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 you have high-rate credit card and loan balances? Consolidate them to stop juggling expenses. Have a big purchase coming up? Avoid high-rate financing with a low-rate APGFCU® personal loan.
Save more of your money for U!
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.
Learn more about Credit Builder
Debt Consolidation Calculator
View Personal Loan Rates
APR1 as low as
Fixed rate with auto pay; *See all loan rates, terms, and disclosures.
†An independent dealer is a dealership that does not sell vehicles under a franchise agreement with any licensed manufacturer or distributor.
Get the cash you need to make this season merry and bright.
Variable APR1 as low as
12.49% - 17.99%*
*See all loan rates, terms, and disclosures.
Fixed rate with auto pay. *See all loan rates, terms, and disclosures.
OnSite Financing is subject to credit approval.
For more information about or help with personal loans…
1APR = Annual Percentage Rate. The 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.2Rates are based on creditworthiness and loan term, and your rate may differ. Rates range from as low as 5.74% APR up to 17.74% maximum APR with automated payments. 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. Subject to credit approval. Terms from 12-84 months are available. Payment Example: The payment on a $20,000 loan would be $326.78 per month by using the $16.34 per $1,000 at a non-variable interest rate of 9.49% APR with an 84-month term. This equates to $27,449.52 over the life of the loan.Membership eligibility applies.
3Excludes late fees and any delinquent account fees.
4Payment Example: The payment on a $15,000 loan would be $303.01 per month by using the $20.20 per $1,000 at a non-variable interest rate of 13.24% APR with a 72-month term. This equates to $21,817.08 over the life of the loan.
5A $30 processing fee per loan applies. Loan payments cannot be skipped within the first three months of your loan origination date. You can skip only one loan payment per loan per calendar year and regular monthly or minimum payments must resume. Members who have weekly or biweekly payments and have already made a payment within the month when the request is made will not be able to skip the subsequent payment for that month. To qualify, your membership must be in good standing, all loan payments must be current, and eligibility may be subject to credit union approval. All co-signer(s) and/or co-borrower(s) must sign this form. Offer does not include Visa credit cards, Easy Cash lines of credit, mortgage loans, mobile home loans, home equity loans, home equity lines of credit, vacation loans, holiday loans, and any share secured loans including Visa share secured. This form must be received at least three business days prior to your payment due date to take advantage of this offer. Finance charges (interest) will continue to accrue on a daily basis during the month the payment is skipped. Deferral of the regular or minimum monthly payment(s) will result in having to pay higher total finance charges (interest), and the loan repayment schedule will be extended. Under some circumstances, the payment may not cover the finance charges (interest) that accrue and “negative amortization” may occur.