A+ Personal Loan
A+FCU has invested in our local members and communities for 75 years, and we’ll always invest in the people of Central Texas. Personal loans can be a powerful tool in helping people achieve financial well-being.
Freedom To Choose
With the A+ Personal Loan, you have the freedom to choose how you want to use the funds. Use the cash to consolidate high-interest credit card debt or for expenses like home renovations, vacations, school tuition, and more. Enjoy multiple terms up to 84 months and low, fixed rates.
| Terms | APR* | Estimated Payment Terms | |
|---|---|---|---|
| A+ Personal Loan† | 6-36 months | As low as 8.99% | $31.80 per $1,000 per month for 36 months |
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A+ Personal Loan
Enjoy the freedom to choose how you want to use the funds with multiple terms from six 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*
10.24%‡
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 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 cancelled. $31.80 per $1,000 per month for 36 months. Minimum loan amount of $1,500. 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 5.23.2025, the variable A+ Preferred Line of Credit APR ranges from 10.24% 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 5.23.2025.
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.