--- title: "A+ Credit Union Rates (Nov 2026): HELOC 5.50%" description: "A+ Credit Union rates today: HELOC from 5.50% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join A+ Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/texas/a" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # A+ Credit Union Rates (Nov 2026): HELOC 5.50% ### Mortgage rates 29 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed 2** 30 year fixed | — APR | 6.990% | — | Standard | | **30-Year Jumbo Fixed 3** 30 year fixed | — APR | 7.000% | — | Standard | | **15-Year Fixed 2** 15 year fixed | — APR | 6.500% | — | Standard | | **15-Year Jumbo Fixed 3** 15 year fixed | — APR | 6.750% | — | Standard | | **5/5 ARM 2** 5 5 arm | — APR | 6.000% | — | Standard | | **$2,241.09 Per Month For Initial Fixed Rate Period (10 Years) 4** 10 year fixed | — APR | 6.625% | — | Standard | | **$2,270.09 Per Month For Initial Fixed Rate Period (10 Years) 4** 10 year fixed | — APR | 6.750% | — | Standard | | **10/10 ARM 2** 10 10 arm | — APR | 6.750% | — | Standard | | **20-Year Fixed 2** 20 year fixed | — APR | 6.875% | — | Standard | | **Mortgage Purchase** other | — APR | 6.000% | — | Standard | | **$2,098.43 Per Month For Initial Fixed Rate Period (5 Years) 4** other | — APR | 6.000% | — | Standard | | **$3,048.88 Per Month For 15 Years** other | — APR | 6.500% | — | Standard | | **$2,635.33 Per Month For 20 Years** other | — APR | 6.625% | — | Standard | | **$3,996.48 Per Month For 10 Years** other | — APR | 6.625% | — | Standard | | **$7,371.30 Per Month For 15 Years** other | — APR | 6.750% | — | Standard | | **$4,018.84 Per Month For 10 Years** other | — APR | 6.750% | — | Standard | | **$2,299.25 Per Month For 30 Years** other | — APR | 6.875% | — | Standard | | **$2,687.35 Per Month For 20 Years** other | — APR | 6.875% | — | Standard | | **$5,472.22 Per Month For 30 Years** other | — APR | 6.875% | — | Standard | | **$2,326.21 Per Month For 30 Years** other | — APR | 6.990% | — | Standard | | **$5,541.97 Per Month For 30 Years** other | — APR | 7.000% | — | Standard | | **30-Year Fixed Refinance 2** 30 year fixed | — APR | 6.990% | — | Standard | | **30-Year Jumbo Fixed Refinance 3** 30 year fixed | — APR | 7.000% | — | Standard | | **15-Year Fixed Refinance 2** 15 year fixed | — APR | 6.500% | — | Standard | | **15-Year Jumbo Fixed Refinance 3** 15 year fixed | — APR | 6.750% | — | Standard | | **5/5 ARM Refinance 2** 5 5 arm | — APR | 6.000% | — | Standard | | **10-Year Fixed Refinance 2** 10 year fixed | — APR | 6.750% | — | Standard | | **10/10 ARM Refinance 2** 10 10 arm | — APR | 6.750% | — | Standard | | **20-Year Fixed Refinance 2** 20 year fixed | — APR | 6.875% | — | Standard | A+ Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 6 offers | Product | Published | Rate | Term / condition | Status | | **36-Month Auto Loan** auto_any_36mo | — APR | 5.490% | 36 mo | Standard | | **$30.19 Per $1,000 Per Month For 36 Months** auto_any_36mo | — APR | 5.490% | 36 mo | Standard | | **$17.59 Per $1,000 Per Month For 66 Months** auto_any_66mo | — APR | 5.490% | 66 mo | Standard | | **$15.39 Per $1,000 Per Month For 78 Months** auto_any_78mo | — APR | 5.740% | 78 mo | Standard | | **$14.84 Per $1,000 Per Month For 84 Months** auto_any_84mo | — APR | 6.490% | 84 mo | Standard | | **$11.73 Per $1,000 Per Month For 120 Months** auto_any_120mo | — APR | 7.240% | 120 mo | Standard | A+ Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 14 offers | Product | Published | Rate | Term / condition | Status | | **5-Year Home Equity Loan** heloc | — APR | 5.240% | — | Standard | | **Home Equity Loan (Fixed)** heloc_fixed | — APR | 5.240% | — | Standard | | **10-Year Home Equity Loan** heloc | — APR | 5.500% | — | Standard | | **5-Year Home Equity Loan** heloc | 5.500% APR | 5.240% | — | Standard | | **10-Year Home Equity 5** heloc | 5.638% APR | 5.500% | — | Standard | | **15-Year Home Equity Loan** heloc | — APR | 5.740% | — | Standard | | **15-Year Home Equity 5** heloc | 5.838% APR | 5.740% | — | Standard | | **20-Year Home Equity Loan** heloc | — APR | 6.250% | — | Standard | | **20-Year Home Equity 5** heloc | 6.330% APR | 6.250% | — | Standard | | **25-Year Home Equity Loan** heloc | — APR | 6.490% | — | Standard | | **HELOC 6** heloc_variable | — APR | 6.490% | — | Standard | | **30-Year Home Equity Loan** heloc | — APR | 6.490% | — | Standard | | **30-Year Home Equity 5** heloc | 6.552% APR | 6.490% | — | Standard | | **25-Year Home Equity 5** heloc | 6.559% APR | 6.490% | — | Standard | A+ Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **A+ Preferred Line of Credit** ploc_variable | — APR | 9.990% | — | Standard | | **$32.26 Per $1,000 Per Month For 36 Months** personal_unsecured_36mo | — APR | 9.990% | 36 mo | Standard | A+ Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 21 offers | Product | Published | Rate | Term / condition | Status | | **$1** savings | — APY | 0.05% | — | Standard | | **$10** savings | — APY | 0.30% | — | Standard | | **Variable Rate 4** savings | — APY | 0.30% | — | Standard | | **Share Certificates Rates Table (6 month)** share_certificate_6mo | — APY | 3.95% | 6 mo | Standard | | **IRA Certificates rate table (12 month)** ira_cd_12mo | — APY | 4.05% | 12 mo | Standard | | **Share Certificates Rates Table (12 month)** share_certificate_12mo | — APY | 4.05% | 12 mo | Standard | | **Share Certificates Rates Table (36 month)** share_certificate_36mo | — APY | 4.10% | 36 mo | Standard | | **Share Certificates Rates Table (48 month)** share_certificate_48mo | — APY | 4.10% | 48 mo | Standard | | **Share Certificates Rates Table (24 month)** share_certificate_24mo | — APY | 4.10% | 24 mo | Standard | | **Share Certificates Rates Table (18 month)** share_certificate_18mo | — APY | 4.10% | 18 mo | Standard | | **Certificate** share_certificate | — APY | 4.10% | — | Standard | | **IRA Certificates rate table (48 month)** ira_cd_48mo | — APY | 4.10% | 48 mo | Standard | | **IRA Certificates rate table (36 month)** ira_cd_36mo | — APY | 4.10% | 36 mo | Standard | | **IRA Certificates rate table (24 month)** ira_cd_24mo | — APY | 4.10% | 24 mo | Standard | | **IRA Certificates rate table (18 month)** ira_cd_18mo | — APY | 4.10% | 18 mo | Standard | | **37-Month New Money Advantage Certificate 4** share_certificate_37mo | — APY | 4.15% | 37 mo | Standard | | **19-Month New Money Advantage Certificate 4** share_certificate_19mo | — APY | 4.15% | 19 mo | Standard | | **IRA Certificates rate table (60 month)** ira_cd_60mo | — APY | 4.25% | 60 mo | Standard | | **Share Certificates Rates Table (60 month)** share_certificate_60mo | — APY | 4.25% | 60 mo | Standard | | **StartUP Certificate Rates Table (12 Months)** share_certificate_12mo | — APY | 5.00% | 12 mo | Standard | | **StartUP IRA 3** ira | — APY | 5.12% | — | Standard | A+ Credit Union savings & cd rates as of November 12, 2026 ### Other rates 12 offers | Product | Published | Rate | Term / condition | Status | | **$15.16 Per $1,000 Per Month For 78 Months** other | — % | 5.240% | — | Standard | | **Today’s Featured Rates** other | — % | 5.240% | — | Standard | | **$30.08 Per $1,000 Per Month For 36 Months** other | — % | 5.240% | — | Standard | | **$17.47 Per $1,000 Per Month For 66 Months** other | — % | 5.240% | — | Standard | | **As low as 5.500%** other | — % | 5.240% | — | Standard | | **As low as 5.638%** other | — % | 5.500% | — | Standard | | **As low as 5.838%** other | — % | 5.740% | — | Standard | | **$14.51 Per $1,000 Per Month For 84 Months** other | — % | 5.790% | — | Standard | | **As low as 6.330%** other | — % | 6.250% | — | Standard | | **As low as 6.552%** other | — % | 6.490% | — | Standard | | **As low as 6.559%** other | — % | 6.490% | — | Standard | | **As low as 6.490%** other | — % | 6.490% | — | Standard | A+ Credit Union other rates as of November 12, 2026 HELOC rates from 5.5% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/texas/a) , verified from [A+ Credit Union's official website](https://aplusfcu.org/) Best product position **Better than the Texas median** HELOC Gap to state best **25 bp** 25 bp from state best Vs. state median **75 bp better than median** HELOC Products ranked **1** across tracked Texas markets | Product | Published APR | Position | Vs. state best | Vs. state median | | HELOC | 5.50% | Better than the Texas median | 25 bp from state best | 75 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim A+ Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=a&state=texas&code=TX&name=A%2B%20Credit%20Union) Loading branch locator… ## About A+ Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 194.1K Assets $2.6B Founded 1949 Locations reported 22 NCUA charter 6178 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Financial counseling - Financial education - First-time homebuyer program - Student scholarships - Credit-builder products Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**University** Mueller · Austin · TX · 78723-3444 About 0.8 miles away](https://rateapi.dev/credit-unions/texas/university) [**Austin Telco** HWY 290 · Austin · TX · 78723-1600 About 1.4 miles away](https://rateapi.dev/credit-unions/texas/austin-telco) [**Greater Texas** GTFCU · AUSTIN · TX · 78702 About 2.1 miles away](https://rateapi.dev/credit-unions/texas/greater-texas) [**Texas DPS** Texas DPS Credit Union · Austin · TX · 78752-2315 About 2.2 miles away](https://rateapi.dev/credit-unions/texas/texas-dps) [**Star of Texas** Star of texas Credit Union · austin · TX · 78752 About 2.4 miles away](https://rateapi.dev/credit-unions/texas/star-of-texas) [**Vatat** Star of TX CU · Austin · TX · 78752 About 2.4 miles away](https://rateapi.dev/credit-unions/texas/vatat) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join A+ Credit Union Membership eligibility from A+ Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on A+ Credit Union's website. Check the membership page below to confirm whether you qualify. Verified from [A+ Credit Union's membership page](https://open.aplusfcu.org/products) . Final membership determination is always made by the credit union. ## Work at A+ Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where A+ Credit Union ranks against Texas peers. - See which AI assistants fetched A+ Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Texas - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=a&state=texas&code=TX&name=A%2B%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does A+ Credit Union offer? A+ Credit Union currently offers mortgage, Auto loan, HELOC, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are A+ Credit Union rates updated? RateAPI verifies A+ Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get A+ Credit Union's rate data? Rate data is collected directly from A+ Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is A+ Credit Union's HELOC rate? As of November 12, 2026, A+ Credit Union offers home equity lines of credit from 5.5% APR. ### Who can join A+ Credit Union? A+ Credit Union publishes its membership criteria on its own website. ## Related Rate Data Compare A+ Credit Union's rates against national credit-union benchmarks. [More Texas credit unions](https://rateapi.dev/credit-unions/texas) [Texas mortgage rate leaders](https://rateapi.dev/mortgage-rates/texas) [Texas auto loan rate leaders](https://rateapi.dev/auto-loan-rates/texas) [Texas HELOC rate leaders](https://rateapi.dev/heloc-rates/texas) [Texas personal loan leaders](https://rateapi.dev/personal-loan-rates/texas) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://aplusfcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track A+ Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Texas credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for A+ Credit Union curl "https://api.rateapi.dev/credit-unions/texas /a " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## A+ Credit Union locations Search, filter, and browse all 22 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/texas/a Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp