Business Loans

^‡To be eligible for the $200 bonus offer, you must make $1,000 or more in eligible purchases within 90 days of account opening. Eligible purchases are purchases for goods and services, minus returns and other credits. Eligible purchases do not include fees, interest charges, balance transfers, gambling, convenience checks, cash advances, or other cash equivalents (e.g., money orders, gift cards, prepaid cards). Please allow up to 45 days after the 90-day period for the $200 to post to your account as a statement credit. This bonus offer does not change your obligation to make the minimum monthly payment. Account must be open and not in default at the time the credit is scheduled to post to your account. Limit of one promotional offer at account opening. Offer not available to previous cardmembers who received a bonus in the past 12 months. APGFCU reserves the right to change or end this offer at any time without notice. Offer valid for accounts applied for on or after 01/01/2026.

*0% introductory APR for 15 months from the date of account opening for purchases and balance transfers that have been submitted to your account within the 90th calendar day from account opening for the Business Cash Back Visa card. Conditions apply. For purchases and balance transfers completed after the 90th calendar day, your APR will be 14.74% - 17.99% based on your creditworthiness at the time you opened your credit card account. The standard APR will vary with the market based on the Prime Rate.

¹There is a 3% introductory balance transfer fee for all balance transfer requests submitted within the first 90 calendar days of account opening at the 0% introductory APR. There is no balance transfer fee for all balance transfer requests submitted and posted to your account after 90 calendar days of account opening, and you will be charged your standard variable rate APR.

This introductory APR offer is for new Business Visa cardmember accounts opened 01/01/2026 – 03/31/2026.

²APR = Annual Percentage Rate. Membership eligibility applies. Subject to credit approval. Your APR is based on your creditworthiness and not all applicants will qualify for the lowest rate. The APR will vary with the market based on the Prime Rate reported within the Wall Street Journal on the first business day of each month.

Variable APRs Based on Prime: Your Annual Percentage Rate is based on the U.S. Prime Rate (“Prime Rate”). Your Annual Percentage Rate will equal the Prime Rate plus a margin. If the Prime Rate increases, it will cause the Annual Percentage Rate to increase. If the Prime Rate decreases, it will cause the Annual Percentage Rate to decrease. Your FINANCE CHARGE for every $1.00 in your daily balance may increase if the Prime Rate rises and will decrease if the Prime Rate falls. For example, a change in the Prime Rate of one percentage point will result in a one percentage point change in the same direction in your Annual Percentage Rate with a corresponding change in your daily periodic rate. For each billing period, we use the Prime Rate published in The Wall Street Journal on the first business day of each month. If the Prime Rate causes an Annual Percentage Rate to change, we put the new Annual Percentage Rate into effect as of the first day of the billing period following the month in which the Prime Rate changed. We apply the new Annual Percentage Rate to any existing balance, subject to any promotional rates that may apply. The margins will range from 7.99% to 14.24% based on product type. We add 1.00% to the Prime Rate for the Share and Money Market Secured Business Visa cards, not to exceed 5.00% above the current rate on the Business Share Accounts.

³1.5% Cash Back awards earned for each one dollar ($1.00) spent of all new retail purchases less credits, returns and adjustments charged in a statement period. Cash Back awards will be paid monthly for credit card accounts in good standing only.