Financing Made Easy

Affordable Loan Options for Cars, Homes, Toys, and Everyday Purchases

We understand the best loans are the ones that make your life better. Whatever your need – a new car, home mortgage, personal or recreational loan – APCO Employees Credit Union has affordable options with streamlined service and knowledgeable lending officers ready to assist you.

Auto Loans

Shopping for your new set of wheels can be overwhelming, but financing the vehicle shouldn’t be. Whether you’re buying a new car or one that’s new to you, put yourself behind the wheel by getting pre-approved through your Credit Union. We offer convenient, friendly service and competitive rates, with financing up to 84 months on new car loans and up to 75 months on used car loans.

Already financed your car? We also offer refinancing on existing car loans to lock in a better rate and save you money each month.

Auto Loan Rates

Recreational Loans

Toying around with the idea of a boat, recreational vehicle, motorcycle or all-terrain vehicle? We offer recreational loans all year long and are ready to help when you’re ready to buy. Whatever your method of transportation, make sure you see us first. We’re here to make sure you have every financial advantage.

Recreational Loan Rates

Mortgage Loans

Whether you’re building, buying or improving, your Credit Union has the mortgage loan that’s right for you. Our online mortgage center gives you the power to research various mortgage products, search for rates, quotes, and apply for a loan 24 hours a day, 7 days a week. No matter what home ownership path you choose, we’ll be with you every step of the way. Click here to learn more and apply today.

We offer:

• Fixed and Adjustable-Rate Mortgages and Refinances

Adjustable-rate mortgages with terms to 30 years and fixed-rate mortgages with terms to 30 years, the choice is yours. We work each mortgage on a case-by-case basis, and we’re ready to help find the right fit for you.

 

• First-Time Mortgage Loans

Purchasing your first home is a huge milestone and we’re committed to helping the next generation live the dream of home ownership. Loans are available at up to 95% of purchase price, with no PMI, and pre-approval within 48 hours of submission. Our experts are ready to guide you through the process at no cost or obligation.

 

• Fixed-Rate Home Equity Lines of Credit

A Home Equity Line of Credit (HELOC) is a great way to leverage the value of your home and ensure you have funds available for whatever you want, such as that new addition, debt consolidation, family vacations, and more!

If you have a home and have been making payments on your mortgage for years, then you may have built up a significant amount of equity. Similar to how you use a credit card, a Home Equity Line of Credit allows you the flexibility to borrow what you need, as you need it, up until you reach your credit limit. Whether your first mortgage is with us or another lender, a HELOC could still be a great fit for you!

 

• Construction to Permanent Loans

One loan and one closing cover both the construction phase and the permanent financing. This streamlines the application process and can minimize closing fees.

Home Loan Rates

Personal Loans

Sometimes unexpected expenses come up, like a broken HVAC unit or an emergency car repair. Sometimes, the unexpected comes in the form of that vacation you’ve been dreaming of. Whether it’s a surprise you’re excited about or one you’d rather see delayed, there’s no reason it should create a financial disaster in your personal budget.

As a Credit Union member, you have access to personal loans and personal lines of credit at affordable rates and with flexible terms. Whether you have an immediate need or simply want a personal line of credit to handle whatever expenses come your way, our knowledgeable loan officers are ready to discuss your options.

Personal Loan Rates

We’re Here to Help

Whatever your need may be, your Credit Union is here to help with knowledgeable lenders ready to assist. Have a question we can help with? Feel free to call or drop by your local branch , call our Contact Center at 1-800-249-2726, or connect with us via message here.

Terms and conditions apply. Contact us for further information concerning fees, rates, and terms. Equal Housing Opportunity Lender. Federally Insured by NCUA.