Educator Loans

*APR=Annual Percentage Rate. Membership required. Loan available annually from July 15 through September 30 for certified teachers, librarians, and counselors. Payment must be made through automatic transfer from an A+FCU savings or checking account to receive the 0.00% rate. Direct deposit required (minimum $300). Limit one loan of this type at any one time. Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. Maximum loan amount is $500. A+FCU member must meet Classroom Cash Loan requirements including: no negative shares; all loans current; no late payments >60 days on any open A+FCU loan; no late payments >60 days on any A+FCU loan closed within the last 36 months; no current or prior charge offs with A+FCU; maximum of $250 in non-sufficient funds (NSF) fees year-to-date on current checking accounts and any checking account closed within the past year; no current or prior bankruptcy status.

†Membership required. Must be a certified educator to qualify. Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. NMLS #405608.

‡Membership required. Direct deposit, employment, and income verification required. Programs, rates, terms, and conditions are subject to change without notice. A+FCU Member’s share accounts must be positive and all loans must be current.