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Personal Credit

A+ Holiday Loan

Get the funds you need for the holidays with the A+ Holiday Loan.

Coming This Fall

The A+ Holiday Loan provides $1,500 for your holiday or end-of-year needs. To qualify for the A+ Holiday Loan, you must meet the following criteria when you apply:

The A+ Holiday Loan will be available November 2024.

Membership required. Programs, rates, terms, and conditions are subject to change without notice. APR as low as 15.90% APR if automatic payments are elected; all other loans get 18.00% APR. APR = Annual Percentage Rate. 15.90% APR is for 12 months. Cannot use PlusPoints to lower rate. With the as low as rate of 15.90% APR, payment terms are $9.07 per $100 per month for 12 months. Rates as of and subject to change without notice. Maximum 18.00% APR. One A+ Holiday Loan per member. Associations and businesses are not eligible. Some exclusions may apply. Offer valid 11.1.2024 – 12.31.2024.

*A+ Holiday Loan account requirements include: no negative share accounts; no A+FCU loans past due more than 30 days; no late payments of more than 60 days on any open A+FCU loan or any A+FCU loan closed within the last 36 months; no more than $250 in non-sufficient funds (NSF) fees year-to-date (YTD) on current checking accounts and any checking account closed within the past calendar year; no share or loan accounts charged off with A+FCU; no foreclosures or repossessions with A+FCU; no bankruptcies; only one open Holiday product permitted (any remaining Holiday Line of Credit balances must be paid off and closed as new Holiday Loan is funded).

Beginning October 7, 2024, any Holiday Line of Credit will close once they reach a $0.00 balance.

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Enjoy Member Benefits

Get Paid Up To Two Days Early

With your direct deposit at A+FCU, enjoy benefits such as an early payday, special product offers, and more.

Compare Personal Credit Options

A+ Personal Loan

Enjoy the freedom to choose how 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.

Learn More – A+ Credit Cards

*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 cancelled. $16.08 per $1,000 per month for 84 months. Minimum loan amount of $2,500. Terms from 6-84 months. Maximum 18.00% APR. Rates as of 7.18.2024.

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 7.18.2024, 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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Enjoy more freedom with your money. Use an A+ Personal Loan for your personal expenses at a great low rate.

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