A+ Preferred Line Of Credit
Maximize your purchasing power and experience the security our A+ Preferred Line of Credit can provide. With generous credit limits available, there’s no need to stress over life’s unpredictability.
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.
Additional Benefits:
- 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
| Terms | APR* | |
|---|---|---|
| A+ Preferred Line of Credit | Revolving line of credit | As low as 10.24% |
Check Loan Application Status
Easily check the status of your A+ Preferred Line of Credit application.
Compare Personal Credit Options
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.
†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 12.12.2024, the variable A+ Preferred Line of Credit APR ranges from 10.24% 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 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.
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 12.12.2024.
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.
Related Articles
Better Alternatives To Payday Loans
Stuck in a money rut and need some help? Try these stress-free alternatives to payday loans that actually save you money.
Powerful Steps To Paying Down Holiday Debt
Need help recovering from your holiday spending? Use these powerful, yet simple steps to pay down debt and get back on track.
16 Questions To Ask Your Credit Union About Any Loan
It’s important to be aware of a loan’s ins and outs before accepting it. Use these key questions to help you understand and compare loan options.
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.