A couple sitting on a couch looking at a piece of paper and laughing.
Personal Credit

Loyalty Line of Credit

This unique line of credit rewards loyal A+FCU members with access to funds and the flexibility to withdraw when needed.

A+ Loyalty Line Of Credit

The A+ Loyalty Line of Credit is designed for our members. Benefits include:

If you meet the following qualifications, log in to A+ Online Banking and select Menu > Open & Apply > A+ Loyalty Line of Credit > follow the prompts.

*Past five months does not include current calendar month.

Loyalty Line of Credit account requirements include: no negative share accounts; all loans current; no late payments >60 days on any open A+FCU loan; no late payments >60 days on any A+FCU loan closed within the last 36 months; 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 Loyalty Line of Credit per member. Loan must be set up on automatic payments to receive rate discount, all other payment methods subject to 18% APR. APR = Annual Percentage Rate. Cannot use PlusPoints to lower rate. $3.00 transfer fee will be charged for transfers conducted over the phone. Program, rates, terms, and conditions are subject to change without notice. Associations and businesses are not eligible. Some exclusions may apply.

A woman sitting on a couch and smiling down at a cell phone.
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 line of credit 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 are 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 canceled. $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.

A couple standing on a porch, their backs are to us, and there is an open laptop on the table in front of them.
Life Guidance for:

(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.

A woman holding a cell phone and a credit card.
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.

Related Articles

A couple sits on the floor looking at blueprints.
Fund Your Plans

Apply For A Personal Loan

Enjoy more freedom with your money. Use an A+ Personal Loan for your personal expenses at a great low rate.

Banking on each other.
Building stronger communities. ®

I’m looking for…

This link takes you to something we think is useful.

But, it’s important to know you’re leaving the A+FCU website. Our site provides links to third party sites and resources not controlled or operated by A+FCU. Other websites may have privacy policies, security, and terms of use that aren’t the same as A+FCU’s. A+FCU isn’t responsible for third party content, agreements, or transactions on linked sites. If you’d rather not continue on to this site you can always call us or stop by a branch to find out more.