Products

At A+FCU, we offer a variety of loans designed specifically for educators. To learn more about these programs, click to expand.

Bridge Loan

The Bridge Loan is available to newly hired school district teachers or administrators, in our field of membership, who are paid once a month to help meet cash needs until you receive your first paycheck from the school district.

Features

  • Short term
  • Low interest
  • Receive up to 75% of your gross monthly income

Need more information?

   

Or call 800.252.8148 to speak with a lending professional.

Membership required. Direct deposit, employment and income verification required. Programs, rates, term conditions, and approvals are subject to change without notice.

Classroom Cash Loan

The Classroom Cash Loan gives you cash for out-of-pocket expenses that come along with the start of a new school year.

Features

  • Get up to $500 for classroom supplies
  • 0% APR financing

Requirements

  • Loan available from 7.15.16-9.30.16 for teachers and librarians only
  • Payment must be made through payroll deduction or automatic transfer from an A+FCU savings or checking account
  • Direct deposit required
  • Limit one loan of this type at any one time

Need more information?

   

Or call 800.252.8148 to speak with a lending professional.

Membership required. APR=Annual Percentage Rate. Loan must be repaid by automatic payment or normal rate will apply. $300 minimum Direct Deposit per pay period required. Limit one loan of this type at any one time. A+FCU accounts and loans must be in good standing. Programs, rates, term conditions and approvals are subject to change without notice. Must be a teacher or librarian.

Teacher Home Buyer Loan

Are you a teacher looking to buy a home? Our Teacher Home Buyer Loan will give you a great deal on a mortgage!

Features

  • 0.25% rate reduction
  • 0.50% origination fee reduction

Need more information?

   

Or call 800.252.8148 to speak with a lending professional.

Membership required. Offer available only to teachers who meet lending criteria. A+FCU accounts and loans must be in good standing. Valid only for the purchase of owner-occupied primary residence. Not eligible with our combination loans. Automatic mortgage payment is required. Program terms and conditions are subject to change without notice. Rate reduction (automatic payment required) and loan approval based on credit score, loan-to-value, and secondary marketing underwriting results. Programs, rates, term conditions, and approvals are subject to change without notice.

Higher Education Loan Program

If you hold a bachelor’s degree or higher and are planning to pursue a post-graduate degree, the Higher Education Loan is perfect for you. Use this loan to cover education expenses for your next level degree.

Unlike federal loan programs, our Higher Education Loan Program doesn’t require half-time enrollment—so you could qualify for a loan even if you’re working toward your degree one class at a time!

Features

  • Low interest loan
  • Borrow up to $10,000
  • Easy payment method

Need more information?

   

Or call 800.252.8148 to speak with a lending professional.

Certification Loan

We offer a Teacher’s Certification Loan designed for members who wish to obtain their teaching certification through Region XIII.

Features

  • Low interest
  • Funds disbursed directly to the school at times designated by the school
  • Terms depend on school

Need more information?

   

Or call 800.252.8148 to speak with a lending professional.