We’ve Got a Loan for That!

We’ve Got a Loan for That!

Financing Made Easy for Cars, Homes, Toys, and Everyday Purchases

Our goal is and always has been to help our Members do better financially. 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, or a credit card for everyday purchases – 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. Why pay more than you need to – our team is ready to help you see where you might be able to save on your existing auto loan.

Learn more about our auto loans, view rates and begin the process of applying here.

Recreational Loans

Toying around with the idea of a boat, recreational vehicle, motorcycle or all-terrain vehicle? We can help secure your next adventure! 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. Learn more and see rates here.

Mortgage Loans

Whether you’re building, buying or improving, your Credit Union has the mortgage loan that’s right for you.

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. Learn more about our mortgage options and start your application here.


  • 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. Our experts are ready to guide you through the process at no cost or obligation. Loans are available at up to 95% of purchase price, with no PMI, and pre-approval within 48 hours of submission. The pre-approval will aid you in your negotiations of your purchase by showing the seller you have funds secured to support your offer. Learn more about our First-Time Mortgage Loans program and apply for your pre-approval here.


  • 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. Like 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. Learn more about a Home Equity Line of Credit and start your application here.


  • Construction to Permanent Loans – One loan and one closing cover both the construction phase and the permanent financing. It is a one-time close with flexible terms designed to help you finance the building of your dream home! This streamlines the application process and can minimize closing fees. Visit our Construction Lending page to learn more.


Ready to take your next step? 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. Visit us here to learn more and apply today!

APCO Visa® Rewards Credit Card

Visa is the most accepted credit card worldwide, and your Credit Union offers credit card options that let you enjoy an easier way to pay, every day. The APCO Visa Rewards Credit Card lets you shop, dine and travel with confidence. Some benefits of using your APCO Visa Rewards Credit Card include:

  • No annual fee
  • Earn 1.75% on every dollar you spend. uChoose Rewards allows you to redeem points toward a statement credit, travel, shopping, events, gift cards and more.
  • Apply Pay and Samsung Pay options for contactless payment without having to present your credit card
  • Actively manage your credit card by setting up alerts for transactions and controls for locations, merchants and spending thresholds.
  • A 25-day grace period on all purchases

Learn more and apply for your APCO Visa Rewards Credit Card today here.

Whatever your financial goal, we’re here to help make it reachable. Stop by your local branch or give us a call at 1-800-249-2726 and let us know how we can help.

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