have a way of creeping up this time of year. Avoid getting tricked into spending more and stay safe with these tips.
- [A+FCU Recognized For Best Mobile Banking App In North America](https://aplusfcu.org/blog/afcu-recognized-for-best-mobile-banking-app-in-north-america) - We’re honored to announce the A+ Mobile App has been recognized as the Best Mobile Banking App in Global Finance’s 2025 World’s Best of Digital Banking awards.
- [What To Do If You Have A Reduced Income](https://aplusfcu.org/blog/what-to-do-if-you-have-a-reduced-income) - Planning is the key to surviving a time when a paycheck is on hold. Here are three ways you can cut back on costs.
- [A+FCU Wins Austin Gives Generous Business Award – Community Leadership From Austin Chamber](https://aplusfcu.org/blog/afcu-wins-austin-gives-generous-business-award-community-leadership-from-austin-chamber) - We’re honored to be recognized as the winner of the Austin Gives Generous Business Award in the Community Leader category.
- [A+FCU Wins Nine Austin Community's Choice Awards](https://aplusfcu.org/blog/afcu-wins-nine-austin-communitys-choice-awards) - We’re thrilled to have won nine Austin Community’s Choice awards as voted by the community.
- [The Scoop On The Pros & Cons Of Leasing](https://aplusfcu.org/blog/the-scoop-on-the-pros-and-cons-of-leasing) - Here are a few things to consider as you decide whether to lease or buy a vehicle.
- [7 Tricks To Stay On Budget](https://aplusfcu.org/blog/7-tricks-to-staying-on-budget) - Need help managing your finances? We’re sharing our tips to help you better plan and track your spending so you can stick to your budget.
- [How Scammers Use Social Engineering To Steal Money](https://aplusfcu.org/blog/how-scammers-use-social-engineering-to-steal-money) - Pretexting, baiting, phishing – all social engineering scams that can persuade you to act on impulse. Here are some tips on how to avoid falling for these tactics.
- [Vote Daily For Community Organizations To Receive A+ Gives Day $10,000 Donation](https://aplusfcu.org/blog/vote-daily-for-community-organizations-to-receive-a-gives-day-10000-donation) - Vote daily to determine which five deserving local organizations will each receive a $2,000 donation on A+ Gives Day.
- [Your Guide To Buy Now, Pay Later Apps](https://aplusfcu.org/blog/your-guide-to-buy-now-pay-later-apps) - Buy Now, Pay Later (BNPL) options have quickly emerged in the retail space. Find out what you need to know about this checkout option.
- [Essential Questions For Loans: What To Ask Before Borrowing](https://aplusfcu.org/blog/essential-questions-for-loans-what-to-ask-before-borrowing) - It’s important to be aware of a loan’s ins and outs before accepting it. Use these key questions for loans to help you understand and compare your options.
- [How Much Equity Do You Need To Refinance?](https://aplusfcu.org/blog/how-much-equity-do-you-need-to-refinance) - Learn how much equity is needed to refinance, explore loan options, and understand key requirements to make the best mortgage refinancing decision.
- [Paper Checks Eliminated – Why Government Check Recipients Need To Act Now](https://aplusfcu.org/blog/paper-checks-eliminated-why-government-check-recipients-need-to-act-now) - The federal government will soon eliminate paper checks for most federal payments. If you’re impacted, act now for a seamless transition.
- [Personal Line Of Credit Versus Personal Loan: Which Is Better?](https://aplusfcu.org/blog/personal-line-of-credit-versus-personal-loan-which-is-better) - Personal line of credit vs personal loan – compare options to find the best fit by reviewing their differences, pros, and cons.
- [How To Use A Home Equity Line Of Credit (HELOC)](https://aplusfcu.org/blog/how-to-use-a-home-equity-line-of-credit-heloc) - Learn how a HELOC works, what you can use it for, and what to consider before borrowing against your home’s equity.
- [Texas Students Awarded $120,000 In Scholarships From A+ Federal Credit Union](https://aplusfcu.org/blog/texas-students-awarded-120000-in-scholarships-from-a-federal-credit-union) - The A+FCU Board of Directors awarded 60 high school and college students with $120,000 in scholarships.
- [9 Ways To Master Your Money](https://aplusfcu.org/blog/9-ways-to-master-your-money) - Ready to be a master of your finances? Use these 9 tips to help boost your financial standing.
- [Back-To-School Shopping & Budgeting](https://aplusfcu.org/blog/back-school-shopping-budgeting) - Use back-to-school shopping to help teach your kids about budgeting and distinguishing between needs and wants.
- [Adjustable-Rate Mortgage: What Is It & How Does It Work?](https://aplusfcu.org/blog/adjustable-rate-mortgage-what-is-it-how-does-it-work) - Learn how an Adjustable-Rate Mortgage works, what makes it different from a fixed-rate mortgage, and when it could be a smart choice for your financial goals.
- [How Do Fixed- & Adjustable-Rate Mortgages Compare?](https://aplusfcu.org/blog/understanding-mortgage-options) - Mortgages come in all different shapes and sizes with different terms, conditions, benefits, and more. Here we compare fixed- and adjustable-rate mortgages and the pros and cons for each.
- [Protect Your Finances Checklist](https://aplusfcu.org/blog/protect-your-finances-checklist) - Always be on high alert for fraud. Better protect your finances with these recommended steps and free services available to A+FCU members.
- [A+ Education Foundation Awards Over $84,475 In Grants To 63 Area Educators](https://aplusfcu.org/blog/a-education-foundation-awards-over-84475-in-grants-to-63-area-educators) - The A+ Education Foundation continues its commitment to education by awarding over $84,475 in grants to 63 Central Texas educators.
- [Simple Tips For Protecting Your Parents From Financial Fraud](https://aplusfcu.org/blog/simple-tips-for-protecting-your-parents-from-financial-fraud) - Older victims of fraud tend to lose significantly more money. Use these tips to talk to your parents about keeping their finances safe.
- [Holidays In July: Start Your Planning](https://aplusfcu.org/blog/holidays-in-july-start-your-planning) - It’s never too early to start preparing your finances for the holiday season. Avoid overspending and acquiring debt with these planning tips.
- [What Is A Cash-Out Refinance? What To Know](https://aplusfcu.org/blog/what-is-a-cash-out-refinance-what-to-know) - Thinking about tapping into your home’s equity and wondering, “What is a cash-out refinance?” Learn more about cash-out refinances and their benefits!
- [How To Protect Yourself Against Digital Fraud](https://aplusfcu.org/blog/how-to-protect-yourself-against-digital-fraud) - Be alert to scams and learn what to look for when dealing with digital predators. Learn more about protecting yourself against digital fraud!
- [4 Financial Steps To Take After A Natural Disaster](https://aplusfcu.org/blog/4-financial-steps-take-natural-disaster) - As your credit union, we’re always here to help if you need assistance. Here are four financial steps to take after a natural disaster.
- [Lifestyle Creep: What Is It & How Can You Avoid It](https://aplusfcu.org/blog/lifestyle-creep-what-is-it-how-can-you-avoid-it) - Lifestyle creep quietly drains the progress from your rising income. Learn how to avoid it and take control of your finances with these tips.
- [11 Ways To Live More Energy-Efficient](https://aplusfcu.org/blog/11-ways-to-live-more-energy-efficient) - Living green can include making big or small changes to your lifestyle. Save the environment – and your wallet – with these tips to live more energy-efficient.
- [Beware Rental Scams](https://aplusfcu.org/blog/beware-rental-scams) - Beware of the seemingly perfect rental – it could be a scam. Before you hand over your money, watch out for the warning signs of common rental scams.
- [Preparing For Student Loan Repayment](https://aplusfcu.org/blog/preparing-for-student-loan-repayment) - Student loan payments restart October 1, 2023. Are you ready to add these payments back into your budget? Prepare using these helpful tips.
- [Gen Z Fraud: Tips For Fighting It](https://aplusfcu.org/blog/gen-z-fraud-tips-for-fighting-it) - Gen Z fraud is on the rise. Learn why Gen Zers are prime targets for scams, common fraud tactics, and tips to stay safe online. Protect yourself today!
- [Simple Ways For Renters To Reduce Energy Bills](https://aplusfcu.org/blog/simple-ways-for-renters-to-reduce-energy-bills) - Just because you’re a renter doesn’t mean an energy efficient home is out of reach. Here are steps you can take to reduce your energy use.
- [7 Common Phishing Scams To Avoid](https://aplusfcu.org/blog/7-common-phishing-scams-avoid) - Avoiding scams isn’t always as simple as ignoring an email, call, or text. Be aware of the tactics used for these common phishing scams.
- [What Is Smishing?](https://aplusfcu.org/blog/what-is-smishing) - Smishing is SMS phishing used to steal personal data. Learn how it works, common scams, and tips to protect yourself from text message fraud.
- [What To Do After Identity Theft: A Checklist](https://aplusfcu.org/blog/what-to-do-after-identity-theft-a-checklist) - Wondering what to do after identity theft? If your personal information has been stolen, use this checklist to take quick action and make the recovery process smoother.
- [Tidy Up, Cash In: Spring Clean Your Way To Extra Green](https://aplusfcu.org/blog/tidy-up-cash-in-spring-clean-your-way-to-extra-green) - Discover a few ways you can earn a little extra cash just by cleaning and maintaining your home!
- [Personal Finance Topics All High School Students Should Know](https://aplusfcu.org/blog/personal-finance-topics-all-high-school-students-should-know) - Teach teenagers these four life skills before they head off into the adult world.
- [Go Green: Environmentally-Friendly Banking](https://aplusfcu.org/blog/go-green-environmentally-friendly-banking) - Did you know you can make more eco-friendly choices in the way you bank? Check out how A+FCU can help you live more green.
- [Using Debit Card Fraud Text Alerts](https://aplusfcu.org/blog/debit-card-fraud-text-alerts) - Enroll in the Fraud Text Alert service to receive text notification of potential fraud on your A+FCU debit card and keep your funds safe.
- [4 Pitfalls To Avoid With Kids](https://aplusfcu.org/blog/4-pitfalls-to-avoid-with-kids) - What message are you unintentionally sending to your kids about money? Discover four money behaviors that are giving the wrong impression.
- [Understanding & Preventing Synthetic Identity Theft](https://aplusfcu.org/blog/understanding-preventing-synthetic-identity-theft) - Technology advancements have given scammers a new way to carry out identity theft that can affect a wide range of individuals. Learn more about synthetic identity theft.
- [How To Spot Fraud: Key Signs of a Scam](https://aplusfcu.org/blog/how-to-spot-fraud-key-signs-of-a-scam) - Fraudsters are always coming up with new ways to trick people, but by knowing the signs of a scam, you can keep your money and personal information safe.
- [Helpful How-To: Teaching Kids About Money](https://aplusfcu.org/blog/helpful-how-to-on-teaching-kids-about-money) - Not sure where to start when teaching your kids about money? Try these day-to-day activities to get them involved.
- [What Are Mortgage Points? An Easy-To-Understand Guide](https://aplusfcu.org/blog/what-are-mortgage-points-an-easy-to-understand-guide) - Many future homebuyers wonder, "What are mortgage points?" Find out how mortgage points work and how to use them to lower your monthly payment.
- [What To Know About A 15- vs 30-Year Mortgage](https://aplusfcu.org/blog/what-to-know-about-a-15-vs-30-year-mortgage) - Want to know if a 15- or 30-year mortgage would work best for you? Learn about the differences between these loans.
- [Important Steps To Buying A Home](https://aplusfcu.org/blog/important-steps-to-buying-a-home) - Don’t let the stress of buying a home keep you from being a homeowner. Use our step-by-step approach to prepare and buy the right home for you.
- [Understanding Your Loan Estimate](https://aplusfcu.org/blog/understanding-your-loan-estimate) - In the market to buy a home? Understanding your loan estimate helps you learn the ins and outs of the loan you're getting.
- [Final Steps In The Homebuying Process](https://aplusfcu.org/blog/final-steps-of-the-home-buying-process) - Learn what you can expect during the inspection and closing process when buying your new home.
- [Why Reviewing Your Credit Report Regularly Is Key](https://aplusfcu.org/blog/why-reviewing-your-credit-report-regularly-is-key) - Credit reports influence your credit score and can help you spot identity theft red flags. Learn more on why reviewing your credit report regularly is key.
- [Avoid These Tax Blunders](https://aplusfcu.org/blog/avoid-these-tax-blunders) - While most tax mistakes can be corrected, it’s easier to get things right the first time. Follow these tips to avoid costly errors.
- [Budget-Friendly Ways To Boost Your Home’s Curb Appeal](https://aplusfcu.org/blog/budget-friendly-ways-to-boost-your-homes-curb-appeal) - If you’re planning to sell your home, here are some small, easy-to-do projects to boost your home’s curb appeal.
- [How To Outsmart Sophisticated Phishing Scams](https://aplusfcu.org/blog/how-to-outsmart-sophisticated-phishing-scams) - Can you spot a phishing email, text, or phone call? Stay on top of the latest tips for identifying phishing to protect your money and personal info from scammers.
- [Benefits Of A Credit Union](https://aplusfcu.org/blog/benefits-of-a-credit-union) - Interested in discovering the advantages of joining a credit union? Explore all the benefits of becoming a member of your local credit union today.
- [5 Tips For Finding The Perfect Home](https://aplusfcu.org/blog/5-tips-for-finding-the-perfect-home) - Ready to find your perfect home? Getting a head start by doing some legwork early on can make finding your dream home simpler.
- [Stop Wasting Money On These Things... NOW!](https://aplusfcu.org/blog/stop-wasting-money-on-these-things-now) - Are you aware of where every dollar you spend goes? Help cut back on your spending and stop wasting money with these tips.
- [Creative Ways To Cut The Cost Of Homeowners Insurance](https://aplusfcu.org/blog/creative-ways-to-cut-the-cost-of-homeowners-insurance) - The rising cost of homeowners insurance can feel overwhelming – here are some tips to help stay on budget.
- [Can You Open A Checking Account Online?](https://aplusfcu.org/blog/can-you-open-a-checking-account-online) - You can do almost anything online these days, but can you open a checking account online? Learn how to get started with online banking.
- [HELOC Versus Home Equity Loan: What’s Best?](https://aplusfcu.org/blog/heloc-versus-home-equity-loan-whats-best) - Do you wonder whether a HELOC or a home equity loan will work best for you? Learn about the advantages and disadvantages of each of these loans.
- [3 Reasons To File Your Taxes ASAP](https://aplusfcu.org/blog/3-reasons-to-file-your-taxes-asap) - Tax season has begun and if your tax documents aren’t available yet, they will be soon! File ASAP to avoid these additional stressors.
- [Thank You For A Successful 2024](https://aplusfcu.org/blog/thank-you-for-a-successful-2024) - We’re grateful for our members who continue to help strengthen our credit union.
- [9 Things You May Be Paying Too Much For](https://aplusfcu.org/blog/9-things-you-may-be-paying-too-much-for) - Are there expenses that you could cut back on? Here are some key areas where you might be overspending and ways to spot potential savings.
- [How Much Are Closing Costs On A Home?](https://aplusfcu.org/blog/how-much-are-closing-costs-on-a-home) - Are you ready to buy a home, but you're not sure what you should expect financially? Learn how much you may need to pay in closing costs.
- [Beginner's Guide To Solar Power](https://aplusfcu.org/blog/beginners-guide-to-solar-power) - Solar power technology can seem complex. That’s why we’ve put together this beginner’s guide to solar panels.
- [How Does A Home Equity Loan Work?](https://aplusfcu.org/blog/how-does-a-home-equity-loan-work) - Are you exploring loan options and want to know how home equity loans work? Learn about whether this loan is right for you.
- [Money-Smart Travel: Save Now, Live It Up Later](https://aplusfcu.org/blog/money-smart-travel-save-now-live-it-up-later) - Ready to plan your next vacation? Use these tips to plan your budget and build your savings now so you can focus on having fun later.
- [What Are My Options For Taking Equity Out Of My Home?](https://aplusfcu.org/blog/what-are-my-options-for-taking-equity-out-of-my-home) - Learn how taking equity out of a home through a Cash-Out Refinance, Home Equity Loan, and HELOC works and if any of these options fit your needs.
- [Mortgage Pre-Qualification Versus Pre-Approval: What To Know](https://aplusfcu.org/blog/mortgage-pre-qualification-versus-pre-approval-what-to-know) - Are you thinking of purchasing a home? Understand the difference between mortgage pre-qualifications versus pre-approvals and their role in buying a home.
- [How To Elevate Your Finances With Free Confidential Coaching](https://aplusfcu.org/blog/how-to-elevate-your-finances-with-free-confidential-coaching) - Find out how a financial counselor can help you with an array of financial matters.
- [How To Tackle Debt In The New Year](https://aplusfcu.org/blog/how-to-tackle-debt-in-the-new-year) - Are you looking trying to pay off debt? Use these tips to help start your new year with good habits to help you reach your goals.
- [6 Steps To Reinvent Your Budget Using The 50/30/20 Rule](https://aplusfcu.org/blog/6-steps-to-reinvent-your-budgeting-using-the-50-30-20-rule) - Don’t know where to start when it comes to budgeting? Take these steps to create a budget you can stick to and that best fits your needs.
- [What Are Payroll Deduction Loans?](https://aplusfcu.org/blog/what-are-payroll-deduction-loans) - Has an unexpected expense made you wonder, "what are payroll deduction loans?" Find out what options might be best for you.
- [Top 10 Tips To Reduce Your Electricity Bill](https://aplusfcu.org/blog/top-10-tips-to-reduce-your-electricity-bill) - Saving money on your electricity bill is good not only for your wallet but also the environment. Try these tips to get started!
- [5 Ways To Save For A Mortgage Down Payment](https://aplusfcu.org/blog/5-ways-to-save-for-a-mortgage-down-payment) - Ready to buy a home but looking for the funds to do so? Here are some tips and tricks to save the 20% you’ll need when the time comes.
- [Top 10 Holiday Scams](https://aplusfcu.org/blog/top-10-holiday-scams) - Our best line of defense is to recognize a scam before it strikes. Learn the most common types of scams to watch out for this holiday season.
- [The Ultimate Quick-Reference Guide To Homeowners Insurance Coverages](https://aplusfcu.org/blog/ultimate-quick-reference-guide-homeowners-insurance-coverages) - Follow this easy guide to understand options for protecting your home from damage.
- [Holiday Gift List](https://aplusfcu.org/blog/holiday-gift-list) - Gifts tend to be where people spend a lot. Aim to score great deals on gifts everyone will love by using our Holiday Gift List.
- [Good Cheer Begins With A Holiday Spending Plan](https://aplusfcu.org/blog/good-cheer-begins-holiday-saving-plan) - Spread good cheer this holiday season by creating a spending plan and making arrangements to stay on track and avoid going over budget.
- [Second Annual A+ Gives Day - A+FCU Provides Over 1,776 Volunteer Hours](https://aplusfcu.org/blog/afcu-volunteers-over-1775-hours-during-second-annual-a-gives-day) - A+ Gives Day is the annual volunteer day where the A+ Team graciously give their time to organizations and communities throughout the Central Texas region.
- [Online Ticket Sales Scams](https://aplusfcu.org/blog/online-ticket-sales-scams) - Looking for event tickets? Learn how to identify scams before handing over your money.
- [How To Minimize Debt This Holiday Season](https://aplusfcu.org/blog/how-to-minimize-debt-this-holiday-season) - Will you be naughty or nice when it comes to holiday shopping? Follow these suggestions to avoid piling on additional debt this season.
- [What's A Good Age To Open A Checking Account?](https://aplusfcu.org/blog/whats-a-good-age-to-open-a-checking-account) - Are you trying to decide the best age to open a checking account for your child? Here are some considerations and tips.
- [Help Kids Build Money Skills With These Budgeting Concepts](https://aplusfcu.org/blog/help-kids-build-money-skills-with-these-budgeting-concepts) - Explore how you can help motivate kids to learn budgeting concepts and set them up for future financial success.
- [5 Tips For Safer Shopping For The Holidays](https://aplusfcu.org/blog/5-tips-safer-shopping-holidays) - The holiday season shouldn’t be a time to worry about fraud, identity theft, or blowing budgets. Use these five tips for safer shopping.
- [A+FCU Volunteers Over 1,610 Hours During Third Annual A+ Gives Day](https://aplusfcu.org/blog/afcu-volunteers-over-1610-hours-during-third-annual-a-gives-day) - A+FCU hosted its annual A+ Gives Day in which team members volunteered at organizations throughout the Central Texas community and beyond.
- [A Kid’s Guide To Making Money](https://aplusfcu.org/blog/making-money) - Raising money-smart kids begins with teaching them how money is earned. Start small by teaching them the different ways they could be paid.
- [How To Fit Student Loan Payments With Your Financial Goals](https://aplusfcu.org/blog/how-to-fit-student-loan-payments-with-your-financial-goals) - Don’t let student loan payments overwhelm your budget. Reach your financial goals with these budgeting tips.
- [Buying A Home: 4 Ways To Plan Ahead](https://aplusfcu.org/blog/plan-ahead-for-home-ownership) - Dream of buying and owning a home one day? Use these tips to successfully plan for the future and save money.
- [Can You Add Money To A Share Certificate?](https://aplusfcu.org/blog/can-you-add-money-to-a-share-certificate) - Can you add money to a share certificate? Learn everything you need to know about these high-yield, low-risk investments.
- [How Do Share Certificates Work?](https://aplusfcu.org/blog/how-do-share-certificates-work) - Are you interested in earning higher returns than a traditional savings account offers? Learn how share certificates work and if they're a good fit for you.
- [25 Expense-Reducing Tips](https://aplusfcu.org/blog/25-expense-reducing-tips) - Managing finances sounds more daunting than it has to be, but with just a few tweaks to your spending habits you can save on monthly expenses. Try these cost-cutting tips.
- [Develop Your Holiday Spending Plan](https://aplusfcu.org/blog/develop-holiday-spending-plan) - The holiday season is here – is your budget set? Read our blog for best tips on planning your holiday spending.
- [Personal Loan Requirements To Know Before Applying](https://aplusfcu.org/blog/personal-loan-requirements-to-know-before-applying) - Are you dealing with an unexpected expense? Learn more about personal loan requirements and whether it makes sense for you.
- [What Are Common Payroll Deductions?](https://aplusfcu.org/blog/what-are-common-payroll-deductions) - Did you know you can set up voluntary withholdings for things like childcare? Learn more about common payroll deductions.
- [Cut Vacation Costs Without Cutting Fun](https://aplusfcu.org/blog/cut-vacation-costs-without-cutting-fun) - Need a getaway that doesn't break the bank? Plan your next trip with these tips to help cut cost while adding more fun!
- [Costly Mistakes Shoppers Make (And How To Avoid Them)](https://aplusfcu.org/blog/costly-mistakes-shoppers-make-and-how-to-avoid-them) - Shopping – either for needs or wants – is likely something you do frequently. Be aware of these six costly errors and how to avoid them.
- [A+FCU Wins Seven Austin Community’s Choice Awards](https://aplusfcu.org/blog/afcu-wins-seven-austin-communitys-choice-awards) - We’re thrilled to have won seven Austin Community’s Choice awards as voted by the community.
- [Share Certificate vs. CD: What’s The Difference?](https://aplusfcu.org/blog/share-certificate-vs-cd-whats-the-difference) - Learn the similarities and differences between a share certificate and a certificate of deposit so you can make an informed decision about your finances.
- [7 Tips For Slashing Your Grocery Bill](https://aplusfcu.org/blog/7-tips-for-slashing-your-grocery-bill) - Looking for ways to save at the grocery store? Check out these tips for getting what you need without overspending.
- [3 Reasons You Should Always Pay More Than The Minimum](https://aplusfcu.org/blog/three-reasons-why-you-should-always-pay-more-than-the-minimum) - Paying more than the minimum on your credit card reduces interest costs, speeds up debt repayment, and improves your credit score. Learn why it’s beneficial.
- [3 Unique Ways To Use A Home Equity Loan](https://aplusfcu.org/blog/3-unique-ways-to-use-a-home-equity-loan) - Home equity loans can be used for just about anything. Learn about three unique ways you can use your loan to better your life and fund your ideas.
- [Investing In Rental Properties To Supplement Your Retirement Income](https://aplusfcu.org/blog/investing-in-rental-properties-to-supplement-your-retirement-income) - Buying a rental property involves both effort and financial commitment. Here are a few factors to consider when determining if it’s the right choice for you.
- [What Are The Benefits Of Online Banking?](https://aplusfcu.org/blog/what-are-the-benefits-of-online-banking) - Everything has an online presence these days — even your credit union! Learn all the benefits of online banking.
- [Adulting 101: How To Create Your First Budget](https://aplusfcu.org/blog/adulting-101-how-to-create-your-first-budget) - Learning to manage money on your own can seem overwhelming. Here are step-by-step tips to help you create your first budget.
- [Examples Of Employee Benefits](https://aplusfcu.org/blog/examples-of-employee-benefits) - Having access to a complete benefits package is a large part of why employees choose to stay with companies. Here are some examples of employee benefits.
- [Your Guide To Secure Online Banking](https://aplusfcu.org/blog/your-guide-to-secure-online-banking) - Do you enjoy the convenience of banking on the go? Keep your information safe by following these tips for secure online banking.
- [7 Money Saving Tips For College Students](https://aplusfcu.org/blog/7-money-saving-tips-for-college-freshmen) - Not sure how to hold on to your savings while in school? Here are seven ways you can avoid losing all your money as a college freshman.
- [Online Marketplace Scams](https://aplusfcu.org/blog/online-marketplace-scams) - Browsing an online marketplace for new or used items? Beware of these popular scams and get tips on how to avoid becoming a victim.
- [Easy Ways To Automate Your Savings](https://aplusfcu.org/blog/easy-ways-to-automate-your-savings) - Are you stressed about your finances? Learn how technology can automate your savings and expenses and get you closer to your financial goals.
- [How To Complete A Financial Check-In](https://aplusfcu.org/blog/how-to-complete-financial-check-in) - A financial health check-in is just as important as a physical. Learn how to gauge your financial health.
- [Maintaining Your Home After Purchase](https://aplusfcu.org/blog/maintaining-your-home-after-purchase) - Regular maintenance can take time, planning, and money, but it can help you to save on unexpected repair costs and keep the value of your home up.
- [Checking Versus Savings Accounts](https://aplusfcu.org/blog/checking-versus-savings-accounts) - Want to learn more about your options when it comes to your money? Take a look at these differences between a checking and savings account.
- [A+ Education Foundation Awards Over $108,400 In Grants To 87 Area Educators](https://aplusfcu.org/blog/a-education-foundation-awards-over-108400-in-grants-to-87-area-educators) - The A+ Education Foundation continues its commitment to education by awarding over $108,400 in grants to 87 Central Texas educators.
- [5 Ways To Renovate Your Home For Less](https://aplusfcu.org/blog/5-ways-to-renovate-your-home-for-less) - Stuck in a home décor and renovation rut? Update your home with these simple ideas and stay on budget while also saving time.
- [Better Alternatives To Payday Loans](https://aplusfcu.org/blog/better-alternatives-to-payday-loans) - Stuck in a money rut and need some help? Try these stress-free alternatives to payday loans that actually save you money.
- [Reasons To Keep Your Business & Personal Finances Separate](https://aplusfcu.org/blog/reasons-to-keep-your-business-and-personal-finances-separate) - Learn why treating your business as a separate entity should be your top priority when managing your money.
- [How Much Home Can You Afford?](https://aplusfcu.org/blog/how-much-home-can-you-afford) - Can you afford your dream home? Use these tips while home shopping to help avoid overextending yourself once you've purchased your home.
- [Fun Family Activities for When You're Stuck Indoors](https://aplusfcu.org/blog/fun-family-activities-for-when-youre-stuck-indoors) - When your family has to stay inside for days, weeks, or even longer periods of time—boredom can set in quickly.
- [Card Cracking: 7 Steps To Thousands In Debt & Criminal Charges](https://aplusfcu.org/blog/card-cracking-7-steps-thousands-debt-criminal-charges) - Card Cracking is a type of account fraud that's increasing in frequency. It’s a problem that tends to impact college students, young adults, & military.
- [Paying Yourself First](https://aplusfcu.org/blog/paying-yourself-first) - Do you wish you were better at saving money? Here’s a simple saving strategy to help you get started.
- [How to Monitor Financial Progress](https://aplusfcu.org/blog/how-to-monitor-financial-progress) - Financial progress can take shape in many ways. Here are three questions to ask yourself to check in and see where you are.
- [6 Ways to Simplify Your Finances](https://aplusfcu.org/blog/6-ways-simplify-finances) - Stressing out over your finances? Learn how to organize them to make your life simpler and easier, and gain financial confidence.
- [The New Psychology of Spending: Making A Move From Maximizing To Minimizing](https://aplusfcu.org/blog/the-new-psychology-of-spending-making-a-move-from-maximizing-to-minimizing) - Traditionally, minimalist approaches apply to cutting down the clutter from our homes, personal lives, and diets – and now finances.
- [Countdown to Repayment: How College Students Should Prepare for Their Student Loans](https://aplusfcu.org/blog/countdown-to-repayment-how-college-students-should-prepare-for-their-student-loans) - As graduation season comes to a close, it’s time to start paying those dreaded student loans. Make the experience less stressful with these tips.
- [What’s The Best Card To Use?](https://aplusfcu.org/blog/whats-the-best-card-to-use) - Even though each option represents a way to access basically the same thing (your money), it pays to be smart about when to use each payment type and to understand the differences between them.
- [Card Skimming: Avoid Becoming a Victim](https://aplusfcu.org/blog/card-skimming-avoid-becoming-victim) - Card skimming cases are on the rise. Stolen information may then be used to conduct fraudulent transactions. Avoid becoming a victim with these tips.
- [5 Money-Smart Things To Do Before Going To College](https://aplusfcu.org/blog/5-money-smart-things-to-do-before-going-to-college) - Heading to college? These five money-smart steps can help you ease through the transition and gain greater independence.
- [College Students: Earn Extra Money With These Tips](https://aplusfcu.org/blog/college-students-earn-extra-money-with-these-tips) - Check out these tips for ways college students can use their time and talents to make money without actually getting a job.
- [Find The Value Of Your Home](https://aplusfcu.org/blog/find-the-value-of-your-home) - Thinking of selling your home? Learn the best ways to estimate the property value and determine a good selling price.
- [Retirement Strategies By The Decade](https://aplusfcu.org/blog/retirement-strategies-by-the-decade) - Saving for retirement should start early. Take advantage of these strategies to ensure you’re on the right track.
- [Four Smart Tips for Your Small Business Budget](https://aplusfcu.org/blog/four-smart-tips-for-your-small-business-budget) - If you’re a small business owner, take some time to evaluate what’s working and what isn’t for your business budget and goals.
- [5 Good Money Habits To Boost Your Retirement Savings](https://aplusfcu.org/blog/5-good-money-habits-to-boost-your-retirement-savings) - Have you ever thought about what you want your retirement to look like? Use these tips to spark retirement planning and reach your goals.
- [7 Ways To Check Your Account Balances With Ease](https://aplusfcu.org/blog/check-account-balances-ease) - Need to check the balances of your A+ Federal Credit Union accounts? Find the option that works best for you with these services.
- [Fraud Alert: Romance Scams](https://aplusfcu.org/blog/fraud-alert-romance-scams) - We’ve seen an increase in the number of members falling victim to these romance scams. Follow these tips to avoid falling victim to a romance scam.
- [Everything You Need To Know About Checking Accounts](https://aplusfcu.org/blog/everything-you-need-to-know-about-checking-accounts) - Learn about the different types of checking accounts and how to select the best one for your needs and financial goals.
- [What To Avoid When Going Through The Mortgage Process](https://aplusfcu.org/blog/9-things-to-avoid-when-going-through-the-mortgage-process) - Buying a home is a long process – sometimes taking months. Learn what not to do during the mortgage process to limit complications.
- [Additional Costs Of Owning A Home](https://aplusfcu.org/blog/additional-costs-of-owning-a-home) - When buying a home, don’t forget to budget for the costs you’ll most likely incur after moving in. Discover what some may be.
- [8 Ways To Keep Money Safe While Traveling](https://aplusfcu.org/blog/8-ways-to-keep-money-safe-while-traveling) - Planning on traveling this year? Keep your money safe and out of sight with these tips.
- [Summer Activities In Austin](https://aplusfcu.org/blog/summer-activities-in-austin) - Don’t know what to do this summer? Lucky for you, there’s plenty to do in Austin without breaking the bank.
- [Teenager's First Job: Things They Should Know (But Probably Don't)](https://aplusfcu.org/blog/things-your-teen-should-know-about-their-first-job-but-they-probably-dont) - Prepare your teen for their first job with essential tips on paychecks, budgeting, and appropriate work attire. Help them succeed in their new role.
- [VantageScore vs FICO - What's The Difference?](https://aplusfcu.org/blog/fico-vs-vantagescore-whats-the-difference) - Learn the key differences between VantageScore & FICO, including scoring criteria, inquiry windows and lender preferences to better understand your credit score
- [Texas Students Awarded $150,000 In Scholarships From A+ Federal Credit Union](https://aplusfcu.org/blog/texas-students-awarded-150000-in-scholarships-from-a-federal-credit-union) - The A+FCU Board of Directors awarded 75 high school and college students with $150,000 in scholarships in honor of the credit union’s 75th anniversary.
- [A Kid’s Guide To Spending Money](https://aplusfcu.org/blog/spending-money) - Find out how to determine if what you’re spending your money on is worth it by calculating the value of what you didn’t buy.
- [Thank You For A Successful 2022](https://aplusfcu.org/blog/thank-you-for-a-successful-2022) - We’re grateful for our members who continue to help strengthen our credit union. Check out all we were able to accomplish together in 2022.
- [Simple Black Friday Tips You'll Be Thankful For](https://aplusfcu.org/blog/simple-black-friday-tips-youll-thankful) - Are you shopping Black Friday sales? Use these tips to help prepare and take advantage of the biggest shopping event of the year.A
- [The Ultimate Winter Break To-Do List For College Students](https://aplusfcu.org/blog/the-ultimate-winter-break-to-do-list-for-college-students) - Make the most of your winter break by prepping for the new year. Here are a few things you can do to set yourself up for financial success.
- [Practical Money Tips Your 5-Year-Old Will Understand](https://aplusfcu.org/blog/practical-money-tips-your-5-year-old-will-understand) - Introduce simple financial concepts early on to help your child become more capable with money as they mature.
- [5 Best Savings Tips Kids Need To Know Now](https://aplusfcu.org/blog/5-best-savings-tips-kids-need-know-now) - Teaching a child the importance of saving at a young age is an essential life lesson to benefit their future.
- [8 Ways To Save When Planning That Awesome Vacation](https://aplusfcu.org/blog/8-ways-save-planning-awesome-vacation) - Thinking about a summer vacation? Use these eight tips to help you plan an awesome trip, save money, and still have fun.
- [Making The Money Work When Your Income Is Seasonal](https://aplusfcu.org/blog/making-the-money-work-when-your-income-is-seasonal) - Uneven cash flow can make budgeting especially challenging. Here are some tips to help you with long-term financial stability.
- [Frugal Date Ideas: Keep Your Partner & Wallet Happy](https://aplusfcu.org/blog/frugal-date-nights-keep-your-partner-wallet-happy) - Who says date night has to be expensive? Use these frugal tips to help stay on budget while spending time with the one you love.
- [Best Practices For How To Send Money With Zelle®](https://aplusfcu.org/blog/best-practices-for-how-to-send-money-with-zelle) - Sending money to friends, family, and others you trust quickly is important. Here are some tips on how to protect yourself when using Zelle®.
- [The Freedom 30: A Year-Long System For Financial Goal Achievement](https://aplusfcu.org/blog/the-freedom-30-a-year-long-system-for-financial-goal-achievement) - Make 2024 the year you boost your financial wellness with the help of this 12-month program.
- [Fraud Tips For Teens](https://aplusfcu.org/blog/fraud-tips-for-teens) - Teens, beware – adults aren’t the only ones who have to guard against fraud. See how scammers are directly targeting you.
- [Thank You For A Successful 2023](https://aplusfcu.org/blog/thank-you-for-a-successful-2023) - We’re grateful for our members who continue to help strengthen our credit union. Read our blog to learn more about our 2023 accomplishments.
- [How To Avoid Blowing Your Wedding Budget](https://aplusfcu.org/blog/how-to-avoid-blowing-your-wedding-budget) - Being creative and finding ways to save during the wedding planning process can decrease some of the stress as the big day gets closer.
- [Financial Wellness Resources For Those With A Physical Disability](https://aplusfcu.org/blog/financial-wellness-resources-for-those-with-a-physical-disability) - A physical disability can put a strain on an anyone's finances. Fortunately, there are numerous organizations dedicated to providing aid.
- [Why We Get Scammed](https://aplusfcu.org/blog/why-we-get-scammed) - Spot scams before they turn into costly mistakes by familiarizing yourself with common tactics fraudsters use to manipulate you.
- [3 Ways To Fight Financial FOMO](https://aplusfcu.org/blog/three-ways-to-fight-financial-fomo) - Feel like you can’t keep up with the latest and greatest? Learn how to cope with the Fear Of Missing Out with these financial wellness tips.
- [10 Money Goals For The New Year](https://aplusfcu.org/blog/10-money-goals-new-year) - Use the energy of the new year to fuel your journey to a bright financial future with the help of these money goals.
- [Powerful Steps To Paying Down Holiday Debt](https://aplusfcu.org/blog/powerful-steps-to-paying-down-holiday-debt) - Need help recovering from your holiday spending? Use these powerful, yet simple steps to pay down debt and get back on track.
- [How To Save The Most Money In The New Year](https://aplusfcu.org/blog/save-money-new-year) - Use these simple, yet helpful tips to set a goal to save more money this year. Create a plan, make it automatic, and cut costs.
- [It's FAFSA Time](https://aplusfcu.org/blog/its-fafsa-time) - The 2024-25 FAFSA is available starting December 31, 2023, for families of seniors in high school and students in college to complete.
- [A+FCU Recognized As Top Workplace In Austin](https://aplusfcu.org/blog/afcu-recognized-as-2023-top-workplace-in-austin) - A+FCU has been awarded with the 2023 Top Workplaces Award by the Austin American-Statesman based on employee survey feedback.
- [End-Of-Year Money Moves](https://aplusfcu.org/blog/end-of-year-money-moves) - Are you ready for the new year? Set yourself up for success in 2024 by taking these steps.
- [Giving During The Holiday Season](https://aplusfcu.org/blog/giving-during-the-holiday-season) - Looking to do more this holiday season? Explore ways to give back and contribute to your community.
- [Why Credit Unions Are Worth Celebrating](https://aplusfcu.org/blog/international-credit-union-day) - Today, we're celebrating credit unions like ours and how as an industry we help our members. Happy International Credit Union Day!
- [Hectic Holidays: 5 Ways To Control Last-Minute Holiday Shopping](https://aplusfcu.org/blog/hectic-holidays-5-ways-to-control-last-minute-holiday-shopping) - Not finished holiday shopping? Use these tips to spend less, save time, and reduce stress when buying gifts.
- [How To Deal With Unwanted Sales Calls & Phone Scams](https://aplusfcu.org/blog/dealing-with-unexpected-sales-calls) - Rid yourself of unwanted sales calls and aim to avoid becoming one of the many people who lose money to phone scams with these tips.
- [Savings Tips For The Ultimate Thanksgiving](https://aplusfcu.org/blog/savings-tips-ultimate-thanksgiving) - Want to avoid stress and overspending this Thanksgiving? Here are few tips you and your budget will be thankful for this holiday season.
- [Holiday Spending Survival Guide](https://aplusfcu.org/blog/holiday-spending-survival-guide) - Get a handle on the holidays with our free easy-to-follow holiday spending survival guide. Answer questions, build a budget, and more.
- [Neighbor Spoofing: What You Need To Know](https://aplusfcu.org/blog/neighbor-spoofing-what-you-need-to-know) - Scammers are using fake caller IDs to trick you into picking up the phone. Learn how you can protect your personal information.
- [Identifying IRS Phone Scams](https://aplusfcu.org/blog/identifying-irs-phone-scams) - Watch out for IRS scams to avoid handing out money to fraudsters.
- [Pay Attention To These 4 Banking Scams](https://aplusfcu.org/blog/pay-attention-to-these-4-banking-scams) - Fraudsters get smarter every day. Protect your bank information from fake checks, fraud, romance scams, and more with these tips.
- [When Buying A Used Car Privately, Beware Of “Curbstoning”](https://aplusfcu.org/blog/when-buying-a-used-car-privately-beware-of-curbstoning) - Curbstoning is a scary situation you might find yourself in when buying a car. Here are some things to look out for.
- [Look Out For Charity Scams](https://aplusfcu.org/blog/look-out-for-charity-scams) - Safely donate money this season and avoid being tricked by scammers and con artists with these tips.
- [A Not-So-Typical Holiday Savings Challenge](https://aplusfcu.org/blog/not-typical-holiday-savings-challenge) - The holidays can be about more than just spending. This season, give yourself the gift of savings with this holiday savings challenge.
- [12 Ways To Save Money On Gas](https://aplusfcu.org/blog/12-ways-to-save-money-on-gas) - Don’t let rising gas prices keep you at home. Discover little ways you can do to save big at the gas pump.
- [Financial Safety Tips: Using Direct Payment Apps](https://aplusfcu.org/blog/financial-safety-tips-using-direct-payment-apps) - Don’t sacrifice safety for convenience. Learn how to keep your money safe while enjoying the convenience of direct payment apps.
- [4 Smart Financial Moves For Teachers](https://aplusfcu.org/blog/4-smart-financial-moves-for-teachers) - Teachers are tasked with a very important job: educate future generations. But are they taking the time to plan for their own futures?
- [7 Ways To Protect Against Identity Theft](https://aplusfcu.org/blog/7-ways-protect-identity-theft) - Every two seconds there’s a victim of identity theft in this country. Take note of these seven recommendations to help guard your personal information.
- [Emergency Preparedness: 5 Steps To Take](https://aplusfcu.org/blog/emergency-preparedness-5-steps-take) - Emergency preparedness is important. Implement the following steps and prepare you and your family before disaster strikes.
- [A Parent's Useful Guide To Teaching Kids About Debt](https://aplusfcu.org/blog/a-parents-useful-guide-to-teaching-kids-about-debt) - With some simple strategies, your child can be financially prepared for their future. Teach them the importance of money and finances.
- [5 Important Money Fundamentals For Teens](https://aplusfcu.org/blog/5-important-money-fundamentals-for-teens) - You may not know it now, but financial decisions made in your teens will have a lasting impact. Learn these 5 money fundamentals to start.
- [Avoiding Online Selling Scams](https://aplusfcu.org/blog/avoiding-online-selling-scams) - Selling scams are becoming increasingly popular. Here’s how to protect yourself from fraudsters if you’re buying or selling anything online.
- [What You Need To Know About Contactless Payments](https://aplusfcu.org/blog/what-you-need-to-know-about-contactless-payments) - Learn more about contactless payments and get answers to common questions about this convenient payment method.
- [What You Need To Know About The New SAVE Plan For Student Loans](https://aplusfcu.org/blog/what-you-need-to-know-about-the-new-save-plan-for-student-loans) - The newest income-driven plan is now available and this student loan option has unique benefits will lower payments for many borrowers.
- [Avoid Student Loan Relief Scams](https://aplusfcu.org/blog/avoid-student-loan-relief-scams) - Are you receiving “too good to be true” offers for your student loans? Avoid becoming a victim to scams with these five warning signs.
- [5 Totally Free Things You Can Do To Support Your Local Economy](https://aplusfcu.org/blog/5-totally-free-things-you-can-do-to-support-your-local-economy) - While shopping local is the best way to keep your tax dollars within your local economy, there are ways you can help without spending a dime.
- [FAFSA Changes: Applying For Aid 2024-25](https://aplusfcu.org/blog/fafsa-changes-applying-for-aid-2024-25) - The Free Application for Federal Student Aid is getting revamped for the 2024-25 school year – here’s what you need to know.
- [Digital Payment Apps: A Safety Guide](https://aplusfcu.org/blog/digital-payment-apps-a-safety-guide) - Technology has revolutionized the way we manage our finances. While it’s made banking convenient and efficient, it also comes with risks.
- [Slam The Door On These Home Warranty Scams](https://aplusfcu.org/blog/slam-the-door-on-these-home-warranty-scams) - Looking for a little extra protection for your home and wallet? Steer clear of home warranty scams with these tips.
- [Strategies For Talking To Elderly Parents About Their Finances](https://aplusfcu.org/blog/strategies-for-talking-to-elderly-parents-about-their-finances) - Aging parents face unique challenges when it comes to their finances. Here are some tips on how to talk to them regarding their preparedness and wishes.
- [Home Improvement Projects: When To Call In A Pro?](https://aplusfcu.org/blog/home-improvement-projects-when-to-call-in-a-pro) - Contemplating a home improvement project? Find out when to call in a professional for help with your home renovations.
- [The ABCs Of Loan APRs](https://aplusfcu.org/blog/the-abcs-of-loan-aprs) - Feeling confused about rates on loan offers? Here are key things to know about APRs.
- [Steps You Can Take To Actually Pay Off Debt](https://aplusfcu.org/blog/steps-you-can-take-to-actually-pay-off-debt) - Struggling to stay afloat? Free up some income by taking steps that will actually help you pay off debt.
- [A+FCU Wins Five Austin Community’s Choice Awards](https://aplusfcu.org/blog/afcu-wins-five-austin-communitys-choice-awards) - We’re thrilled to have won five Austin Community’s Choice awards as voted by the community and hosted by the Austin American-Statesman.
- [A+FCU Wins Generous Business Award – Community Leadership From Austin Chamber](https://aplusfcu.org/blog/afcu-wins-generous-business-award-community-leadership-from-austin-chamber) - We’re honored to be recognized as a winner of the Austin Gives Generous Business Award in the Extra Large Organization Category.
- [How To Start Your Fall Financial Review](https://aplusfcu.org/blog/how-to-start-your-fall-financial-review) - Fall is the perfect time to check in on and evaluate your personal finances. Use these helpful tips to end the year strong.
- [4 Budgeting Hacks For College Students](https://aplusfcu.org/blog/4-budgeting-hacks-for-college-students) - In college, it's important to understand how to control your spending. Learn how with one simple tool – a budget.
- [4 Financial Tips For Fall](https://aplusfcu.org/blog/4-financial-tips-fall) - Take advantage of the fall season and prepare for the months to come with these four financial tips.
- [8 Proven Ways To Save Money On Pets](https://aplusfcu.org/blog/8-proven-ways-to-save-money-on-pets) - Owning a pet brings real joy but it comes with a price tag. Here are some tips on how to save when caring for your furry loved one.
- [Shimmers: New ATM Fraud Scam](https://aplusfcu.org/blog/shimmers-new-atm-fraud-scam) - With chip cards becoming more common, hackers are developing a new way to steal information by inserting a smaller device into card readers.
- [Don't Let Online Threats Steal The Joy Of The Holidays](https://aplusfcu.org/blog/dont-let-online-threats-steal-joy-holidays) - Do what you can to protect yourself from online threats this holiday season. Here are some tips to consider today and every day of the year.
- [Protect Your Home & Finances From Natural Disasters](https://aplusfcu.org/blog/protect-your-home-finances-from-natural-disasters) - Don’t let the effects of a natural disaster put you in a bind. Use these tips to help protect your household and wallet.
- [Uncover the Truth: 7 Popular Financial Aid Myths](https://aplusfcu.org/blog/uncover-truth-7-popular-financial-aid-myths) - With financial aid deadlines fast approaching, there are some misconceptions you want to be aware of. Here are seven popular financial aid myths.
- [Controlling Your Money: Strategic Buying](https://aplusfcu.org/blog/controlling-your-money-strategic-buying) - Are you making smart purchases? Find out how to be in control of your finances and use these steps to manage your spending.
- [A+ Education Foundation Awards Nearly $105,000 In Grants](https://aplusfcu.org/blog/a-education-foundation-awards-nearly-105000-in-grants) - The A+ Education Foundation continues its commitment to education by awarding nearly $105,000 in grants to 77 Central Texas educators.
- [How To Save Money While Moving](https://aplusfcu.org/blog/how-to-save-money-while-moving) - There’s a lot to plan for when moving to a new place. Read our blog to see how you can save money during the moving process.
- [The Latest On Social Security Benefit Increases](https://aplusfcu.org/blog/the-latest-on-social-security-benefit-increases) - In 2023, millions will see an increase in Social Security benefits thanks to a cost-of-living adjustment meant to offset inflation.
- [Creating A Retirement Budget That Works](https://aplusfcu.org/blog/creating-a-retirement-budget-that-works) - Start planning now for how you want to spend your time during retirement and use these tips to help create a retirement budget.
- [Protect Your Home For Hurricane Season](https://aplusfcu.org/blog/protect-your-home-for-hurricane-season) - The effects of a hurricane can be devastating to your home and property. Use these tips to protect your assets before the next storm hits.
- [Ideas For Vacationing On A Budget](https://aplusfcu.org/blog/ideas-for-vacationing-on-a-budget) - Ready to get away? Start planning your next vacation with these tips to help you stick to a budget without sacrificing any of the fun.
- [The Do’s and Don’t’s of Preparing for Social Security Benefits](https://aplusfcu.org/blog/the-dos-and-donts-of-preparing-for-social-security-benefits) - Enjoy your retirement to its fullest by making sure your finances are in order and you’re prepared for Social Security benefits.
- [Scam-Proof Your Financial Life Online](https://aplusfcu.org/blog/scam-proof-your-financial-life-online) - With all the potential trappings of online fraud, knowing what to look for is important. Keep your personal information safe with these tips.
- [Pitfalls They Don’t Tell You About the Best Car Loans](https://aplusfcu.org/blog/pitfalls-they-dont-tell-you-about-the-best-car-loans) - Here are four things to look out for when shopping for a new vehicle and lender.
- [No 401(k)? No Problem](https://aplusfcu.org/blog/no-401k-no-problem) - Saving for retirement without a 401(k) can be challenging, but it’s not impossible. Explore different ways to reach your retirement goals.
- [A+ Federal Credit Union Wins 2021 Ethics In Business Award](https://aplusfcu.org/blog/a-federal-credit-union-wins-2021-ethics-in-business-award) - We’ve been named as a winner of RecognizeGood’s 2021 Ethics in Business Awards in the Large Business category.
- [A+FCU Wins Austin Gives Generous Business Award For 2020](https://aplusfcu.org/blog/afcu-wins-austin-gives-generous-business-award-for-2020) - We’re honored to be recognized as the winner of the Austin Gives Generous Business Award in the Large Organization Category.
- [A+FCU Wins 2020 Greater Austin Business Award](https://aplusfcu.org/blog/afcu-wins-2020-greater-austin-business-award) - A+FCU was recognized as the winner of the Customer Experience Award during the 20th Annual Greater Austin Business Awards.
- [A+ Education Foundation Awards Over $79,000 In Grants](https://aplusfcu.org/blog/education-foundation-awards-over-79000-in-grants) - The A+ Education Foundation continues its commitment to education by awarding over $79,000 in grants to 59 Central Texas educators.
- [Your Guide To Insurance: Savings & Discounts](https://aplusfcu.org/blog/your-guide-to-insurance-savings-and-discounts) - It’s important to have insurance policies you can rely on without breaking the bank. See how these discounts can help you save.
- [4 Helpful Retirement Tips You Need To Know Now](https://aplusfcu.org/blog/4-helpful-retirement-tips-need-know-now) - Saving for retirement early pays off in a BIG way due to a little something called compound interest. Here are four helpful retirement tips to know now.
- [Scams To Look For In The New Year](https://aplusfcu.org/blog/scams-to-look-for-in-the-new-year) - Fraudsters aren’t slowing down in 2022. Here are common scams to look out for that you might not know about.
- [How To Avoid Sacrificing Your Wish List](https://aplusfcu.org/blog/avoid-sacrificing-wish-list) - Overspending not on your wish list this year? Use these suggestions to help you spend exactly what you want this holiday season.
- [Credit Card Rewards: Money Maker Or Money Taker?](https://aplusfcu.org/blog/credit-card-rewards-money-maker-or-money-taker) - Credit cards offer great perks like cash back and reward points. However, they also come with great responsibility.
- [Finding Happiness With Your Money: An Emotional Analysis Of Spending](https://aplusfcu.org/blog/finding-happiness-with-your-money-an-emotional-analysis-of-spending) - Do you have any regrettable purchases? Analyze your spending to determine which type of expenses bring you joy and which don’t.
- [8 Ways To Save Money On Your Natural Gas Bill](https://aplusfcu.org/blog/8-ways-to-save-money-on-your-natural-gas-bill) - If you’re like most, your expenses are rising faster than your income. Check out these tips to help you save on your natural gas bill.
- [Central Texas Students Awarded $120,000 In Scholarships From A+ Federal Credit Union](https://aplusfcu.org/blog/central-texas-students-awarded-120000-in-scholarships-from-afcu-2023) - The A+FCU Board of Directors awarded 60 high school and college students with $120,000 in scholarships for the 2023-2024 school year.
- [Robbery Trends On The Rise](https://aplusfcu.org/blog/robbery-trends-on-the-rise) - Learn more about various robbery trends on the rise including Jugging and Bait & Switch as well as the steps to prevent becoming a victim.
- [Travel Hacks For Vacationing With Kids](https://aplusfcu.org/blog/travel-hacks-for-vacationing-with-kids) - Don’t let your family vacation stress you out. Instead, use these travel tips to maximize fun and relaxation.
- [Easy Ways To Teach Kids About Earning Money](https://aplusfcu.org/blog/easy-ways-to-teach-kids-about-earning-money) - Learning to earn money by putting in hard work is a valuable lesson to understand even at an early age. Here's ideas for your kids.
- [A Kid's Guide To Borrowing Money](https://aplusfcu.org/blog/borrowing-money) - Borrowing money seems like an easy way to get what you want quickly, but it comes at a cost. Understand when borrowing makes sense and why.
- [Money-Smart Actions To Take During Financial Literacy Month](https://aplusfcu.org/blog/money-smart-actions-to-take-during-financial-literacy-month) - Are your finances where you’d like them to be? See what steps you can take now to help boost your financial health.
- [Do Your Kids Know How To Set SMART Goals?](https://aplusfcu.org/blog/do-your-kids-know-how-to-set-smart-goals) - Encourage your child to think about what they hope to accomplish in the future and teach them how to be goal-oriented.
- [Buy Now, Pay Later Or Buy Now, Pain Later? Take This Quiz & Find Out](https://aplusfcu.org/blog/buy-now-pay-later-or-buy-now-pain-later-take-this-quiz-and-find-out) - Paying a little up front for an item you want or need is enticing, but it’s good practice to ask yourself these ten questions before you do.
- [A Kid’s Guide To Spending, Saving & Giving](https://aplusfcu.org/blog/learn-to-spend-save-and-give) - Learning about the three-jar concept can help kids grow into money-smart and socially responsible adults. Keep reading to find out more.
- [A Kid’s Guide To Growing Money](https://aplusfcu.org/blog/grow-your-money) - While savings accounts are a great tool for growing your money, investments can help grow your money even more. See how they compare.
- [10 Ways To Save In College](https://aplusfcu.org/blog/10-ways-save-college) - There are plenty of ways to cut costs and save in college. Keep more money in your wallet by trying these ten ways to save.
- [Your Guide To Insurance: HSA Benefits](https://aplusfcu.org/blog/your-guide-to-insurance-hsa-benefits) - Considering a High Deductible Health Plan? Learn the benefits of a Health Savings Account that can be paired with an HDHP.
- [9 Things To Do If You're In Limbo With Your Student Loans](https://aplusfcu.org/blog/feeling-in-limbo-with-your-student-loans-here-are-things-you-can-do-now) - Waiting on updates about your student loans is hard. Read our blog to see how you can financially prepare for possible repayment.
- [Top Tips To Keep Your Credit Score Aloft](https://aplusfcu.org/blog/top-tips-to-keep-credit-score-aloft) - Are you satisfied with your credit score? Check out these simple tips to keep your score as high as it can be.
- [Are You Prepared For The Unexpected?](https://aplusfcu.org/blog/are-you-prepared-for-the-unexpected) - Prepare for the unexpected and ready yourself and your finances for anything that comes your way with these tools.
- [What To Do With Unexpected Money](https://aplusfcu.org/blog/what-to-do-with-unexpected-money) - If you’ve received a sudden windfall, avoid making hasty decisions and consider taking steps to help improve your financial wellness.
- [6 Micro-Goals To Boost Your Finances All Year Long](https://aplusfcu.org/blog/6-micro-goals-to-boost-your-finances-all-year-long) - If you’re already running out of steam for your New Year’s resolutions, check out these tips to get back on track.
- [Fighting Inflation At The Grocery Store](https://aplusfcu.org/blog/fighting-inflation-at-the-grocery-store) - Are you noticing the effect of inflation on your grocery budget? Here are some tips to help you manage the rising cost of food.
- [Getting A Tax Refund? Wait Just A Minute!](https://aplusfcu.org/blog/getting-a-tax-refund-wait-just-a-minute) - Making a plan for your tax refund is a sure way to help your financial situation and keep you from making an impulse decision you’ll regret.
- [Meal Plans: Your Tool For A Healthy Savings](https://aplusfcu.org/blog/meal-plans-your-new-tool-for-a-healthy-savings) - Eating out on a regular basis can take a toll on your finances. Try these four tips to budget better and reset your weekly eating habits.
- [The 411 on 401(k)s](https://aplusfcu.org/blog/the-411-on-401ks) - Stay informed about 401(k)s and other retirement options to create an investment strategy tailored to you.
- [What You Need to Know to Improve Your Credit Score](https://aplusfcu.org/blog/need-know-improve-credit-score) - Need to improve your credit score? Learn about the five components that factor into your credit score and how behavior affects your score.
- [How To Set Yourself Up For A Successful Open Enrollment](https://aplusfcu.org/blog/how-to-set-yourself-up-for-a-successful-open-enrollment) - Choosing a health plan and other benefits is a big deal. Prepare and make the most out of your selections with these tips.
- [Have Meaningful Money Talks With Your Partner Now](https://aplusfcu.org/blog/have-meaningful-money-talks-with-your-partner-now) - Discussing finances with your partner is an important part of any relationship. Start your discussion with help from our blog.
- [Understanding & Directing Your Withholdings](https://aplusfcu.org/blog/understanding-and-directing-your-withholdings) - Paycheck withholdings are a fact of life for most workers, but they aren’t set in stone. Take a more proactive approach with these tips.
- [How To Protect Your Home From Winter Weather & Save](https://aplusfcu.org/blog/how-to-protect-your-home-from-winter-weather-and-save) - Are you prepared for the winter weather? Learn how to care for your home during harsh weather to save you from expensive repairs.
- [5 Ways to Save Money While Moving](https://aplusfcu.org/blog/5-ways-to-save-money-while-moving) - Moving is expensive, so it’s important to have a game plan and prepare as much as possible to save money while moving.
- [Beware Of Tax-Time Scams](https://aplusfcu.org/blog/beware-tax-time-scams) - Tax season is stressful enough without having to worry about recovering from tax-time scams. Here’s what to look for and how to protect yourself.
- [6 Important Things To Know About The FAFSA](https://aplusfcu.org/blog/6-important-things-to-know-about-the-fafsa) - The Free Application for Federal Student Aid opens October 1. Get the biggest benefit from your FAFSA application with these tips.
- [5 Habits Every Budgeter Should Develop](https://aplusfcu.org/blog/5-habits-every-budgeter-should-develop) - Learn how to be a successful budgeter and reach your goals by incorporating these five habits into your financial routine.
- [6 Ways To Save On Homemade Meals](https://aplusfcu.org/blog/6-ways-to-save-on-homemade-meals) - Food is a necessity but buying groceries shouldn't break the bank. See how these tips can save you money when cooking homemade meals.
- [Daily Habits That Make Building Wealth Easier](https://aplusfcu.org/blog/daily-habits-that-make-building-wealth-easier) - There’s no shortage of get-rich-quick schemes. Put these ten daily habits into action and begin building wealth for the long term.
- [Find the Perfect Real Estate Agent](https://aplusfcu.org/blog/find-the-perfect-realtor) - Learn how to find a real estate professional who fits your budgets, expectations, and needs when buying and selling a home.
- [Boost Your Credit Score: 4 Myths Debunked](https://aplusfcu.org/blog/boost-your-credit-score-4-myths-debunked) - If you know what to look for, your credit report can be a powerful tool in boosting your credit score and reaching your financial goals.
- [8 Things To Consider When Credit Card Shopping](https://aplusfcu.org/blog/8-things-consider-credit-card-shopping) - When credit card shopping, it's important to find the one that best fits your needs. Here are eight things to consider and compare when deciding.
- [Get A Head Start On Your Child’s College Savings Plan](https://aplusfcu.org/blog/four-tips-that-will-kickstart-your-college-savings-plan) - Ready to start planning for your child’s future? Read on for guidance to make the right choices for your family.
- [Closing Credit Accounts: Considerations & Potential Impact](https://aplusfcu.org/blog/closing-credit-accounts-considerations-potential-impact) - There can be a lot of confusion and misinformation when it comes to credit scores. Find out how closing a credit account impacts your score.
- [Adjusting Your Finances: What To Do When Your Kids Move Out](https://aplusfcu.org/blog/adjusting-your-finances-what-to-do-when-your-kids-move-out) - Suddenly an empty nester? Transition into this new part of your life with financial success by adjusting your finances and planning for the future.
- [3 Financial Tips to Help You Achieve Life Goals](https://aplusfcu.org/blog/3-financial-tips-to-help-you-achieve-life-goals) - Does stress affect your finances? Solutions like setting goals, creating a budget, and saving can help you achieve anything.
- [How to Strengthen Your Business by Refinancing](https://aplusfcu.org/blog/how-to-strengthen-your-business-by-refinancing) - A new loan with improved terms can be just what your business needs.
- [What Are the Best Ways to Use Your Stimulus Money?](https://aplusfcu.org/blog/what-are-the-best-ways-to-use-your-stimulus-money) - Unsure how to use your most recent stimulus check? Here are four things to consider.
- [How to Boost Retirement Readiness Now](https://aplusfcu.org/blog/how-to-boost-retirement-readiness-now) - Learn about retirement considerations and make a plan to ensure you’re on track.
- [5 Ways To Trick Yourself Into Saving](https://aplusfcu.org/blog/5-ways-to-trick-yourself-into-saving) - Ready to grow your savings? Use these tips to save money consistently throughout the year and reach your savings goals.
- [Canceling Your Credit Card: 3 Questions To Ask Yourself](https://aplusfcu.org/blog/canceling-your-credit-card) - Thinking about canceling one of your credit cards? Consider these questions to save money, time, and your credit score.
- [Proven Ways To Save Money On Medical Bills](https://aplusfcu.org/blog/proven-ways-to-save-money-on-medical-bills) - Make strategic decisions when selecting healthcare providers and facilities, and plan ahead to keep medical costs down.
- [4 Questions To Ask Yourself Before Signing A Mortgage](https://aplusfcu.org/blog/4-questions-to-ask-yourself-before-signing-a-mortgage) - On the fence about buying a home? Ask yourself these questions to help decide if your ready for the next step.
- [Calling The CU: Helpful Hints](https://aplusfcu.org/blog/calling-the-cu-helpful-hints) - Understand the ‘why’ behind our security question procedures for the Member Contact Center.
- [What To Do Before Signing A Lease](https://aplusfcu.org/blog/what-to-do-before-signing-a-lease) - With home purchase prices at an all-time high, renting may be the way to go. Find out what five steps to take before signing a lease.
- [6 Fun & Inexpensive Activities For Summer](https://aplusfcu.org/blog/6-fun-and-cheap-activities-for-summer-vacation) - Here are a few budget friendly ideas so you can enjoy summer vacation while having fun with your family and friends.
- [Insurance 101: Questions To Ask Your Agent](https://aplusfcu.org/blog/insurance-101-questions-to-ask-your-agent) - As life changes, so should your insurance. Learn what questions to ask your insurance agent to save money and find the right coverage.
- [Self-Employed & Stress-Free: Keep Track Of These 6 Types Of Documents For Tax Time](https://aplusfcu.org/blog/self-employed-and-stress-free-keep-track-of-these-6-types-of-documents-for-tax-time) - Filing your taxes as a gig worker can seem challenging – save these documents to make filing as self-employed easier.
- [4 Simple Ways To Get Extra Money](https://aplusfcu.org/blog/4-simple-ways-get-extra-money) - The opportunity to earn some extra cash is easier than you might think using these simple methods. Discover which is right for you.
- [Attention Gen Z: Are You Banking With Credit Unions?](https://aplusfcu.org/blog/attention-gen-z-are-you-banking-with-credit-unions) - How to choose the right financial institution? When you want a company that aligns with your values, try your local credit union.
- [5 Best Holiday Money Lessons Our Kids Should Know](https://aplusfcu.org/blog/5-best-holiday-money-lessons-kids-know) - It's the season of joy and spending time with family & friends; you can also use it to teach your children valuable money lessons.
- [When's The Best Time To Write A Business Plan?](https://aplusfcu.org/blog/whens-the-best-time-to-write-a-business-plan) - Learn how a business plan can guide your new company as well as enable growth even after your business takes off.
- [10 Gifts Under $10 Your Loved Ones Will Enjoy](https://aplusfcu.org/blog/10-gifts-10-loved-ones-will-enjoy) - If you're in a giving mood, but your wallet isn't – don't panic. Here's 10 gifts under $10 your loved ones are sure to enjoy for any holiday.
- [A Kid’s Guide To Keeping Money Safe](https://aplusfcu.org/blog/keeping-your-money-safe) - Managing finances is a big responsibility. Use our guide to compare piggy banks and savings accounts to help keep your money safe.
- [4 Smart Moves To Cut Expenses For Your Small Business](https://aplusfcu.org/blog/cut-expenses-for-your-small-business) - Take some of the stress out of operating your business by learning easy ways to save money. Here are 4 smart moves you can do.
- [Boost Your Summer Stash Of Cash](https://aplusfcu.org/blog/boost-your-summer-stash-of-cash) - Are you looking to sell items that you no longer need or use? Find guidance on how and where to sell your things to maximize earnings.
- [A+ Education Foundation Awards $84,000 In Grants](https://aplusfcu.org/blog/a-education-foundation-awards-84000-in-grants) - The A+ Education Foundation awarded over $84,350 in grants to 64 Central Texas educators suprassing $1 million since 2005.
- [Central Texas Students Awarded $100,000 In Scholarships From A+FCU](https://aplusfcu.org/blog/central-texas-students-awarded-100000-in-scholarships-from-afcu-2021) - The A+FCU Board of Directors awarded 50 high school and college students with $100,000 in scholarships for the 2021-2022 school year.
- [A+ Education Foundation Awards $126,000 In Grants](https://aplusfcu.org/blog/a-education-foundation-awards-126000-in-grants) - Established in 2005, the A+ Education Foundation has awarded 1,078 educators with over $1 million in grants.
- [Central Texas Students Awarded $100,000 In Scholarships From A+FCU](https://aplusfcu.org/blog/central-texas-students-awarded-100000-in-scholarships-from-afcu) - The A+FCU Board of Directors awarded 50 high school and college students with $100,000 in scholarships for the 2020-2021 school year.
- [Thank You For A Successful 2020](https://aplusfcu.org/blog/thank-you-for-a-successful-2020) - We owe a successful 2020 to our members and look forward to what 2021 brings. Learn more about what we accomplished last year.
- [A+FCU Awarded As One of Forbes’ Best-In-State Credit Unions For 2020](https://aplusfcu.org/blog/afcu-awarded-as-one-of-forbes-best-in-state-credit-unions-for-2020) - A+FCU has been recognized as part of Forbes’ annual list of America’s Best-In-State Banks and Credit Unions 2020.
- [A+FCU Wins MemberXP 2020 Best Of The Best Award](https://aplusfcu.org/blog/afcu-wins-memberxp-2020-best-of-the-best-award) - The Best of the Best award is granted each calendar year to credit unions that have consistently provided exceptional member service.
- [4 Ways To Customize Your A+ Online Banking](https://aplusfcu.org/blog/4-ways-to-customize-your-a-online-banking) - Use these tips and tricks to personalize your A+ Online Banking account, so you can work faster and more efficiently.
- [New Year, New Me: Helpful Money Resolutions](https://aplusfcu.org/blog/new-year-new-helpful-money-resolutions) - If working toward financial security is in your plans for the new year, consider incorporating one of these financial resolutions.
- [Financial Forgiveness Is Personal Too](https://aplusfcu.org/blog/financial-forgiveness-is-personal-too) - Are you in a love-hate relationship with your finances? See how you can get back on track and be happy with your finances again.
- [Monday Resolutions: Reach Your Goals](https://aplusfcu.org/blog/monday-resolutions-reach-your-goals) - Are New Year resolutions not your thing? Learn how to set a new goal every week and have a healthier year.
- [6 Short-Term Financial Goals For The New Year](https://aplusfcu.org/blog/6-short-term-financial-goals-for-the-new-year) - The new year always brings a renewed sense of purpose and dedication. Take the time to implement these simple short-term financial goals.
- [Are Holiday Layaway Programs Right for You?](https://aplusfcu.org/blog/holiday-layaway-programs-right) - As you begin planning for the holidays, carefully consider the pros and cons of using a layaway program for your shopping needs.
- [A Step-By-Step Guide To Making A Holiday Budget](https://aplusfcu.org/blog/a-step-by-step-guide-to-making-a-holiday-budget) - Learn how to make the most out of the holidays when you figure out the best ways to spend, save, and give.
- [Making Holidays A Breeze – Start Now](https://aplusfcu.org/blog/making-holidays-a-breeze-start-now) - It’s never too early to start planning for the holidays. Try these tips to help manage the stress of spending this season.
- [Cut These Costs ASAP When Facing Financial Hardship](https://aplusfcu.org/blog/cut-these-costs-asap-when-facing-financial-hardship) - During challenging times, reviewing your budget can help free up funds and eliminate unnecessary spending.
- [How To Negotiate Your Bills & Debts](https://aplusfcu.org/blog/how-to-negotiate-your-bills-and-debts) - Struggling with payments? Looking to save money? Learn how to ask for discounts and modifications to better afford your monthly payments.
- [The Dos & Don’ts Of Buying A Car](https://aplusfcu.org/blog/the-dos-and-donts-of-buying-a-car) - Make your car-buying experience a good one by going in prepared by knowing the dos and don’ts of buying a car.
- [A+FCU Tops Best Of The Best Awards As Best Mortgage Lender In Central Texas](https://aplusfcu.org/blog/afcu-tops-best-of-the-best-awards-as-best-mortgage-lender-in-central-texas) - A+FCU earned the top spot as the Best Mortgage Lender in the Austin American-Statesman's 2021 "Best of the Best Awards".
- [A+FCU Wins 2021 FAVE Way To Keep Austin Healthy Award](https://aplusfcu.org/blog/afcu-wins-2021-fave-way-to-keep-austin-healthy-award) - A+FCU has been named the winner of the Austin Young Chamber’s 12th Annual FAVE Awards in the FAVE Way to Keep Austin Healthy category.
- [Top Considerations For Buying A New Construction Home](https://aplusfcu.org/blog/top-considerations-for-buying-a-new-construction-home) - Ready to make a move? See if a new construction home is something you should consider based on these benefits and drawbacks.
- [A Simple & Useful Estate Planning Checklist](https://aplusfcu.org/blog/a-simple-and-useful-estate-planning-checklist) - Ensure your loved ones are taken care of by preparing a will and having appropriate directives in place.
- [Thank You For A Successful 2021](https://aplusfcu.org/blog/thank-you-for-a-successful-2021) - 2021 gave us an opportunity to grow through new challenges. We’re grateful for our members who continue to help support the credit union.
- [Top Workplaces 2022 Winner A+FCU Increases Effective On-Site Starting Pay To $20 Per Hour](https://aplusfcu.org/blog/top-workplace-2022-winner-apfcu-increases-on-site-pay) - A+FCU won a Top Workplaces 2022 honor on the heels of announcing its wage increase for on-site entry level effective pay to $20 per hour.
- [A+FCU Employees Volunteered Over 2,000 Hours During Inaugural A+ Gives Day](https://aplusfcu.org/blog/afcu-employees-volunteered-over-2000-hours-during-inaugural-a-gives-day) - A+FCU hosted its inaugural A+ Gives Day with team members volunteering at organizations throughout the Central Texas community and beyond.
- [Central Texas Students Awarded $120,000 In Scholarships From A+FCU](https://aplusfcu.org/blog/central-texas-students-awarded-120000-in-scholarships-from-afcu) - The A+FCU Board of Directors awarded 60 high school and college students with $120,000 in scholarships for the 2022-2023 school year.
- [A+FCU Tops Best Of The Best Awards Winning Best Customer Service In Central Texas](https://aplusfcu.org/blog/afcu-tops-best-of-the-best-awards-winning-best-customer-service-in-central-texas) - A+FCU wins Best Customer Service Award in the Austin American-Statesman 2022 Best of the Best Awards.
- [52-Week Savings Challenge](https://aplusfcu.org/blog/52-week-savings-challenge) - Do you have a goal to save more money? Get started with the 52-Week Savings Challenge and watch your savings grow.
- [Aging Parents: Time to Have the Dreaded Money Talk](https://aplusfcu.org/blog/aging-parents-time-dreaded-money-talk) - While it's not the easiest conversation to have, it's better to have it sooner rather than later. Here are 5 financial topics to discuss with aging parents.
- [What is a Port-Out Scam?](https://aplusfcu.org/blog/what-is-a-port-out-scam) - Fraudsters are getting increasingly tricky with a scam called the port-out scam. Learn more about the scam and how you can protect yourself.
- [New Funds for Student Loan Forgiveness: Do You Qualify?](https://aplusfcu.org/blog/new-funds-for-student-loan-forgiveness-do-you-qualify) - The U.S. Department of Education will help you pay off student loan debt if you meet the following criteria.
- [Data Breaches: Protecting Your Personal Information](https://aplusfcu.org/blog/data-breaches-protecting-your-personal-information) - The hackers have hit a major company again. Learn what steps to take if your information is compromised during a data breach.
- [Three Ways to Fight Financial FOMO](https://aplusfcu.org/blog/three-ways-to-fight-financial-fomo-2) - Jealously got you down? Feel like you can’t keep up with the latest and greatest? Learn how to cope with the Fear Of Missing Out with these three financial wellness tips.
- [How to Avoid Medical Bankruptcy](https://aplusfcu.org/blog/how-to-avoid-medical-bankruptcy) - Medical bankruptcy is a serious and almost impossible situation to free yourself from. Rising healthcare costs make medical bills skyrocket, making it even more important for people to plan for the unexpected to prevent becoming bankrupt.
- [5 Ways to Avoid Delayed Healthcare](https://aplusfcu.org/blog/5-ways-to-avoid-delayed-healthcare) - Lessen the burden of an unexpected medical expense by taking proactive steps throughout the year.
- [Bill Pay vs. Manual Payments](https://aplusfcu.org/blog/bill-pay-vs-manual-payments) - Deciding how to pay your bills can have a big impact on your lifestyle and funds.
- [What You Need to Know About Reverse Mortgages](https://aplusfcu.org/blog/what-you-need-to-know-about-reverse-mortgages) - Reverse mortgages are not for everyone. Learn more about this complex option before deciding whether or not it’s right for you.
- [Newly Employed? Here's What You Need to Know](https://aplusfcu.org/blog/newly-employed-heres-what-you-need-to-know) - Securing your first big job is exciting and a big deal. But if you're not prepared, before it's even in your hands, your first paycheck is gone.
- [10 Credit Card Terms Everyone Needs To Know](https://aplusfcu.org/blog/10-credit-card-terms-everyone-needs-to-know) - We’ve identified some need-to-know terms that come with having a credit card.
- [How to Apply for Unemployment Benefits](https://aplusfcu.org/blog/how-to-apply-for-unemployment-benefits) - If you’ve recently become unemployed, take these measures to get back on track.
- [5 Things to Remember When Borrowing Money](https://aplusfcu.org/blog/5-things-to-remember-when-borrowing-money) - Borrowing money seems like an easy way to get cash quickly, but it comes with the greater responsibility of paying it back in a timely manner and fitting it into your budget.
- [Building Business Credit](https://aplusfcu.org/blog/building-business-credit) - Find out how building credit can help elevate your business and benefit your future.
- [Portfolio Lending for Real Estate Investors](https://aplusfcu.org/blog/portfolio-lending-for-real-estate-investors) - Use your real estate portfolio to secure financing for additional investment properties.
- [An Entrepreneur's Guide to Equipment Loans](https://aplusfcu.org/blog/an-entrepreneurs-guide-to-equipment-loans) - Can new equipment help your small business grow and prosper?
- [What to Do When You Don’t Have a Mortgage Down Payment](https://aplusfcu.org/blog/what-to-do-when-you-dont-have-a-mortgage-down-payment) - Learn about the options you have if you’re ready to buy a home but don’t meet the down payment qualifications.
- [Creating a Personalized Path to Financial Success](https://aplusfcu.org/blog/personalized-path-to-financial-success) - No matter what financial success means to you, the road to this destination can be tricky. These tips can help guide you to reach your goals.
- [New Parents: Here's How To Save Money On Taxes](https://aplusfcu.org/blog/tax-tips-help-new-parents-save-money) - While there is a lot to learn as a new parent, it’s nice to know how you can take advantage of these tax breaks.
- [Your Guide To Insurance: Protecting Your Property](https://aplusfcu.org/blog/your-guide-to-insurance-protecting-your-property) - Your personal property is worth protecting. Learn more about the different types of insurance you need and what steps to take.
- [Less Obvious Fees That May Be Costing You Big Bucks](https://aplusfcu.org/blog/less-obvious-fees-that-may-be-costing-you-big-bucks) - Avoid additional fees on common items to save money in the long run.
- [Roth IRA vs. Traditional IRA: What’s Best for You?](https://aplusfcu.org/blog/roth-ira-vs-traditional-ira-whats-best-for-you) - Learn what individual retirement account will give you the biggest return before retirement no matter what stage you’re at in life.
- [5 Ways to Lower the Cost of Tuition Before Considering a Student Loan](https://aplusfcu.org/blog/5-ways-to-lower-the-cost-of-tuition-before-considering-a-student-loan) - If you’re considering financing your education with the help of a loan, the smartest thing you can do is only borrow what you truly need.
- [4 Things To Consider Before Adding An Authorized User](https://aplusfcu.org/blog/4-things-to-consider-before-adding-an-authorized-user) - Adding an authorized user can help someone build their credit. Here are some things to consider to decide if it’s right for you.
- [The Effect Of Time On Investing](https://aplusfcu.org/blog/the-effect-of-time-on-investing) - First-time investor? Do your homework before investing your hard-earned cash with these simple tips and tricks.
- [Buying In A Seller’s Market](https://aplusfcu.org/blog/buying-in-a-sellers-market) - Searching for your dream home in a demanding market? Try these creative options to help you stand out over a competitive bid.
- [5 Tips To Increase Savings While Working Remotely](https://aplusfcu.org/blog/5-tips-to-increase-savings-while-working-remotely) - Are you working from home? Explore different financial benefits that come with working from home.
- [5 Ways To Cut Your Grocery Bill And Save Money](https://aplusfcu.org/blog/5-ways-to-cut-your-grocery-bill-and-save-money) - Budgeting for 2022? Learn how to save money and create healthier shopping and eating habits for you and your family.
- [3 Reasons To Get A Credit Card For The First Time](https://aplusfcu.org/blog/3-reasons-get-credit-card-first-time) - Overspending. Interest. Fees. Debt. It’s intimidating to think about getting your first credit card, but it doesn't have to be.
- [10 Money-Saving Tricks For Online Shopping](https://aplusfcu.org/blog/10-money-saving-tricks-for-online-shopping) - Do you enjoy the convenience of online shopping? Use these tips to make sure you’re getting the best deals while shopping from home.
- [Buying vs. Renting A Home: Are You Getting The Right Advice?](https://aplusfcu.org/blog/making-move-renting-vs-buying) - Deciding to buy or rent a home can be daunting without all of the misinformation. Find out what you should consider before taking the leap.
- [Hidden Costs New Homeowners May Overlook (And How To Avoid Them)](https://aplusfcu.org/blog/hidden-costs-new-homeowners-may-overlook-and-how-to-avoid-them) - Preparing for unexpected costs is an important part of buying your first home. Be prepared to cover a variety of costs.
- [From Barter To Bitcoin: Cryptocurrency 101](https://aplusfcu.org/blog/from-barter-to-bitcoin-cryptocurrency-101) - What Cryptocurrency is, how it’s used, and what you should know before investing. A new way people are using to representing money.
- [5 Money Fundamentals That Will Empower Your Kids](https://aplusfcu.org/blog/5-money-fundamentals-will-empower-kids) - Teaching your kids key financial concepts will help mold them into informed and capable adults. To get started use these 5 fundamentals.
- [Inflation Fighting Tips To Preserve Your Spending Power](https://aplusfcu.org/blog/inflation-fighting-tips-to-preserve-your-spending-power) - Saving for the future can take a back seat, be prepared with these valuable tips on how to stretch your finances when inflation hits hard.
- [The Hidden Costs Of Having A Baby](https://aplusfcu.org/blog/the-hidden-costs-of-having-a-baby) - Having a baby is an exciting part of life! Read our blog to help better prepare for unexpected expenses you might not have thought about.
- [Going Credit Card Free: Problem Solved Or Problems Created?](https://aplusfcu.org/blog/going-credit-card-free-problem-solved-or-problems-created) - Credit cards used responsibly as part of a sound financial plan can be a helpful tool. Find out what it could cost by not having one.
- [Tips For Online Car Shopping](https://aplusfcu.org/blog/tips-for-online-car-shopping) - Buying a car strictly at the dealership is a thing of the past. Shop for your car online with ease from anywhere using these tips.
- [5 Ideas To Keep In Mind When You Get A Raise](https://aplusfcu.org/blog/5-ideas-to-keep-in-mind-when-you-get-a-raise) - Learn how to get the most out of your extra income to improve your financial wellness and put your money to work.
- [A Useful How-To On Teaching Needs vs. Wants](https://aplusfcu.org/blog/a-useful-how-to-on-teaching-needs-vs-wants) - A basic building block of budgeting is understanding the difference between needs and wants. What to consider and ways to teach budgeting.
- [5 Surprising Ways To Damage Your Credit Score](https://aplusfcu.org/blog/5-surprising-ways-damage-credit-scores) - Actions you may or may not be taking that could be affecting your credit score in a big way. Keep reading to learn more.
- [3 Cost-Cutting Ideas For Your Household](https://aplusfcu.org/blog/3-cost-cutting-ideas-for-your-household) - Looking to save money? Use these tips to spend less in your home and save more money for you and your family throughout the year.
- [5 Topics You Need To Discuss Before Living Together](https://aplusfcu.org/blog/5-topics-need-discuss-living-together) - Ready to move in with your significant other? Be sure to cover these topics beforehand to set yourself up for success.
- [Earning Money Online: What’s Your Time Worth?](https://aplusfcu.org/blog/earning-money-online-whats-your-time-worth) - Learn how to get the biggest bang for your buck when doing work online.
- [5 Tips for Using Credit Cards Abroad](https://aplusfcu.org/blog/5-tips-for-using-credit-cards-abroad) - Save yourself the extra worries and use these tips when traveling with a credit card.
- [SMART Goals = Achievement!](https://aplusfcu.org/blog/smart-goals-achievement) - Do you have money resolutions you're working towards? Get one step closer to reaching your goals by using the SMART method.
- [Cosigning Loans: What You Need to Know](https://aplusfcu.org/blog/cosigning-loans-need-know) - Cosigning can be a noble act, but it’s a big commitment as well. Here are some things to keep in mind when deciding whether or not to cosign a loan.
- [4 Ways to Throw Money Away](https://aplusfcu.org/blog/4-ways-throw-money-away) - If you need money quick, make sure it doesn't make you worse off in the long run. Don't throw money away by using any of these 4 institutions.
- [How to Shield Your Family From Financial Elder Abuse](https://aplusfcu.org/blog/how-to-shield-your-family-from-financial-elder-abuse) - Learn how to take care of elderly family members who might fall victim to financial scams by staying alert and being proactive.
- [What is the Sandwich Generation?](https://aplusfcu.org/blog/what-is-the-sandwich-generation) - If you find yourself caring for both your children and aging parents, you’re part of the Sandwich Generation. Learn how to manage your finances with these seven tips.
- [Your Guide To Insurance: Protecting Your Vehicle](https://aplusfcu.org/blog/your-guide-to-insurance-protecting-your-vehicle) - Accidents can happen on the road no matter how safe you drive. Learn about the different types of auto insurance to make sure you’re covered.
- [5 Powerful Financial Aid Tips for Students](https://aplusfcu.org/blog/5-powerful-financial-aid-tips-for-students) - Different types of financial aid can make college more affordable for all. Read more to find out what steps you should take.
- [5 Reasons Why You Need a Will](https://aplusfcu.org/blog/5-reasons-why-you-need-a-will) - It’s essential to write a will as it helps your loved ones understand your wishes after you pass. Take the time now to write it down.
- [Pros And Cons To Joint Financial Accounts](https://aplusfcu.org/blog/pros-and-cons-to-joint-financial-accounts) - Explore the ups and downs of having a joint account with your spouse or other loved one so you can decide what works best for you.

## Pages

- [Homepage](https://aplusfcu.org/) - A+ Federal Credit Union is an Award-Winning Texas Credit Union. We’re banking on each other and building strong communities. Join today.
- [Home Equity](https://aplusfcu.org/loans/home-loans/home-equity) - A+ Home Equity Loans & Home Equity Lines Of Credit (HELOCs) help you put the equity in your home to work for you with low interest rates and flexible terms.
- [Find Your Branch](https://aplusfcu.org/locations) - I need to find a credit union near me. A+FCU has 20+ branches in Central TX - Full-service, drive-thru, and thousands of surcharge-free ATMs nationwide.
- [A+ Mobile App](https://aplusfcu.org/services/mobile-banking/aplus-mobile-app) - With A+ Federal Credit Union's Mobile Banking App, you can enjoy the 24/7/365 convenience of managing your finances anywhere, anytime.
- [A+ Personal Loan](https://aplusfcu.org/loans/personal-credit/personal-loans) - A+ Credit Union Personal Loans - You can borrow up to $50,000 with a low interest rate and flexible terms for up to 84 months.
- [Tiered Money Market](https://aplusfcu.org/accounts/savings/tiered-money-market) - A Tiered Money Market Account boosts savings by offering higher dividends with its tiered structure and has no monthly fees and no transfer or withdrawal limits.
- [Value Checking](https://aplusfcu.org/accounts/checking/value-checking) - A free checking account? A+FCU offers modern banking services with local convenience across Central Texas - 20+ branches, 400+ free ATMs, and online banking.
- [Cash-Back Checking](https://aplusfcu.org/accounts/checking/cash-back-checking) - Free cash-back checking accounts? A+FCU offers modern banking with local convenience across Central Texas - 20+ branches, 400+ free ATMs, and online banking.
- [A+ Online Banking](https://aplusfcu.org/services/online-banking/aplus-online-banking) - Use free A+ Credit Union Online Banking for 24/7 access to your accounts, check balances, pay bills, move money, open new accounts, and even to apply for loans.
- [A+ Holiday Loan](https://aplusfcu.org/loans/personal-credit/holiday-loan) - Get the funds you need for the holidays with the A+ Holiday Loan.
- [Car & Truck Loans](https://aplusfcu.org/loans/vehicle-loans/auto-loans) - A+FCU wants to help you get your dream car or truck - new, used, or refinance. Apply today on our website, a local branch, or one of our dealer partners.
- [Purchases](https://aplusfcu.org/loans/home-loans/purchases) - Home Purchase options include fixed-rate, adjustable-rate, and jumbo loans. We can help with great rates, lower fees, & resources.
- [Recognition & Awards](https://aplusfcu.org/about-us/recognition) - With our ongoing commitment to serving our members and our community, A+FCU is honored to be the recipient of a number of prestigious awards.
- [A+ Education Foundation](https://aplusfcu.org/educators/education-foundation) - A+ Education Foundation supports Central Texas educators with grants to fund innovative, inspiring, and engaging programs for their schools.
- [Webinars & Events](https://aplusfcu.org/guidance/webinars-and-events) - A+FCU provides a number of free webinars & events for both credit union and community members.
- [News & Publications](https://aplusfcu.org/about-us/news-publications) - Access recent news & publications including press releases, Annual Reports, the Member Conduct Policy, Bylaws, and more.
- [Refer & Earn](https://aplusfcu.org/about-us/member-benefits/refer-and-earn) - Refer & earn when you share the love for A+FCU! Earn $25 Refer A Friend Benefit when you refer friends and family to join A+FCU.
- [Member Giveback](https://aplusfcu.org/about-us/community-involvement/member-giveback) - Member giveback is in our DNA. Whether it’s cash back or saving money, we reward our members and communities more and more each year.
- [Overdraft Protections](https://aplusfcu.org/services/member-services/overdraft-protections) - A+FCU offers three related overdraft protection services. You can choose one, combine options, or opt out – depending on what fits your needs.
- [Upcoming Fee Schedule](https://aplusfcu.org/upcoming-fee-schedule) - Upcoming fee schedule includes fees for personal accounts, business accounts, account servicing, other services, electronic funds transfer, and safe deposit boxes.
- [Financial Counseling](https://aplusfcu.org/guidance/balance/financial-counseling) - A+FCU is committed to your financial well-being. Together with BALANCE, we equip you with no-cost financial counseling for all your fiscal needs.
- [Auto Refinance Savings](https://aplusfcu.org/guidance/calculators/vehicle-loans/should-i-refi-auto-calculator) - How much interest can you save if you refinance your auto loan? Use this free auto refinance savings calculator to find out.
- [15- vs. 30-Year Mortgage](https://aplusfcu.org/guidance/calculators/home-loans/mortgage-compare-calculator) - Use this free 15- vs. 30-year mortgage comparison calculator to determine the best mortgage option for you.
- [Should I Refinance?](https://aplusfcu.org/guidance/calculators/home-loans/should-i-refi-calculator) - Use the free mortgage refinance calculator to determine how refinancing your mortgage can impact your monthly payment & save you interest.
- [Debt Snowball](https://aplusfcu.org/guidance/calculators/personal-credit/snowball-calculator) - Use this free debt snowball calculator to determine if the snowball debt elimination method for paying off debt is right for you.
- [Debt Consolidation](https://aplusfcu.org/guidance/calculators/personal-credit/consolidate-debt-calculator) - Focused on tackling debt? Use this free debt consolidation calculator to determine if debt consolidation is right for you.
- [Buying & Selling A Home](https://aplusfcu.org/guidance/life-guidance/buy-a-home/buying-selling) - The process of buying and selling a home can be stressful — even for experienced homebuyers. A+FCU provides resources to help confidently make decisions.
- [Starting A Business](https://aplusfcu.org/guidance/life-guidance/business-finances/starting-a-business) - Starting a business can be both exciting and overwhelming. Use A+FCU resources to assist with developing a framework that best suits your needs.
- [A+ Gives](https://aplusfcu.org/about-us/community-involvement/aplus-gives) - A+ Gives is our way of giving back and celebrating our communities through volunteerism, donations, and special programs.
- [New Money Advantage Share Certificates](https://aplusfcu.org/accounts/certificates/new-money-advantage-share-certificates) - For a limited time, save with these special promo certificates with money new to A+FCU. Easy to open at an A+FCU location.
- [Scholarships](https://aplusfcu.org/about-us/community-involvement/scholarships) - The A+FCU Scholarship program provides $2,000 scholarships for current and college-bound students in Central Texas.
- [Direct Deposit & Payroll Deduction](https://aplusfcu.org/services/member-services/direct-deposit-payroll-deduction) - Make payday a breeze with direct deposit. Send your paycheck straight to your account without visiting a branch or cashing a paper check.
- [Scouting America](https://aplusfcu.org/about-us/youth-programs/scouting-america) - A+FCU is proud to partner with the Scouting America Capitol Area Council to offer financial education and membership.
- [Careers](https://aplusfcu.org/about-us/careers) - A+FCU Careers with benefits that include: competitive pay, 401(k) matching, paid time off, tuition reimbursement, medical, wellness program, & more.
- [Girl Scouts](https://aplusfcu.org/about-us/youth-programs/girl-scouts) - A+FCU is proud to partner with the Girl Scouts of Central Texas (GSCTX) to offer troop accounts, individual memberships, financial education, & more.
- [Membership Savings](https://aplusfcu.org/accounts/savings/membership) - Join A+FCU and enjoy modern banking with local convenience. 20+ branches, 400+ free ATMs, and online banking.
- [Membership Savings](https://aplusfcu.org/business/business-accounts/savings) - Learn how A+FCU's commercial savings accounts can help your business grow. One of Texas' oldest and strongest credit unions. Join today!
- [Fee Schedule](https://aplusfcu.org/fee-schedule) - Fee schedule includes fees for personal accounts, business accounts, account servicing, other services, electronic funds transfer, and safe deposit boxes.
- [Saving & Planning For College](https://aplusfcu.org/guidance/life-guidance/paying-for-college/saving-planning-for-college) - As you’re saving & planning for college, use our resources to estimate costs, develop a plan, and learn about using tax-advantaged accounts to maximize funds.
- [A+FCU Membership](https://aplusfcu.org/join-aplus) - When you’re an A+FCU member, you’re also an owner with a say in your credit union. Joining is easy & comes with a variety of benefits.
- [Resources](https://aplusfcu.org/services/mobile-banking/resources) - Use these mobile banking resources and services to get the most from the A+ Mobile App and A+ Online Banking.
- [Mobile Deposit](https://aplusfcu.org/services/mobile-banking/mobile-deposit) - Easily deposit your checks on the go with Mobile Check Deposit through the award-winning A+ Mobile App and save yourself a trip to a branch.
- [Contests](https://aplusfcu.org/guidance/balance/contests) - Through our partnership, A+FCU offers BALANCE contests to reward you for taking measures to improve your financial health. Get the details on prizes.
- [Health Savings Accounts](https://aplusfcu.org/accounts/investments/hsas) - Health Savings Accounts (HSAs) can be used with qualifying high-deductible healthcare plans to save money for qualified medical expenses.
- [Rates](https://aplusfcu.org/guidance/rates) - Compare A+FCU loan rates, saving rates, certificates rates, and more.
- [Community Support](https://aplusfcu.org/about-us/community-involvement) - As an organization that puts people over profits, we value supporting our community to help Central Texas thrive through various programs.
- [Escrow Accounts](https://aplusfcu.org/loans/home-loans/escrow-accounts) - It’s important for borrowers to familiarize themselves with how escrow accounts works, associated disclosures, and important contacts and details.
- [Credit Cards](https://aplusfcu.org/loans/personal-credit/credit-cards) - A+FCU’s credit cards offer rewards & cash back, low rates, mobile purchasing, and more.
- [A+ Preferred Line Of Credit](https://aplusfcu.org/loans/personal-credit/preferred-loc) - With the A+ Preferred Line of Credit, get an open-end line of credit to cover unexpected expenses, consolidate debt, and more.
- [Personal Credit](https://aplusfcu.org/loans/personal-credit) - Need a little extra cash? As part of our commitment to your financial well-being, we’re here to help with personal loans at competitive rates.
- [RVs, Motorcycles, & More](https://aplusfcu.org/loans/vehicle-loans/rv-boat-motorcycle-powersport-loans) - A+FCU can help you get the RV or Motorcycle of your dreams. New or Refinance. Apply online or visit a local branch or one of our dealer partners.
- [Vehicle Loans](https://aplusfcu.org/loans/vehicle-loans) - A+FCU is the Vehicle Lender of Choice in Texas - Cars, Trucks, RVs, Motorcycles, etc. Apply online or at any of our hundreds of dealership partners.
- [Refinance](https://aplusfcu.org/loans/home-loans/refinance) - A+FCU can help you save on the home you’re currently in when you refinance your mortgage with us.
- [Home Loans](https://aplusfcu.org/loans/home-loans) - A+FCU - Decades of Home Lending in Central Texas - Mortgages, Refinance, & Home Equity. Apply online or at one of our 20+ branches across the area.
- [Share Certificates](https://aplusfcu.org/accounts/certificates/share-certificates) - A+FCU has high-yield share certificates & flexible terms. Perfect for all savers. Local convenience: 20+ branches, 400+ free ATMs, and online banking.
- [StartUP Certificate](https://aplusfcu.org/accounts/certificates/startup-certificate) - A+FCU has high-yield share certificates with flexible terms. Perfect for new savers. Local convenience: 20+ branches, 400+ free ATMs, and online banking.
- [Certificates](https://aplusfcu.org/accounts/certificates) - A+FCU has high-yield share certificates with flexible terms. Local convenience: 20+ branches, 400+ free ATMs, and online banking.
- [Savings Accounts](https://aplusfcu.org/accounts/savings) - A+FCU has high-yield savings accounts. Modern banking with local convenience. 20+ branches, 400+ free ATMs, and online banking.
- [A+ Checking](https://aplusfcu.org/accounts/checking/aplus-checking) - A+FCU has a dividend-earning checking account. Modern banking with local convenience. 20+ branches, 400+ free ATMs, and online banking.
- [Checking Accounts](https://aplusfcu.org/accounts/checking) - A+FCU has several options for checking accounts. Open an account today or visit one of our 20+ branches. Get started.
- [Financial Boot Camp](https://aplusfcu.org/about-us/youth-programs/financial-boot-camp) - The free A+FCU High School Financial Boot Camp is a crash course in learning how to manage money, college, credit, saving, & more.
- [Youth Financial Camp](https://aplusfcu.org/about-us/youth-programs/financial-camp) - A+FCU’s free, award-winning Youth Financial Camp focuses on age-appropriate interactive lessons and activities to teach personal finance.
- [Accounts](https://aplusfcu.org/accounts) - A+FCU has checking and savings accounts for every financial situation. Plus the convenience of 20+ branch banks, 400+ free ATMs, and online banking.
- [Insurance & Protection](https://aplusfcu.org/services/member-services/insurance-protection) - Protect everything that matters with auto, home, life, and AD&D insurance. Get a quote to see how much you can save by being an A+FCU member.
- [About the Foundation](https://aplusfcu.org/educators/education-foundation/about) - A+FCU’s philanthropic arm, the A+ Education Foundation, was formed to provide charitable grants to educators. Find out how to magnify its impact.
- [Grants Program](https://aplusfcu.org/educators/education-foundation/grants-program) - The A+ Education Foundation Grants Program awards grants of up to $1,500 to eligible educators for materials, training, and other needs.
- [Educator Loans](https://aplusfcu.org/educators/loans) - A+FCU was started for educators, and we’re still 100% committed to doing right by them with special educator loan programs and discounts.
- [Individual Retirement Accounts](https://aplusfcu.org/accounts/investments/iras) - Individual Retirement Accounts (IRAs) to meet your financial needs. Save for your retirement or long-term goals with one of our individual retirement accounts.
- [Resources](https://aplusfcu.org/services/online-banking/resources) - Use these online banking resources and services to get the most from A+ Online Banking and the A+ Mobile App.
- [Contact Us](https://aplusfcu.org/about-us/contact-us) - Whenever you need help with your financial needs, plans, goals, or hopes and dreams, we’re ready to help with plenty of ways to contact us.
- [Summer Saving Program](https://aplusfcu.org/about-us/youth-programs/summer-saving-program) - A+FCU invites youth members, ages 12 and under, to join the Summer Saving Program fun and save all summer long for a chance to win big!
- [Checking Accounts](https://aplusfcu.org/business/business-accounts/checking) - Learn how A+FCU's commercial checking accounts can help your business grow. One of Texas' oldest and strongest credit unions. Join today!
- [Contact Us](https://aplusfcu.org/business/business-services/contact-us) - Contact Business Services for questions and help with business checking, savings, loans, and other services.
- [Youth Month](https://aplusfcu.org/about-us/youth-programs/youth-month) - During the month of April, we invite youth ages 17 and under to join us in celebrating Youth Month by saving money to earn special prizes!
- [Educator Resources](https://aplusfcu.org/educators/resources) - A+FCU is committed to supporting educators with free, fun, & engaging resources & programs to help cover financial literacy standards.
- [Debit Cards](https://aplusfcu.org/services/member-services/debit-cards) - Take advantage of surcharge-free ATMs and flexible payment methods using your A+FCU debit card.
- [Zelle®](https://aplusfcu.org/services/mobile-banking/zelle) - Zelle® is a convenient way to send and receive money with friends, family and others you trust. Now available in the A+ Mobile App.
- [Make A Payment](https://aplusfcu.org/make-a-payment) - Easily make a loan payment online, in person, over the phone, or by mail.
- [PlusPoints](https://aplusfcu.org/about-us/member-benefits/plus-points) - Our PlusPoints Member Rewards Program is designed to reward our members and help them save money, earn more money, or both!
- [Raising Money-Smart Kids](https://aplusfcu.org/guidance/life-guidance/family-finances/raising-money-smart-kids) - Raise money-smart kids with our tips and age-appropriate resources that’ll help your child develop money management skills.
- [A+ Wealth Management](https://aplusfcu.org/accounts/investments/aplus-wealth-management) - Feel confident investing in your future with A+ Wealth Management. Together, we’ll create an investment strategy tailored to you.
- [Real Estate Loans](https://aplusfcu.org/business/business-loans/real-estate) - Learn how A+FCU's commercial real estate loans will help your business grow & succeed. One of Texas' oldest and strongest credit unions. Join today!
- [Health Savings Accounts](https://aplusfcu.org/business/business-services/hsas) - Improve your business’ employee benefits by offering a Health Savings Account (HSA) along with your high-deductible health plan.
- [Business Bill Pay](https://aplusfcu.org/business/business-services/business-bill-pay) - Make paying your bills easy with Business Bill Pay. Conveniently and securely pay bills with our online bill pay services.
- [Cash Management](https://aplusfcu.org/business/business-services/cash-management) - Learn how A+FCU's business cash management services can help your venture succeed & grow. One of Texas' oldest and strongest credit unions. Join today!
- [Merchant Services](https://aplusfcu.org/business/business-services/merchant-services) - Learn how A+FCU's business merchant services can help your venture succeed & grow. One of Texas' oldest and strongest credit unions. Join today!
- [Member Discounts](https://aplusfcu.org/about-us/member-benefits/member-discounts) - At A+FCU, we want to help our members save money any way we can, which is why we offer exclusive member discounts.
- [Select Employee Groups](https://aplusfcu.org/about-us/member-benefits/select-employee-groups) - As a Select Employee Group (SEG) partnered with A+FCU, extend the many benefits of credit union membership to your staff as a free employee benefit.
- [Educators](https://aplusfcu.org/educators) - A+FCU was started for educators and we’re still 100% committed to doing right by them, in and out of the classroom.
- [Site Map](https://aplusfcu.org/site-map) - A+FCU's sitemap page provides a helpful 10,000-foot view of how the website is organized with convenient links to quickly get you to the content you want.
- [Alerts](https://aplusfcu.org/alerts) - A+FCU provides news alerts across the pages of its website to keep members and visitors informed about timely events, credit union hours, and organization news.
- [Before You Buy A Car](https://aplusfcu.org/guidance/life-guidance/buying-a-vehicle/before-you-buy) - Get expert advice on car buying from A+FCU, one of Texas' oldest and strongest credit unions. Understand costs, financing, and negotiation strategies before you buy.
- [Member Surveys](https://aplusfcu.org/member-surveys) - We need your help to provide even better products and services.
- [Golden Apple Club](https://aplusfcu.org/about-us/member-benefits/golden-apple-club) - Our Golden Apple Club offers exclusive perks to our members 60 and older.
- [Saving For Retirement](https://aplusfcu.org/guidance/life-guidance/retirement/saving-for-retirement) - Saving for retirement can be daunting, especially early on. Dive into A+FCU resources to better understand your options and use time to your advantage.
- [Home Loan Calculators](https://aplusfcu.org/guidance/calculators/home-loans) - Find out how much home you can afford, compare types of mortgages, or determine if refinancing is right for you with our free mortgage calculators.
- [Card Management](https://aplusfcu.org/services/online-banking/card-management) - Securely manage your debit card using controls and alerts with our free online tool, Card Management.
- [Mobile Banking](https://aplusfcu.org/services/mobile-banking) - Learn how A+FCU's mobile banking apps + services can save you time and money every month. One of Texas' oldest and strongest credit unions. Join today!
- [Online Banking](https://aplusfcu.org/services/online-banking) - A+FCU has 24/7 online banking services, bill pay, and financial analysis tools. One of Texas' oldest and strongest credit unions. Join today!
- [Financial Tools](https://aplusfcu.org/services/online-banking/financial-tools) - Our Personal Financial Management Tools make it easy for you to track your spending in one central place. Use our free tools to help review your finances.
- [Mobile Wallet](https://aplusfcu.org/services/mobile-banking/mobile-wallet) - Set up Mobile Wallet to easily and conveniently make purchases from your smartphone, tablet, or smartwatch.
- [Partner Dealerships](https://aplusfcu.org/loans/vehicle-loans/partner-dealerships) - We work closely with a number of auto, vehicle, & RV partner dealerships in Texas to provide our members with the best prices and service.
- [Bill Pay](https://aplusfcu.org/services/online-banking/bill-pay) - With Bill Pay, easily pay your bills through A+ Online Banking or the A+ Mobile App. Stay on track with text and email reminders.
- [After College Graduation](https://aplusfcu.org/guidance/life-guidance/paying-for-college/after-college-graduation) - A+FCU has resources to help manage student loans after college graduation – explore everything from repayment plans to loan forgiveness and relief.
- [Going To College](https://aplusfcu.org/guidance/life-guidance/paying-for-college/going-to-college) - Use the Going To College toolkit to arm yourself with tips for building a strong financial foundation during your college years.
- [College Financial Aid](https://aplusfcu.org/guidance/life-guidance/paying-for-college/college-financial-aid) - Prepare to apply for college financial aid with these tips on navigating the FAFSA application, scholarships, loans, and more.
- [Having A Baby](https://aplusfcu.org/guidance/life-guidance/family-finances/having-a-baby) - Having a baby requires adapting your finances. Use our resources to help you plan as you review benefits, budgets, and more.
- [Getting Married](https://aplusfcu.org/guidance/life-guidance/family-finances/getting-married) - Getting married is a joyous occasion but requires careful planning. Keep these considerations in mind to prepare your finances for the big day and beyond.
- [First-Time Homebuyer](https://aplusfcu.org/guidance/life-guidance/buy-a-home/first-time-homebuyer) - Everything you need to know to buy your first home. A+FCU is one of Texas' oldest & strongest credit unions. Learn more.
- [Credit & Debt Calculators](https://aplusfcu.org/guidance/calculators/personal-credit) - Our free credit & debt calculators can help you compare loans, determine how much debt you have, and explore ways to pay down that debt.
- [Loan Comparison](https://aplusfcu.org/guidance/calculators/personal-credit/compare-loan-calculator) - Use this free loan comparison calculator to sort through the monthly payments, fees, and other costs associated with getting a new loan.
- [Roth 401(k) vs. Traditional 401(k)](https://aplusfcu.org/guidance/calculators/investments/roth-vs-traditional-401k-calculator) - Use this free Roth 401(k) vs. Traditional 401(k) calculator to help determine if a 401(k) is an effective retirement tool for you.
- [Business Line of Credit](https://aplusfcu.org/business/business-loans/line-of-credit) - Learn how A+FCU's business lines of credit will help your business grow & succeed. One of Texas' oldest and strongest credit unions. Join today!
- [Secured & Unsecured Loans](https://aplusfcu.org/business/business-loans/secured-unsecured) - Secured & Unsecured Business Loans to help start or grow your business. One of Texas' oldest and strongest credit unions. Join today!
- [Credit Score](https://aplusfcu.org/services/online-banking/credit-score) - A+FCU members now receive free access to their VantageScore® 4.0 credit score each month. Log in to A+ Online Banking to track.
- [(Re)Building Credit](https://aplusfcu.org/guidance/life-guidance/personal-finances/rebuilding-credit) - Credit is important and factored into many decisions. A+FCU has resources to help you better understand the basics of credit reports and credit scores.
- [Annual Escrow Account Disclosure Statement](https://aplusfcu.org/loans/home-loans/escrow) - Your Annual Escrow Account Disclosure Statement provides you with details about your escrow account and the changes to your monthly escrow payment.
- [TEST - CL](https://aplusfcu.org/test-cl)
- [Budgeting](https://aplusfcu.org/guidance/life-guidance/personal-finances/budgeting) - A+FCU is ready to help you take control of your finances with step-by-step guide to budgeting and tips to follow.
- [Debt](https://aplusfcu.org/guidance/life-guidance/personal-finances/debt) - Let A+FCU help you get out of debt and reach your goals with tools for evaluating your debt load, developing a repayment strategy, and staying committed.
- [Retirement](https://aplusfcu.org/guidance/life-guidance/retirement) - A+FCU has been helping our members plan and save for retirement since 1949. These resources can help people get the most out of their investments at any age.
- [Dealer Financing vs. Credit Union Financing](https://aplusfcu.org/guidance/calculators/vehicle-loans/cu-auto-rebate-calculator) - Use this free vehicle financing calculator to help you compare financing between your credit union and dealer financing.
- [Lease vs. Buy A Car](https://aplusfcu.org/guidance/calculators/vehicle-loans/buy-vs-lease-calculator) - Should you lease or buy your car? Use this free lease vs. buy a car calculator to help you make a decision.
- [Car Loan Payment](https://aplusfcu.org/guidance/calculators/vehicle-loans/auto-loan-calculator) - Use this free car loan payment calculator to help estimate your monthly car loan payment or your car purchase price.
- [Vehicle Loan Calculators](https://aplusfcu.org/guidance/calculators/vehicle-loans) - Our free vehicle & auto loan calculators can help determine how much car you can afford, whether to lease or buy, and more.
- [Debt Roll-Down & Student Loans](https://aplusfcu.org/guidance/calculators/personal-credit/student-rolldown-calculator) - The free debt & student loan calculator helps you develop a plan to pay off debt by consolidating and reallocating the monthly savings.
- [Debt Roll-Down](https://aplusfcu.org/guidance/calculators/personal-credit/debt-rolldown-calculator) - Use this free debt roll-down calculator to determine if the roll-down method for paying off debt is right for you.
- [How Much Do You Owe?](https://aplusfcu.org/guidance/calculators/personal-credit/debt-amount-calculator) - Use this free total debt calculator to establish how much you owe as a starting point for your debt management plan.
- [Retirement & Investing Calculators](https://aplusfcu.org/guidance/calculators/investments) - Investing in your future sets you on the path to long-term success. Use our free retirement calculators to see how your money can help.
- [HSA vs. Traditional Health Plan](https://aplusfcu.org/guidance/calculators/investments/hsa-vs-traditional-calculator) - Use this free HSA calculator to estimate possible savings from using a High Deductible Health Plan and Health Savings Account.
- [403(b) Savings](https://aplusfcu.org/guidance/calculators/investments/retire-403b-calculator) - If you work for an eligible company, see why a 403(b) is a retirement savings plan you can’t afford to pass up with this free calculator.
- [401(k) Savings](https://aplusfcu.org/guidance/calculators/investments/retire-401k-calculator) - Use this free 401(k) savings calculator to see why this is a retirement savings plan you can’t afford to pass up.
- [Roth IRA vs. Traditional IRA](https://aplusfcu.org/guidance/calculators/investments/roth-vs-traditional-ira-calculator) - An IRA can be an effective retirement tool. Use this free Roth vs. Traditional IRA calculator to determine which option may be right for you.
- [Retirement Savings Distribution](https://aplusfcu.org/guidance/calculators/investments/retirement-distribution-calculator) - Use this free retirement savings distribution calculator to see how long your retirement savings will last.
- [Retirement Planner](https://aplusfcu.org/guidance/calculators/investments/retirement-planner-calculator) - Have you considered how much it’ll take to secure your retirement? Use this free retirement planner calculator to help you create your retirement plan.
- [Rent vs. Buy](https://aplusfcu.org/guidance/calculators/home-loans/mortgage-rent-vs-buy-calculator) - Use this free Rent vs. Buy calculator to evaluate fees, taxes, and monthly payments to help you make a decision on whether to rent or buy a home.
- [ARM vs. Fixed-Rate Mortgage](https://aplusfcu.org/guidance/calculators/home-loans/mortgage-arm-vs-fixed-calculator) - Use this free calculator to compare an Adjustable-Rate Mortgage (ARM) to a Fixed-Rate Mortgage and determine the best option for you.
- [Mortgage Qualifier](https://aplusfcu.org/guidance/calculators/home-loans/mortgage-qualifier-calculator) - The free mortgage qualifier calculator helps you estimate your purchasing power and the associated monthly payment.
- [Mortgage Payment](https://aplusfcu.org/guidance/calculators/home-loans/mortgage-payment-calculator) - Use this free mortgage payment calculator to estimate your monthly payment and generate the projected repayment schedule.
- [Savings Calculators](https://aplusfcu.org/guidance/calculators/checking-savings) - Planning for your future? Use our free calculators to gauge your current financial standing and determine what it’ll take to reach your goals.
- [Fraud Protection](https://aplusfcu.org/guidance/life-guidance/safety-security/fraud-protection) - A+FCU helps protect your money and information with tips to help recognize scams, deter fraudsters, and take appropriate action if you fall victim.
- [Paying For College](https://aplusfcu.org/guidance/life-guidance/paying-for-college) - A+FCU is focused on education and is experienced in helping people pay for college. We've created content & tools for every aspect of college finance. Learn more.
- [Member Benefits](https://aplusfcu.org/about-us/member-benefits) - We're here for you for more than just banking. Make the most of your membership with these exclusive perks.
- [Business Finances](https://aplusfcu.org/guidance/life-guidance/business-finances) - Owning a business requires careful planning and making strategic decisions. Use these resources to better manage your business finances.
- [Family & Finances](https://aplusfcu.org/guidance/life-guidance/family-finances) - As your family grows or changes, you’ll need to reimagine your finances, how to manage them, and the dialogue surrounding the topic.
- [Life Guidance](https://aplusfcu.org/guidance/life-guidance) - Let us help you improve financial capability with life guidance for big milestones, tips to sharpen skills, and resources for understanding financial products.
- [Website & Technology Accessibility Statement](https://aplusfcu.org/website-accessibility) - A+FCU desires to provide a positive member service experience to all our members, and we aim to promote accessibility and inclusion.
- [BalanceTrack](https://aplusfcu.org/guidance/balance/balancetrack) - A+FCU member benefits include access to free educational tools, such as BalanceTrack. Use these easy-to-digest modules to learn about money management.
- [Business Finances](https://aplusfcu.org/business) - Learn how A+FCU's business banking accounts + services can help your venture succeed & grow. One of Texas' oldest and strongest credit unions. Join today!
- [Who We Are](https://aplusfcu.org/about-us) - A+FCU has been educating and helping our community since 1949. Enjoy the convenience of 20+ branches, 400+ free ATMs, and online banking.
- [Business Services](https://aplusfcu.org/business/business-services) - Learn how A+FCU's business services can help your venture succeed & grow. One of Texas' oldest and strongest credit unions. Join today!
- [Business Credit Cards](https://aplusfcu.org/business/business-loans/credit-cards) - Learn how A+FCU's business credit cards will help your business grow & succeed. One of Texas' oldest and strongest credit unions. Join today
- [Business Loans](https://aplusfcu.org/business/business-loans) - Learn how A+FCU's business loans + lines of credit will help your business grow & succeed. One of Texas' oldest and strongest credit unions. Join today!
- [Order Checks](https://aplusfcu.org/services/member-services/order-checks) - A+FCU offers members various ways to order checks.
- [Wire Transfers](https://aplusfcu.org/services/member-services/wire-transfers) - Use wire transfers to quickly and securely transfer funds from one account to another across the United States, even at non-affiliated financial institutions.
- [Member Services](https://aplusfcu.org/services/member-services) - Better manage your finances with our services to help make your life easier. Better manage your finances with our services to help make your life easier. Plus enjoy the convenience of 20+ branches, 400+ free ATMs, & online banking.
- [Services](https://aplusfcu.org/services) - Find a variety of convenient services to simplify your financial needs. Modern banking with local convenience. 20+ branches, 400+ free ATMs, & online banking.
- [Loans](https://aplusfcu.org/loans) - Major Central Texas lender, let us help you with your next big purchase. Local convenience: 20+ branches, 400+ free ATMs, and online banking.
- [Guidance](https://aplusfcu.org/guidance) - With all of life's twists and turns, we're here with guidance, tools, and resources to help you navigate through them all.
- [Buying A Vehicle](https://aplusfcu.org/guidance/life-guidance/buying-a-vehicle) - A+FCU's vehicle lending team has created the best buying guide ever. You can trust one of Texas' oldest and strongest credit unions to steer you straight.
- [Buying A Home](https://aplusfcu.org/guidance/life-guidance/buy-a-home) - Everything you need to know to buy a home. A+FCU is one of Texas' oldest & strongest credit unions - we've helped thousands of Texas home buyers. Learn more.
- [Business Accounts](https://aplusfcu.org/business/business-accounts) - Learn how A+FCU's commercial checking + savings accounts can help your business grow. One of Texas' oldest and strongest credit unions. Join today!
- [Calculators](https://aplusfcu.org/guidance/calculators) - Whether you’re evaluating debt, your retirement funds, or deciding what loans you can afford, we have a free calculator to help simplify your life.
- [College Savings](https://aplusfcu.org/guidance/calculators/checking-savings/college-savings-calculator) - Use this free college savings calculator to help develop or fine-tune your long-term college education savings plan.
- [Savings Goals](https://aplusfcu.org/guidance/calculators/checking-savings/savings-goals-calculator) - Use this free savings goal calculator to help reach your savings goal. Enter and adjust estimated contributions to see how quickly you can achieve it.
- [Blog](https://aplusfcu.org/blog) - Read the latest A+FCU blog articles for all things financial and stay up to date with industry trends, fraud alerts, and even tax-related news.
- [BALANCE](https://aplusfcu.org/guidance/balance) - Thanks to our partnership with BALANCE, you’re equipped with free financial coaching, online resources, webinars, and more to help with fiscal matters.
- [Contact Community Education](https://aplusfcu.org/educators/resources/contact) - Contact Community Education with any questions about all things education, including financial education programs, scholarships, and educator grants.
- [Safety & Security](https://aplusfcu.org/guidance/life-guidance/safety-security) - Safety and security of your personal and account information can be challenging. Use our tools and tips to help protect yourself from fraud and identity theft.
- [Personal Finances](https://aplusfcu.org/guidance/life-guidance/personal-finances) - Financial health is a key part of overall wellness. Count on us to provide the knowledge and tools you need to improve your personal finances.
- [Youth Programs](https://aplusfcu.org/about-us/youth-programs) - See how our financial programs are preparing the youth in our community for the future.
- [Investments](https://aplusfcu.org/accounts/investments) - The future is unpredictable, but planning for it doesn’t have to be. Find the right investment options to best make your funds work for you.
- [CTA Example](https://aplusfcu.org/cta-example)

## Logo Groups

- [Awards - Work Hard. People Notice](https://aplusfcu.org/blog/logo-group/awards-work-hard-people-notice)

## Landing Pages

- [Mortgage Purchase](https://aplusfcu.org/lp/mortgage-purchase) - Explore fixed-rate, adjustable-rate, and jumbo home loan options from Austin’s Best Credit Union – all with great rates, low fees, and expert guidance.
- [Home Equity Loan](https://aplusfcu.org/lp/home-equity-loan) - Access your home’s equity at a low rate with Austin’s Best Credit Union. Our quick online application makes it easy to apply and get funds to use how you choose.
- [Join A+FCU & Get More Benefits](https://aplusfcu.org/lp/b2s) - Take advantage of this special $100 joining offer when you join A+FCU, an award-winning, member-oriented credit union in Central Texas.
- [Join A+FCU & Live Your A+ Life](https://aplusfcu.org/lp/com50) - Take advantage of this special offer to get $50 when you join A+FCU, an award-winning, member-oriented credit union in Central Texas.
- [Auto Purchase & Refinance](https://aplusfcu.org/lp/auto-loan) - Get a low-rate Auto Loan from Austin’s Best Credit Union. Our quick online application makes it easy to apply and find out how much you can afford before you buy.
- [19-Month Share Certificate](https://aplusfcu.org/lp/19-month-share-certificate) - Do more for your savings when you bring new money to A+FCU and open an exclusive 19-Month Share Certificate. Open your account today.
- [Congratulations On Your New Loan & Welcome To A+FCU](https://aplusfcu.org/lp/new-loan) - Welcome to A+FCU. Learn how to manage your loan, make payments, and start benefiting from all the perks of membership.
- [Welcome To A+FCU](https://aplusfcu.org/lp/new-member) - Welcome to A+FCU. We know that the more we can help you, the better we’ll all be. Learn more about what your membership has to offer.
- [Member Benefits](https://aplusfcu.org/lp/membership-perks) - A+FCU offers a variety of member benefits, helpful tools, smart products, and exclusive perks designed to help support you – no matter what stage of life you’re in.
- [Member Support](https://aplusfcu.org/lp/member-support) - As your credit union, we’re here to help if you need assistance.
- [A+ Personal Loan](https://aplusfcu.org/lp/a-personal-loan) - Get a low-rate A+ Personal Loan from Austin’s Best Credit Union. Our quick online application makes it easy to apply and get funds to use how you choose.
- [Welcome To A+FCU](https://aplusfcu.org/lp/business-member) - Welcome to A+FCU. We know the more we help your business thrive, the better we’ll all be. Learn more about what your business membership has to offer.
- [Leave Us A Review](https://aplusfcu.org/lp/leave-us-a-review) - Share your experience at A+FCU. Select the branch you visited to leave us a review and help us continue providing A+ service to our members.
- [Approved Vehicle Loans](https://aplusfcu.org/lp/approved-vehicle-loans) - If you’ve been approved to purchase or refinance a vehicle loan, use this information to finish the closing process.
- [TEST-Nomad](https://aplusfcu.org/lp/test-nomad)
- [Smart Cents](https://aplusfcu.org/lp/smart-cents) - Get free expertly crafted guidance for all of life’s turning points with Smart Cents videos and resources.

## Branches

- [Connally High School Branch](https://aplusfcu.org/locations/connally-high-school) - Full-service on-campus branch bank located in Connally HS in Pflugerville, TX. Open to students & public Mon-Fri., 1 – 5 pm during school days.
- [Hendrickson High School Branch](https://aplusfcu.org/locations/hendrickson-high-school) - Full-service in-school branch bank located in Hendrickson HS in Pflugerville, TX. Open to students & public Mon-Fri., 1 – 5 pm during school days.
- [Akins High School Branch](https://aplusfcu.org/locations/akins-high-school) - Full-service on-campus branch bank located inside Akins HS in Austin, TX. Open to students & public Mon-Fri., 1 – 5 pm during school days.
- [Round Rock High School Branch](https://aplusfcu.org/locations/round-rock-high-school) - Full-service in-school branch bank located at Round Rock HS, in Round Rock, TX. Open to students & public Mon-Fri., 1 - 5 pm during school days.
- [San Marcos High School Branch](https://aplusfcu.org/locations/san-marcos-high-school) - Full-service in-school branch bank located at San Marcos HS in San Marcos, TX. Open to students & public Mon-Fri., 1 - 5 pm during school days.
- [Trails at 620 Branch](https://aplusfcu.org/locations/trails-at-620) - Full-service lobby & drive-thru banking (Mon-Sat) at our Trails @ 620 branch on FM 620 in West Austin. Surcharge-Free ATM. Schedule a lobby appt. online today.
- [Southwest Austin Branch](https://aplusfcu.org/locations/southwest) - Full-service lobby & drive-thru banking (Mon-Sat) at our Southwest Austin Branch on William Cannon. Surcharge-Free ATM. Schedule lobby appt. online today.
- [South Austin Branch](https://aplusfcu.org/locations/south) - Full-service lobby & drive-thru banking (Mon-Sat) at our South Austin Branch on Stassney Ln. Surcharge-Free ATM. Schedule a lobby appt. online today.
- [San Marcos Branch](https://aplusfcu.org/locations/san-marcos) - Full-service lobby & drive-thru banking (Mon-Sat) at our San Marcos, TX branch on Thorpe Ln. west of IH 35. Surcharge-Free ATM. Schedule a lobby appt. today.
- [Round Rock Branch](https://aplusfcu.org/locations/round-rock) - Full-service lobby & drive-thru banking (Mon-Sat) at our Round Rock, TX Branch on Mays St. Surcharge-Free ATM. Schedule lobby appt. online today.
- [Pflugerville Branch](https://aplusfcu.org/locations/pflugerville) - Full-service lobby & drive-thru banking (Mon-Sat) at our Pflugerville, TX branch on FM 1825. Surcharge-Free ATM. Schedule lobby appt. online today.
- [Northwest Hills Branch](https://aplusfcu.org/locations/northwest-hills) - Full-service lobby & drive-thru banking (Mon-Sat) at our Northwest Hills Branch on North Hills Dr. Surcharge-Free ATM. Schedule a lobby appt. online today.
- [North Austin Branch](https://aplusfcu.org/locations/north) - Full-service lobby & drive-thru banking (Mon-Sat) at our North Austin branch on Hwy 183. Surcharge-Free ATM. Schedule a lobby appt. online today.
- [Leander Branch](https://aplusfcu.org/locations/leander) - Full-service lobby & drive-thru banking (Mon-Sat) at our Leander, TX branch on Hero Way (Old 2243). Surcharge-Free ATM. Schedule lobby appt. online today.
- [Hutto Branch](https://aplusfcu.org/locations/hutto) - Full-service lobby & drive-thru banking (Mon-Sat) at our Hutto, TX branch on HWY 79. Surcharge-Free ATM. Schedule your lobby appt. online today.
- [Harker Heights Branch](https://aplusfcu.org/locations/harker-heights) - Full-service lobby & drive-thru banking (Mon-Sat) at our Harker Heights, TX branch on Central Texas Expy. Surcharge-Free ATM. Schedule an appt. today.
- [Georgetown Branch](https://aplusfcu.org/locations/georgetown) - Full-service lobby & drive-thru banking (Mon-Sat) at our Georgetown Branch near IH 35 and University Dr. Surcharge-Free ATM. Schedule an appt. online today.
- [Cedar Park Branch](https://aplusfcu.org/locations/cedar-park) - Full-service lobby & drive-thru banking (Mon-Sat) at our Cedar Park Branch on FM 1431 off 183A Toll. Surcharge-Free ATM. Schedule lobby appt. online today.
- [Bee Cave Branch](https://aplusfcu.org/locations/bee-cave) - Full-service lobby & drive-thru banking (Mon-Sat) at our FM 620 and Ladera Blvd. branch in Bee Cave. Surcharge-Free ATM. Schedule lobby appt. online today.
- [Bastrop Branch](https://aplusfcu.org/locations/bastrop) - Full-service lobby & drive-thru banking (Mon-Sat) at our Bastrop Branch on Burleson Crossing. Surcharge-Free ATM. Schedule a lobby appt. online today.
- [Buda Branch](https://aplusfcu.org/locations/buda) - Full-service lobby & drive-thru banking (Mon-Sat) at our Buda Branch on IH 35 near Main St. Surcharge-Free ATM. Schedule lobby appt. online today.
- [290/Main Branch](https://aplusfcu.org/locations/290-main-branch) - Full-service lobby & drive-thru banking (Mon-Sat) at our Hwy 290 Main branch in Central Austin. Surcharge-Free ATM. Schedule a lobby appt. online today.