Central Texas Winter Storm Relief
Support for our members.
Learn more about emergency financial relief options and additional resources to get you through this time.
Winter Storm “Holiday” Line of Credit
The holidays are over, but to help during this challenging time, we’re bringing back the Holiday Line of Credit to quickly provide you with immediate access to funds of up to $1,500.
If you meet the following qualifications, log in to your online banking account and look for the prompts (you’ll see “Holiday Line of Credit” in the prompt) to get started:
- Direct deposit of at least $800 per month for the past five consecutive months
- Open checking account
- 18 years of age or older
- Membership opened at least 6 months (180 days)
- Member in good standing*
This special Winter Storm “Holiday” Line of Credit† comes with no payments for 60 days‡ and is even available to those who currently have our traditional Holiday Line of Credit.
This offer ends March 15, 2021.
†Membership required. One special Winter Storm “Holiday” Line of Credit per member; maximum of two Holiday Line of Credit loans per member. Loan must be set up on automatic payments to get 15.90% APR, all other payment methods subject to 18% APR. APR = Annual Percentage Rate. $3.00 transfer fee for transfers over the phone will be waived through 2.28.2021. Program, rates, terms, and conditions are subject to change without notice. Associations and businesses are not eligible. Some exclusions may apply. Offer valid 2.17.2021 – 3.15.2021.
‡Interest accrues from date of first loan advance.
Helping Hand Loan
The A+ Helping Hand Loan is here if you need additional funds up to $10,000. Qualified* members can get the following:
- 4.99% APR with automatic payments from an A+FCU account†
- Maximum term of 60 months
- 90 days no payments‡
Offer ends March 15, 2021.
†APR = Annual Percentage Rate. To receive the 4.99% APR, member must have automatic payments from an A+FCU account and meet Helping Hand Loan qualifications.* If the member meets criteria, but does not have auto draft payments from an A+FCU account, the rate will be 9.99% APR. Cannot use PlusPoints on this loan.
‡Interest accrues from date of loan disbursement.
Home Equity Loan
A home equity loan is a great option for anyone looking to make repairs or upgrades from the winter storm by using the value of their home.
- Borrow up to 80% of the LTV, less any liens
- Low closing costs
- Minimum loan amount $25,000
- Low fixed rate for the life of the loan
Safe Banking Options
Many transactions and tasks can be done without having to visit a branch. Here’s a list of some of your options.
A+ Online Banking
A+ Online Banking allows you to quickly check the balances for all your accounts, transfer funds, apply for loans, open new shares, set up Bill Pay, and more. If you haven’t registered yet, click Enroll (located on the top right of the page) to start.
A+ Mobile App
Use the A+ Mobile App to easily do online banking tasks from your phone or tablet. Check your balances, transfer money from accounts or to other members, deposit checks, and more. Just download the app from your device app store to get started.
- Recovering from a Winter Storm – check out our recent blog post that covers what to do during and after a winter storm
- 4 Financial Steps to Take After a Natural Disaster – after a natural disaster, take the time to assess the damage and develop a plan to move forward
- Emergency Preparedness: 5 Steps to Take – implement a plan before the next crisis
A benefit of your membership is free financial counseling with our partner, BALANCE. Their counselors are experts on helping members recover after financial emergencies. To speak with a financial counselor, call 800.777.7526, Monday – Thursday 9:30 am – 8 pm, Fridays 9:30 am – 7 pm, and Saturdays 11 am – 4 pm. Bilingual representatives are available.