As if A+ Federal Credit Union membership didn’t come with enough benefits, you can also take advantage of our PlusPoints Loyalty Program. All you need to do is use the Credit Union for the things you need to do every day: Save money, borrow money, and manage your financial life.

Earn Points

There are numerous ways to earn points:

  • 5 points with our Cash-Back Checking Plus for each swipe and sign debit card transaction
  • 1 PlusPoint for every $1 in dividends you earn on a savings account or certificate
  • 1 PlusPoint for every $1 you pay in finance charges on a loan
  • 100 PlusPoints for each year of membership and during your birthday month.
  • Golden members earn 200 PlusPoints for each year of membership.
  • Up to 2500 points when you take out a mortgage loan with A+
  • 100 PlusPoints for each financial workshop attended, plus 50 PlusPoints for each guest brought to a financial education workshop
  • 500 PlusPoints for taking advantage of services from A+ Financial Center.
  • Earn PlusPoints when you take advantage of special promotions throughout the year.

Spend Points

Save more when you borrow

Use PlusPoints to buy-down the rate on a new loan1:

  • 0.25% with 2,500 PlusPoints
  • 0.50% with 5,000 PlusPoints

1 For consumer direct, collateralized, signature, and A+FCU-originated home equity loans.

Save on real estate origination fees:

  • 0.25% with 2,500 PlusPoints
  • 0.50% with 5,000 PlusPoints

Earn more when you save.

Buy up the rate on certificates or IRA certificates:

  • 0.25% with 2,500 PlusPoints
  • 0.50% with 5,000 PlusPoints

Points of Interest

  • Points are credited automatically each month, and are automatic – there are no forms to complete to take advantage of this program2
  • Members must have a minimum of 2,500 lifetime accumulated PlusPoints before any may be redeemed.
  • PlusPoints can be combined and redeemed by any immediate family member living within the same household.
  • Members must be in good standing in order to participate in the program.
  • Because we want members to take advantage of the PlusPoints they’ve earned, the capped amount of PlusPoints a single member can accumulate is 25,000.
PlusPoints Loyalty Program is subject to change without notice. Associations and businesses are not eligible. PlusPoints program is subject to the terms and conditions of your A+ Membership Agreement.

2 Credit Cards, Mortgages, Line of Credit, Holiday/Summer, Bridge, Classroom Cash, and HELOCs and Student loans are excluded from redemption.