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A+ Personal Loan

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.

Complete our easy online application today to get started.


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Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. Cannot use PlusPoints to lower rate. 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
  • 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. $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.