Credit Unions Are About People Helping People - That’s Why We Offer the Credit Builder Program.

Build your credit. Lower your rate.

Our Credit Builder Program is designed to help members like you who experienced a change in their financial situation but who demonstrate a willingness and commitment to repay their loans on time. Our goal is to help every member achieve financial success, and the Credit Builder program is one way APGFCU does that.

If you’re having difficulty securing financing, the APGFCU Credit Builder Program may be right for you. The Credit Builder program offers secured and unsecured loans with reasonable interest rates and manageable repayment periods. We’ll work with you to put you in the right loan and get you back on track. Plus, if you pay as agreed for one year, we’ll even lower your interest rate – automatically.

The following loan types offer the Credit Builder program:

• Auto Loans
• Personal Loans
• Education Loans
• Home Improvement Loans
• Boat Loans
• RV Loans
• Motorcycle Loans
• Manufactured Home Loans
• Home Equity Loans (Fixed)

How to apply:

For Home Equity Loans, click the button below and start a new application. When asked "What type of loan are you looking for?" choose "I want to borrow against the equity of my property".

Apply for a Home Equity Credit Builder Loan

For all other loans, click the button below and choose the loan type.

Apply for a Credit Builder Loan

Leverage cash on hand

A My Money shared secured loan is another borrowing option, which offers the ability to use money you already have in savings as collateral to fulfill your short-term borrowing needs and improve credit. Click here to learn more.