Flexibility For Life
With the A+ Preferred Line of Credit, enjoy 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. It’s great if you need funds available in case of unexpected expenses, to consolidate debt, or pay for a larger purchase.
- Credit lines up to $50,000
- Competitive, variable APR*†
- Payments based on monthly outstanding balance‡
- Easily transfer funds from your A+ Preferred Line of Credit to your checking, savings, or other accounts from within A+ Online Banking or the A+ Mobile App
*APR = Annual Percentage Rate.
†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 9.27.2023, 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.
‡Your monthly payment with the A+ Preferred Line of Credit is calculated as 2% of the outstanding balance as of the last day of the calendar month or $25, whichever is greater.
§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.
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 $2,500. Rates as of 9.27.2023.