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Personal Credit

Holiday Line of Credit

Get the funds you need for the holidays with the Holiday Line of Credit.

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.

If you meet the qualifications but don’t see the prompt, give us a call at 512.421.2874 or stop by a branch location .

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 or the 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.

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Enjoy Member Benefits

Direct Deposit

Make payday a breeze, get paid early, and enjoy exclusive member benefits when you set up direct deposit with A+FCU.

Compare Personal Credit Options

A+ Personal Loan

Enjoy the freedom to choose how to use the funds with multiple terms up to 84 months and low, fixed rates.

As Low As APR*

Learn More – A+ Personal Loan

A+ Loyalty Line Of Credit

This loan is designed for our loyal and engaged members and includes benefits like no credit inquiry and convenient, automatic annual renewals.

Starting APR*

A+ Credit Cards

Whether you want to pay down balances faster, maximize cash back, earn rewards, or begin building your credit history, we have the ideal card for you.

Learn More – A+ Credit Cards

*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.


Rates & Resources

To keep you from having to do all the math, we’ve provided rates & calculators for all kinds of situations.

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(Re)Building Credit

Credit is factored into many decisions, including loan approvals, housing applications, insurance rates, and employment opportunities. To obtain the most favorable outcomes, it’s important to understand the basics of credit scores and credit reports.

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Life Guidance for:


To get out of debt, you need to be intentional with your money. Reach your goals faster with our tools for evaluating your debt load, developing a repayment strategy, and staying committed.

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