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In the aftermath of Winter Storm Uri, we want our members to know that we’re here to help with a variety of loan options, resources, and useful tips.

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.

Applying can be done completely through A+ Online Banking or the A+ Mobile App and is recommended as we have limited staff available over the phone and in-person to assist.

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.

*Member in good standing for Holiday Line of Credit borrowers includes: all loans current; no late payments >30 days on any A+FCU loan, open or paid off; 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 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.

APPLY NOW

*Membership required. Must be an A+FCU member as of 2.18.2021. Minimum loan amount of $2,500. Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. Must be a member in good standing. Member in good standing for Helping Hand Loan borrowers includes: all loans current; no late payments >30 days on any A+FCU loan, open or paid off; 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.
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

Learn More

APR=Annual Percentage Rate. Membership required. LTV=Loan-to-Value. Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. Home Equity Loan rates listed are for 15-year loans. Additional terms available. NMLS #405608. 2.2.2021.


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.

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Additional Resources
A+FCU Blog
BALANCE

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.