Personal Credit

A+ Preferred Line Of Credit

Maximize your purchasing power and experience the security our A+ Preferred Line of Credit can provide. With generous credit limits available, there’s no need to stress over life’s unpredictability.

Flexibility For Life

With the A+ Preferred Line of Credit, enjoy the flexibility of a revolving line of credit which allows ongoing advances up to your credit limit and the freedom to use the funds for any purpose. It’s great if you need funds available in case of unexpected expenses, to consolidate debt, or pay for a larger purchase.

Additional Benefits:

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A+ Preferred Line of Credit Comparison Table
Terms APR*
A+ Preferred Line of Credit Revolving line of credit As low as 9.99%

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A+ Personal Loan

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

As Low As APR*
9.74% §

Learn More – A+ Personal Loan

A+ Preferred Line of Credit

Get the flexibility of a revolving line of credit which allows ongoing advances up to your credit limit and the freedom to use the funds for any purpose.

As Low As 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.

The Annual Percentage Rate (APR) is variable and is based upon an index plus a margin. The APR will vary with Prime Rate (the index) as published in the Wall Street Journal. As of 1.13.2023, the variable A+ Preferred Line of Credit APR ranges from 9.99% to 18.00% APR and the margin varies based on creditworthiness. Excellent credit is required to qualify for the lowest rates.

Your monthly payment with the A+ Preferred Line of Credit is calculated as 2% of the outstanding balance as of the last day of the calendar month or $25, whichever is greater.

§ 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.

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. Cannot have both an open A+ Line of Credit and an open A+ Preferred Line of Credit. A+ Preferred Line of Credit is an open-ended line of credit. Minimum loan amount of $2,500. Rates as of 1.13.2023.


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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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.

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

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