Debt Consolidation

¹Rates are based on creditworthiness and loan term, and your rate may differ. Loan is for a fixed amount and a fixed term. Advertised rate includes automated payments and rates will be 0.25% higher without automated payments. The maximum rate is 17.74% APR with automated payments. Membership eligibility applies. Other restrictions may apply.

²Subject to credit approval.

¹APR = Annual Percentage Rate. Rates are based on creditworthiness and loan term, and your rate may differ. Loan is for a fixed amount and a fixed term. Advertised rate includes automated payments and rates will be 0.25% higher without automated payments. To qualify for the Automated Payment Interest Rate, at the time of loan settlement you must establish an automated loan payment from an APGFCU account to repay your loan. The maximum rate for a personal loan is 17.74% APR with automated payments. The maximum rate for an education loan is 16.74% APR with automated payments. Subject to credit approval. Loan rates are subject to change.

²The final extension of the "federal freeze" on student loan payments has extended to 12/31/22. Please carefully consider these changes before refinancing federally held loans, as in doing so you will no longer qualify for these changes or other current or future benefits applicable to federally held loans.

³Excludes late fees and any delinquent account fees.

Membership eligibility applies.

¹This 0% introductory APR offer is for the Cash Back, Platinum Preferred, Platinum Preferred Rewards and Platinum Preferred Student/Starter Visa cards. 0% introductory APR on qualified balance transfers for 15 months. After that, the variable APR will be 11.99%-17.99% APR. The variable APR will vary based on the Prime Rate.

²Balance transfers must be submitted within the first 90 calendar days from account opening to qualify for the 0% introductory APR offer. There is a 3% 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.

Balance transfer offer is for new accounts opened 07/01/2022–01/15/2023.

¹The rates stated are available on approved credit. Rates may be different as determined by the individual creditworthiness of each applicant. Not all applicants will qualify for the lowest rate.

¹APR = APR = Annual Percentage Rate. The rates stated above are available on approved credit. Rates may be different as determined by loan term, purpose (purchase/refinance), and individual creditworthiness of each applicant. All loans are subject to credit approval. Not all applicants will qualify for the lowest rate.

Home Equity Line of Credit rates as of 11-27-2022. An introductory rate of 2.49% APR applies for the first 12 months. Following the introductory period, the APR may vary quarterly, based on the then-current Prime Rate, as published in the Wall Street Journal (currently 6.25% APR), plus a margin of 0%. Maximum 18% APR. Introductory rate available for new accounts only. Rates advertised are based on a maximum combined loan-to-value (CLTV) of 80%. Loans with a CLTV between 80.01% and 89.99% are also available at different rates and terms. Adequate property insurance is required, and if applicable, flood insurance will be required. This offer is available only on primary and secondary single-family residences or owner-occupied condominiums located in MD, D.C., DE, NJ, PA, FL and VA. Subject to credit approval. Offer may be changed or withdrawn at any time.

²Not including transfer/recordation taxes. If you close your Home Equity Line of Credit within three (3) years, we will add any closing costs we paid to your outstanding balance. Closing costs generally range from $100 to $6,500 (maximum line of credit of $424,100).

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.

²First 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.

³APGFCU does not charge a refinance fee on auto loans.