Credit Cards
We know needs and wants are different for everyone when it comes to credit cards, and we’re here to help you find the best one for your lifestyle and finances.
The Right Card For You
Choosing the right credit card is easier than ever. Whether you want to pay down balances faster, maximize cash back, earn rewards, or begin building your credit history, we have the ideal card for you.
No matter which card you choose, you’ll enjoy important features like:
- Convenient and Flexible Purchasing Power, with your card accepted at millions of locations worldwide
- Mobile Purchasing Capability for added convenience
- Zero Fraud Liability* – you won’t be liable for fraudulent purchases if your card is lost or stolen
- Cardmember Service available 24 hours a day/365 days per year
*Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.
The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and MasterCard International Incorporated. MasterCard is a registered trademark, and the circles design is a trademark of MasterCard International Incorporated.
Personal Credit
Evaluating your personal finances can be intimidating. Use our calculators to easily compare loans, determine how much debt you have, and explore ways to pay down that debt.
Compare Personal Credit Options
A+ Personal Loan
Enjoy the freedom to choose how you want to use the funds with multiple terms up to 84 months and low, fixed rates.
As Low As APR*
8.99%†
A+ Preferred Line Of Credit
Get the flexibility of a revolving line of credit which allows ongoing advances up to your credit limit and the freedom to use the funds for any purpose.
As Low As APR*
9.99%‡
A+ Credit Cards
Whether you want to pay down balances faster, maximize cash back, earn rewards, or begin building your credit history, we have the ideal card for you.
*APR=Annual Percentage Rate.
†8.99% APR is for up to 36 months and includes 0.25% rate reduction for automatic payment from A+FCU account or electronic funds transfer from another financial institution. Cannot use PlusPoints to lower rate. Actual rate may vary depending on each individual’s credit history and underwriting factors. Rate may increase if automatic payment is canceled. $31.80 per $1,000 per month for 36 months. Terms from 6-84 months. Maximum 18.00% APR.
‡The Annual Percentage Rate (APR) is variable and is based upon an index plus a margin. The APR will vary with Prime Rate (the index) as published in the Wall Street Journal. As of 2.11.2025, the variable A+ Preferred Line of Credit APR ranges from 9.99% to 17.75% APR and the margin varies based on creditworthiness. Excellent credit is required to qualify for the lowest rates. Cannot use PlusPoints to lower rate.
Membership required. Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. Rates are subject to credit score and normal credit underwriting factors. Cannot have both an open A+ Line of Credit and an open A+ Preferred Line of Credit. A+ Preferred Line of Credit is an open-ended line of credit. Minimum loan amount of $1,500 for A+ Personal Loan and A+ Preferred Line of Credit. Rates as of 2.11.2025.
Rates & Resources
To keep you from having to do all the math, we’ve provided rates & calculators for all kinds of situations.
(Re)Building Credit
Credit is factored into many decisions, including loan approvals, housing applications, insurance rates, and employment opportunities. To obtain the most favorable outcomes, it’s important to understand the basics of credit scores and credit reports.
Debt
To get out of debt, you need to be intentional with your money. Reach your goals faster with our tools for evaluating your debt load, developing a repayment strategy, and staying committed.
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Apply For A Personal Loan
Enjoy more freedom with your money. Use an A+ Personal Loan for your personal expenses at a great low rate.