Loyalty Line of Credit

A+ Loyalty Line Of Credit

The A+ Loyalty Line of Credit is designed for our members. Benefits include:

• No credit inquiry
• Funds may be used for any purpose
• Convenient, automatic annual reviews to determine credit limit increase and rate decrease eligibility

If you meet the following qualifications, log in to A+ Online Banking and select Menu > Open & Apply > A+ Loyalty Line of Credit > follow the prompts.

• Membership opened for at least 36 months
• Direct deposit of at least $1,200 per month for the past five consecutive months*
• 18 years of age or older
• Open checking account
• Meets Loyalty Line of Credit account requirements†

*Past five months does not include current calendar month.

†Loyalty Line of Credit account requirements include: no negative share accounts; 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. One Loyalty Line of Credit per member. Loan must be set up on automatic payments to receive rate discount, all other payment methods subject to 18% APR. APR = Annual Percentage Rate. Cannot use PlusPoints to lower rate. Program, rates, terms, and conditions are subject to change without notice. Associations and businesses are not eligible. Some exclusions may apply.

Compare Personal Credit Options

*APR=Annual Percentage Rate.

†Loan must be set up on automatic payments to receive rate discount, all other payment methods subject to 18% APR. Starting monthly payment is $40.00. Rate and payment are reevaluated annually.

‡9.74% 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. $16.47 per $1,000 per month for 84 months. Rates as of 5.26.2023.

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.