Here at NGM Employees FCU we are a credit union with a strong belief of “people helping people”. Since 1941, APCU has been helping our members – whether you have good, bad or no credit – get approved for loans. In addition to unsecured personal loans and title secured personal loans, we offer loans for new and used vehicles, motorcycles, boats, and trailers. Currently, our loans stand with the most competitive rates possible in the local area.

All loans are processed with:

  • Completed loan application
  • Experian credit report – $10.00 fee
  • Verification of income
  • Debt to income ratio

Mortgages

Looking for the house of your dreams? Or maybe you want to renovate the house of your dreams…

We have partnered with Member First Mortgage to provide solutions for all of your mortgage needs. From purchase to refinance, we offer programs to help NGM Employees FCU members finance their home. Now may be the perfect time to purchase the home of your dreams or refinance your current mortgage to save money! Call today at 630-499-5690 or visit the Member First Mortgage site to apply.

New and Used Car Loans

Thinking about that new sports car you dreamed of? Need a bigger car for your growing family?

About

  • Competitive rates
  • Extended Warranties and GAP Insurance offered on new and used vehicles
  • No prepayment or early pay off fees
  • Quick and painless loan application and signing
  • Carfax ran on all vehicles before signing

 

Thinking about refinancing with APCU? Call us or apply online now.

Whether financing or refinancing auto loans, we require all of the following:

  • Completed loan application
  • Debt to income ratio
  • Verification of income
  • Experian credit report – $10.00 fee
  • Carfax for vehicle – free of charge
  • Vehicles must have full coverage insurance to obtain loan

Unsecured Personal Loans

Wanting to do home improvements? Consolidate your debts? Maybe a dream vacation?

Based on your credit status you may qualify for up to $24,000.00 on just your signature. Our rates are lower then most Financial Loan companies and you’ll get EXCELLENT member service! Stop in and let APCU help you achieve your goals.

All the following are required:

  • Completed loan application
  • Experian credit report – $10.00 fee
  • Verification of income
  • Debt to income ratio
  • Based on credit status
  • Max unsecured total $24,000.00

Line of Credit

Take out money when you need it most.

With our Line of Credit you have the flexibility to take out what you need, pay off and continue to spend.** Call us today to find out more.

All the following are required:

  • Completed loan application
  • Experian credit report – $10.00 fee
  • Verification of income
  • Debt to income ratio
  • Based on credit status
  • $5,000.00 max on all LOC’s

Share Secured Loan

Use your savings account funds to secure your loan while earning dividends on your account.

VISA Platinum Credit Card

Spend and build your credit.

Ease of using in store or online – anywhere that accepts VISA – without the complication of setting up bill pay. With the APCU VISA Platinum Credit Card you can spend and conveniently pay through your member account. Apply now online or stop into our office.

All of the following required:

  • Completed loan application
  • Experian credit report – $10.00 fee
  • Verification of income
  • Debt to income ratio
  • APR is based on credit status
  • $20,000.00 limit max
  • $10 Credit report fee

Alternative Loans

Looking to rebuild your credit? Do you have no credit?

APCU can get you started with the financing you need at reasonable rates. Call us today to find out more information.

All of the following required:

  • $20.00 application fee
  • $10.00 credit report fee
  • Up to $2,500.00 max
  • 21% APR
  • 24 month term max

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