Personal Loans
Take control of your financial future.
Our personal loan options give you the freedom to choose the best loan for your life.
Personal Loan Options
| Details | Term | APR* | |
|---|---|---|---|
| A+ Line of Credit | Low monthly payments No annual fee |
Revolving | As low as 9.90%† |
| A+ Signature Loan | Consolidate high-interest debt Fixed rate |
Up to 84 months | As low as 6.24%‡ |
| A+ Loyalty Line of Credit | Designed for long-time A+FCU members§ No credit inquiry |
Revolving | Starting at 15.90%§ |
Membership required. Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. Actual rate may vary depending on each individual’s credit history and underwriting factors. For A+ Line of Credit and A+ Signature Loan, minimum loan amount of $2,500. Rates as of 10.19.2021.
*APR=Annual Percentage Rate.
†Cannot use PlusPoints to lower rate. No rate discount for automatic payments.
‡6.24% 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 and 0.50% rate reduction for 5,000 PlusPoints. Actual rate may vary depending on each individual’s credit history and underwriting factors. Rate may increase if automatic payment is cancelled. $30.42 per $1,000 per month for 36 months.
§Membership must be opened at least 36 months to qualify. Additional qualification requirements apply. See below for additional details. Cannot use PlusPoints to lower rate. Loan must be set up on automatic payments to receive 15.90% APR, all other payment methods subject to 18% APR.
A+ Line of Credit
With our A+ Line of Credit, you can access your money at any time and conveniently transfer funds to one of your other accounts through A+ Online Banking or the A+ Mobile app.
- Rates as low as 9.90%
- Low monthly payments
- No annual fee
Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. Minimum loan amount of $2,500. Actual rate may vary depending on each individual’s credit history and underwriting factors. Cannot use PlusPoints to lower rate. No rate discount for automatic payments. Membership required.
A+ Signature Loan
An A+ Signature Loan can provide you with cash for expenses or help you consolidate your high-interest debt.
- Rates as low as 6.24% APR*
- Multiple terms available up to 84 months
- Fixed rate
*APR=Annual Percentage Rate. 6.24% 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 and 0.50% rate reduction for 5,000 PlusPoints. Actual rate may vary depending on each individual’s credit history and underwriting factors. Rate may increase if automatic payment is cancelled. $30.42 per $1,000 per month for 36 months.
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. Minimum loan amount of $2,500. Membership required.
A+ Loyalty Line of Credit
This loan was designed for A+FCU members and allows flexibility to draw funds when needed.
- No credit inquiry
- Funds may be used for any purpose
- Convenient, automatic annual reviews to see if you’re eligible for a credit limit increase and rate decrease
If you meet the following qualifications, log in to A+ Online Banking, click Loan Services > Loyalty Line of Credit and 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
- Member in good standing†
*Past five months does not include current calendar month.
†Member in good standing includes: 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. $3.00 transfer fee will be charged for transfers conducted over the phone. Program, rates, terms, and conditions are subject to change without notice. Associations and businesses are not eligible. Some exclusions may apply.