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Personal Credit

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:

Explore Credit Card Options

*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.

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Financial Calculators

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*

Learn More – A+ Personal Loan

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*

Learn More – A+ Preferred Line Of Credit

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 84 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. $16.08 per $1,000 per month for 84 months. Rates as of 5.24.2024.

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 5.24.2024, the variable A+ Preferred Line of Credit APR ranges from 10.99% to 18.00% APR and the margin varies based on creditworthiness. Excellent credit is required to qualify for the lowest rates.

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.


Rates & Resources

To keep you from having to do all the math, we’ve provided rates & calculators for all kinds of situations.

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Life Guidance for:

(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.

A woman holding a cell phone and a credit card.
Life Guidance for:


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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Fund Your Plans

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.

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