- Locations
- Aberdeen Branch
- APG Branch
- Bel Air — Amyclae Branch
- Bel Air — Home Loan Center, Main St. (No ATM)
- Bel Air — Laurel Bush Branch
- Bel Air — Main St. Branch
- Cecil College Branch
- Chesapeake City Branch
- Edgewood Branch
- Elkton Branch
- Fallston Branch
- Forest Hill Branch
- Havre de Grace Branch
- North East Branch
- Rising Sun Branch
- Riverside Branch
- Branch Appointment Requests
- Notary Services
IMPOSTER SCAM ALERT
Please be aware of fraudsters contacting members unexpectedly via a phone call, text or email pretending to be APGFCU fraud detection employees.
If you receive a suspicious unsolicited call, email or text appearing to be from APGFCU and requesting information:
- DO NOT provide any information
- STOP all communication with the suspected imposter
- CONTACT US immediately at our published numbers (410) 272-4000 or (800) 225-2555 to help resolve any additional security risks
Auto Loans
Whether you are looking to reduce your payment or lower your rate with a no-fee2 auto loan refinance from another lender or purchase a "new-to-you" vehicle, we have rates and terms to fit every budget.
With rates as low as 5.74% APR1, you could be on the road to a low-rate auto loan payment.
Need Help Building Credit?
The APGFCU Credit Builder Program may be right for you. 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.
New Car, Van, and Truck Loans
Loan Highlights
- No payments for 90 days to qualified borrowers*
- Competitive first-time buyer and credit builder programs
- Low rates for purchases and refinances
- No refinancing fees2
- Fixed-rate, fixed payment amounts over the loan term
- No down payment or early payoff penalties
Current Interest Rate
APR1 as low as
5.74%
Fixed rate with autopay; 1See all loan rates, terms, and disclosures.
Used Car, Van, and Truck Loans
Loan Highlights
- Great rates for purchases† or refinances
- Fixed-rate, fixed payment amounts over the loan term
Current Interest Rate
APR1 as low as
6.14%
Fixed rate with autopay; 1See all loan rates, terms, and disclosures.
†Stated rate available on purchases from a franchise dealer3. For private party and independent dealers, please visit our personal loans page.
*First payment may be deferred for 90 days. Interest will accrue from the date of loan disbursal and is due once payments begin. Deferred payment is not available for refinances of existing APGFCU auto loans. To take advantage of the deferred payments when refinancing from another lender, a minimum of 4 payments must have been made. Some restrictions apply. Not all applicants will qualify for the 90-day deferred payment.
1APR is Annual Percentage Rate. Rates stated available on approved credit with automated payments from an APGFCU account only and may be different as determined by the loan term, model year and individual creditworthiness of each applicant. Not all applicants will qualify for the lowest rate. Rate is subject to change at any time. Click here for more information.
2APGFCU does not charge a refinance fee on auto loans.
3A franchise dealer is a dealership that sells new and used vehicles under a franchise agreement with a licensed manufacturer or distributor.
Choose the Best Financing
Auto Financing Options
Spending thousands of dollars on a vehicle is stressful enough without the added pressure of weighing dealer rebates and various financing options.
Comparing monthly estimates between your credit union and dealer will determine your best option. To help, we’ve broken down two key financing options to show the benefits and drawbacks of each.
Ready, Set, Shop!
Dealer Partnerships
We’ve partnered with over 90 dealerships across Maryland and Delaware to maximize your chances of receiving optimal financing on new and pre-owned vehicles, motorcycles, and RVs. To take advantage of credit union pricing, simply:
- Choose your vehicle’s make and model
- Visit a participating dealership as an APGFCU member
- Negotiate the price and take advantage of any available rebates or discounts
- Apply for a low-rate credit union auto loan in the dealership — insist on using APGFCU
If approved, the dealership will complete the paperwork and send it to us for funding, while you drive off that day in your new vehicle.
AutoSMART
Take the first step in helping yourself to find a better deal on your next vehicle purchase. By taking advantage of the AutoSMART information and resources, your auto buying experience will be easier and more satisfying.
Auto Loan Extras
Auto Insurance
APGFCU members may save on auto and home insurance through Travelers.
Request a quote and find out how you can get the right coverage at a better price with the Travelers Auto Insurance for APGFCU members. Call (866) 907-8746 for a quote over the phone.
Guaranteed Asset Protection (GAP)
GAP is loan/lease deficiency protection designed to cover the deficiency balance on your loan in the event of a total loss.
Credit decisions will not be affected by whether or not a member elects to purchase the protection.
Skip-A-Pay for Auto, Truck, and Van Loans
Skip-A-Pay Highlights
- Choose to skip one payment every 12 months without penalty
- Eligible loans: auto, RV, personal, home improvement, or education
- Finance charges (interest) will continue to accrue on a daily basis during the month the payment is skipped
- Certain restrictions apply
Need Help With an Auto Loan? Get in Touch!
For more information about or help with auto loans…