All APGFCU branch lobbies are open for teller transactions except for the Cecil College branch. Member services by appointment. Click for details.
APGFCU will NEVER contact you to request confidential information such as PINs, full SSN, card numbers, etc. If you receive such a request, please contact us directly at our published number.
Apply Online or call 410-272-4000 (800-225-2555)
Personal Loan Rates and Terms
1APR = Annual Percentage Rate. Rates are based on creditworthiness and loan term, and your rate may differ. Rates range from as low as 3.99% 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 1 to 84 months are available. Payment Example: The payment on a $20,000 loan would be $301.76 per month by using the $15.09 per $1,000 at a non-variable interest rate of 6.99% APR with an 84-month term. This equates to $25,347.49 over the life of the loan.
2Examples only and savings may differ based on creditworthiness, loan type, loan amount, payment amount, and other unknown loan information. All loans are subject to credit approval. Payment example A: Borrow $15,000 @ 3.99% APR for 36 months for $442.79. Payment example B: Borrow $15,000 @16.15% APR for 36 months for $528.47.
3National Average APR for a credit card as of April 7, 2021, is 16.15% for informational purposes only (Source creditcards.com).
4Excludes late fees and any delinquent account fees.
Membership eligibility applies.
Need extra cash?
Skip your next loan payment for a $30 fee.**
Loan payments may be skipped once per calendar year and per loan. Download the Skip-a-Pay application.
*Subject to eligibility and program terms and conditions.
**A $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.
OnSite Financing is designed to provide you with the value you expect from a local lender. OnSite Financing could help you fund the special purchases and services you need - when you need them most.
Financing Program Features:
1Actual financing application processing time and loan decisioning are dependent on each applicant's credit history and submission of proper documentation. 2Annual Percentage Rate depends on the applicant's creditworthiness and eligibility. Payment Example: Monthly payment per $1,000 borrowed is $16.81 per month at 6.49% APR.