A+ Credit Union San Marcos TX | Low Mortgage Rates & Auto Loans

Introduction

Welcome to A+ Federal Credit Union, your trusted financial partner located at 2601 Rattler Rd Ste 100, San Marcos, TX 78666. Since our establishment in 1949, we've been dedicated to serving our community with exceptional financial products and personalized service. With a robust membership of over 188,990 individuals and total assets exceeding $2.48 billion, we take pride in empowering our members to achieve their financial goals. At A+, we understand that each member's journey is unique. Whether you're looking for competitive auto loans, reliable checking and savings accounts, or business banking solutions, our knowledgeable team is here to assist you every step of the way. Under the leadership of CEO Eric Kase and Board President Landon Spillmann, we strive to foster an environment of trust and growth. While members can visit us at our branch location, official correspondence should be sent to PO Box 14867, Austin, TX 78761-4867. Our commitment goes beyond just numbers; with total deposits of $194,717,015 and a net worth of $325,140,976, we are well-equipped to support your financial needs securely and efficiently. We invite you to explore the range of services we offer from personal loans and mortgages to online banking options designed to fit your lifestyle. Ready to take the next step? Visit our website at A+ Federal Credit Union or give us a call at 512-302-6800. Let's embark on this financial journey together!

Branch History & Mission

Welcome to A+, where we have been proudly serving the San Marcos community since our founding in 1949. Located at 2601 Rattler Rd Ste 100, San Marcos, TX 78666, our branch has grown alongside our members, evolving into a trusted financial partner for nearly 188,990 members. Over the years, we've built a legacy based on trust, accessibility, and community support. At A+, we believe in empowering individuals and families through accessible financial services. Our mission is simple yet impactful: to provide our members with the tools they need to achieve their financial goals while actively supporting the local community. We understand that every member's journey is unique, which is why we offer a range of services tailored to meet diverse needs from personal banking options like checking and savings accounts to auto loans and mortgages. We take pride in our strong commitment to technology and innovation. Our digital banking options allow members to manage their finances conveniently from anywhere. Whether it's through online banking or mobile applications, we ensure that banking is not just a task but a seamless part of your life. Our ADA-compliant facilities further highlight our dedication to inclusivity. In addition to exceptional financial services, A+ actively engages with the community through various outreach programs and partnerships. We believe in giving back and making a real difference in people's lives supporting local events, schools, and charities is just one way we fulfill this commitment. While members can visit us at 2601 Rattler Rd Ste 100 San Marcos Tx 78666, official correspondence should be sent to PO Box 14867, Austin, TX 78761-4867. Our lobby hours are convenient for busy schedules: Monday through Friday from 11:30 a.m. to 5:00 p.m., ensuring that you have ample opportunity to connect with our dedicated staff. As you explore what A+ has to offer over $2.48 billion in total assets you'll discover a credit union focused on your success. Join us today and experience firsthand how we can help you thrive financially while remaining deeply rooted in the San Marcos community. For more information or to become a member, please call us at 512-302-6800 or visit our website. Together, let's build a brighter financial future!

Branch Location & Accessibility

Accessibility and Parking

We understand that accessibility is important. Our branch is equipped with features that comply with ADA standards, ensuring everyone can visit us comfortably. There's ample parking available, making it easy for you to pop in without the hassle of searching for a spot.

Connect with Us

Have questions or need assistance? Don't hesitate to give us a call at 512-302-6800. We're eager to help! Visit us soon at A+ Federal Credit Union's San Marcos High School Branch your financial partner in the community!

Operating Hours and Services

Our lobby hours are designed to fit your busy schedule: we're open Monday through Friday from 11:30 a.m. to 5:00 p.m. Whether you need help with personal banking services, auto loans, or mortgage refinancing, our friendly staff is ready to assist you during these hours. For added convenience, we offer ATM services right here at the branch, allowing you quick access to cash whenever you need it. Please note that we do not have a drive-thru service at this location; however, our ATM is always available for your cash withdrawal needs.

Member Eligibility

Joining the A+ family is more than just opening an account; it's about becoming part of a supportive community that cares about your financial well-being. If you live, work, or attend school in our service area, you're already on your way to membership! We welcome individuals from diverse backgrounds, and even family members of existing members can join us. The process is straightforward and friendly no need for complicated paperwork or confusing steps. To learn more about eligibility details, feel free to check out this helpful link: https://aplusfcu.org/accounts/savings/membership. Ready to take the next step? Opening an account with us at A+ is easy! You can get started online by visiting https://homebanking.aplusfcu.org/aplusfederalcreditunion/sdk/aplusenrollmentardent, or simply give us a call at (512) 302-6800 if you have any questions. Our team is here to support you every step of the way as you unlock the benefits of being part of our credit union community. Come see us at 2601 Rattler Rd Ste 100 San Marcos Tx 78666, and let's start this journey together!

Business Banking & Commercial Services

Practical Merchant Services

In addition to loans, our merchant services offer real-world benefits for your day-to-day operations. Whether you need help accepting payments or managing transactions, we provide tools that simplify your processes. This means less time worrying about finances and more time focusing on what you do best running your business. Visit us at 2601 Rattler Rd Ste 100 San Marcos Tx 78666 in San Marcos, TX, or give us a call at (512) 302-6800 to learn how we can help your business flourish!

Tailored Loan Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $250 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $1 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $190,200,049, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Solutions

For local businesses, we offer tailored business banking services, including merchant services and business loans. We know how vital it is for businesses in our community to thrive, so we're committed to providing financial solutions that help them grow.

Convenient Digital Services

In today's fast-paced world, convenience is key. That's why at A+, we provide robust online and mobile banking features. You can manage your accounts from anywhere at any time whether it's checking balances, transferring funds, or paying bills all at the touch of a button. Plus, with access to an ATM right here at our branch, withdrawing cash or checking balances has never been easier.

Get Started Today!

We invite you to explore all that A+ has to offer. If you have questions or need assistance with any service, don't hesitate to reach out! Give us a call at (512) 302-6800, visit us at 2601 Rattler Rd Ste 100 San Marcos Tx 78666, or check out more information online at San Marcos High School Branch. Your financial journey starts here let's take it together!

Personal Banking Made Easy

We understand that managing your personal finances can sometimes feel overwhelming. That's why at A+, we offer an array of checking and savings accounts that make it simple to track your money and save for what matters most. Our accounts come with user-friendly features, making banking straightforward and hassle-free. When it comes to financing your next vehicle, you can rely on us for competitive auto loans and vehicle financing options. Imagine driving off the lot in your dream car without breaking the bank! We also provide various mortgage loans and refinancing solutions to help you secure your home or reduce your monthly payments.

Supporting Your Financial Journey

Life can throw unexpected challenges your way, and when it does, our personal loans and debt consolidation options are here to help ease the burden. We want our members to feel empowered when facing financial hurdles, which is why our loan processes are designed to be clear and supportive. For those looking to build their credit while enjoying great benefits, consider our credit cards with rewards. It's not just about spending; it's about earning rewards on everyday purchases!

Digital & Online Banking

Key Features for Your Convenience

One of the great features we offer is electronic signature authorization. This means you can sign important documents digitally, saving time and effort while ensuring security. Plus, with e-statements available, you'll have instant access to your financial statements without the clutter of paper. For those who enjoy using their smartphones, our mobile application makes banking even easier. You can manage your accounts on the go, and with person-to-person transfers, sending money to friends or family is straightforward and quick.

Online Banking Experience

Our online banking services are available 24/7 at https://aplusfcu.org/. Whether you need to check your balance, transfer funds, or pay bills, everything is just a click away. You can easily access your accounts and perform transactions in real-time, giving you full control over your finances without having to visit a branch.

Security You Can Trust

Security is a top priority at A+. Our online banking platform uses advanced technology to protect your personal information, ensuring that your data remains safe while you bank online. We want you to feel confident when managing your money from the comfort of home or on the move. With all these features combined, banking with us means accessibility and ease-of-use are right at your fingertips. Explore how our digital and online banking services can simplify your financial management today!

Financial Strength

A Solid Foundation

With a net worth of $325,140,976, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,304 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Growing Together

We value each of our members deeply. With a total of 456,620 share accounts, it's clear that many trust us with their finances. Net Shares (Funds available for lending and investments): $5,530,182 showcases our commitment to supporting your borrowing needs while maintaining a robust reserve for future opportunities. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, A+ is your trusted partner. Visit us at 2601 Rattler Rd Ste 100 San Marcos Tx 78666 or call (512) 302-6800 to learn more about how we can help you achieve your financial goals.

Investment in Our Community

With $313,441,166 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to community support is further reflected in our lending capacity; we have $21,941 in used auto loans and $2,119,005,048 in total loans and leases available to help meet your financial goals.

Member-Centric Savings

Members' savings are secured through $402,147,966 in share certificates and $177,823,010 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $78,587,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is evident with a net income of $0, which allows us to keep offering competitive loan rates and solid financial products for all our members. We also take pride in having 501 full-time employees and 30 part-time employees ready to assist you with any questions or needs you may have.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $361,236,991 in used vehicle loans and $112,970,046 in new vehicle loans already helping members get on the road. Whether you're after a brand-new model or a reliable used vehicle, we have financing solutions that fit your budget.

Business Loans

If you're a business owner, we also provide outstanding commercial loans totaling $190,200,049 to help grow and expand your ventures. Whether it's buying equipment or covering operational costs, our lending team can guide you through the process.

Credit Lines and Unsecured Credit Cards

For those who need extra flexibility, we offer credit lines with total amounts reaching $967,903,186. Additionally, our unsecured credit card loans help members manage their finances effectively though currently, there are no outstanding amounts in this category. These tools are designed to give you the purchasing power you need while ensuring that you remain financially stable.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We provide loans for Junior Lien 1-4 Family Residential Properties totaling $82,081,361. With our straightforward application process and helpful staff ready to assist you every step of the way, owning your dream home is within reach.

Refinancing Options

We believe that financial situations can change over time. That's why we also offer refinancing options for many of our loan products. If you're looking to lower your monthly payments or reduce interest rates on existing debts, reach out to us for personalized advice based on your circumstances. For more information about our loan offerings or to discuss eligibility options, feel free to contact us at (512) 302-6800 or visit us at our branch located at 2601 Rattler Rd Ste 100 San Marcos Tx 78666 in San Marcos, TX. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We're here to support you in achieving your financial dreams!

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. This ensures that you have access to accurate information when considering your borrowing options. LendMesh guarantees accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This is based on the latest results (Source: https://www.ncua.gov), which ensures fair and transparent offers for all users. By relying on verified financial institutions, LendMesh builds a foundation of trust and reliability in the loan comparison process. One of the key benefits of using LendMesh is its commitment to verified data. All loan offers are sourced from legitimate financial institutions, ensuring transparency in the information presented. Additionally, there are no sponsored listings; LendMesh does not prioritize lenders based on paid promotions. This means you receive truly unbiased results that reflect the best available options for your needs. Moreover, LendMesh provides real-time rate comparisons from multiple institutions. This up-to-date information empowers users to make informed decisions about their loans, maximizing savings and minimizing confusion in the often complex world of borrowing. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Testimonials like this highlight how effective LendMesh is at simplifying the borrowing process while providing significant financial benefits. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

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Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Vehicle Loans

Introduction

Branch History & Mission

Branch Location & Accessibility

Accessibility and Parking

Connect with Us

Operating Hours and Services

Member Eligibility

Business Banking & Commercial Services

Practical Merchant Services

Tailored Loan Solutions

Comprehensive List Of Services

Business Banking Solutions

Convenient Digital Services

Get Started Today!

Personal Banking Made Easy

Supporting Your Financial Journey

Digital & Online Banking

Key Features for Your Convenience

Online Banking Experience

Security You Can Trust

Financial Strength

A Solid Foundation

Growing Together

Investment in Our Community

Member-Centric Savings

Operational Efficiency

Loan Offering

Auto Loans

Business Loans

Credit Lines and Unsecured Credit Cards

Mortgage Loans

Refinancing Options

Loan Aggregator

Join Our Community