Loans Built Around Real Life

From auto loans to personal lending, APCU helps members move forward with flexible financing and local decision-making.

Why Borrow with APCU?

✔ Competitive Rates
✔ Local Loan Decisions
✔ Fast, Personalized Service
✔ Flexible Terms
✔ Options for a Variety of Credit Situations
✔ Trusted by Members Since 1941

Which loan am I looking for?

Auto Loans

Get behind the wheel with competitive financing for new and used vehicles.

Whether you’re purchasing from a dealer, buying from a private seller, or refinancing an existing auto loan, APCU can help you save money and simplify the process.

Perfect For:

  • New vehicles
  • Used vehicles
  • Auto loan refinancing
  • Recreational vehicles

Rates as low as 5.00% APR* for qualified borrowers.

Personal Loans

Need funds for life’s unexpected expenses or planned purchases?

Our unsecured personal loans provide flexible financing for debt consolidation, emergencies, home projects, vacations, and more.

Perfect For:

  • Debt consolidation
  • Medical expenses
  • Home improvements
  • Special events
  • Unexpected costs

Rates as low as 7.00% APR* for qualified borrowers.

Credit Cards

Enjoy the convenience of a credit card backed by local service and competitive rates.

Whether you’re making everyday purchases or looking to transfer balances, APCU Visa Credit Cards offer flexibility and value.

Perfect For:

  • Everyday spending
  • Travel purchases
  • Emergency expenses
  • Building credit

Rates as low as 8.50% APR* for qualified borrowers.

Mortgage Solutions

Buying, refinancing, or renovating a home?

APCU partners with trusted mortgage professionals to help members navigate the home financing process with confidence.

Perfect For:

  • Home purchases
  • Mortgage refinancing
  • Home improvements
  • First-time homebuyers

Share Secured Loans

Borrow against your savings while keeping your funds intact.

Share Secured Loans are a great way to build or rebuild credit while maintaining your savings account balance.

Perfect For:

  • Establishing credit
  • Rebuilding credit
  • Lower-rate borrowing
  • Secured financing

Rates as low as 2.50% APR* for qualified borrowers.

Credit-building solutions for members rebuilding finances.

Why Members Choose APCU Loans

When you apply for a loan with APCU, you’re working with a team that understands our members and our community. We review applications locally, answer your questions personally, and work to find solutions that fit your financial goals.

Because we’re a credit union, our focus is on helping members succeed, not maximizing profits. That’s why members continue to trust APCU for their lending needs.

Applying is Easy

Step 1

Complete an online application or visit our office.

Step 2

Our team reviews your application locally.

Step 3

Receive a decision and personalized support throughout the process.