Funds For The Holidays
Available for a limited time, get $1,500 for your holiday needs with the Holiday Line of Credit.
For NEW Holiday Line of Credit borrowers meeting the following qualifications, log in to
A+ Online Banking
and follow the prompts 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)
Meets Holiday Line of Credit account requirements*
If you meet the qualifications but don’t see the prompt, give us a call at
or stop by a
Had the Holiday Line of Credit before? If you still meet the lending qualification requirements,
the funds are already in your account. Transferring your funds online is fast and free with
A+ Online Banking
A+ Mobile App
Membership required. One Holiday Line of Credit 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 will be charged for transfers done over the phone. Program, rates, terms, and conditions are subject to change without notice. Associations and businesses are not eligible. Some exclusions may apply. Offer valid 11.1.2022 – 1.31.2023.
*Holiday Line of Credit account requirements for NEW borrowers include: no negative share accounts; 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.
If you’ve had a Holiday Line of Credit previously, requalification criteria includes: open checking account, no negative share accounts, and all loans current. Some exclusions may apply.
*APR=Annual Percentage Rate.
Loan must be set up on automatic payments to receive rate discount, all other payment methods subject to 18% APR. Starting monthly payment is $40.00. Rate and payment is reevaluated annually.
9.74% APR is for up to 84 months and includes 0.25% rate reduction for automatic payment from A+FCU account or electronic funds transfer from another financial institution. Cannot use PlusPoints to lower rate. Actual rate may vary depending on each individual’s credit history and underwriting factors. Rate may increase if automatic payment is cancelled. $16.47 per $1,000 per month for 84 months. Rates as of 1.13.2023.
Membership required. 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.