APL Credit Union Columbia MD | Best Auto Loans & Quick Personal Loans

Introduction

Welcome to Apl, your trusted partner in financial growth and community support! Located at 8870 Mcgaw Rd Columbia Md 21045, we have proudly served the Columbia, MD area since 1954. With over 30,412 members, our credit union is built on the foundation of trust and dedication to improving the lives of our members. At Apl, we manage an impressive $630,726,583 in assets, ensuring that your funds are secure and ready to work for you. Our commitment extends beyond numbers; it reflects our mission to foster a supportive environment where every member feels valued. We offer a variety of services, including personal banking, auto loans, mortgages, and business solutions tailored to meet your unique needs. While you can visit us at 8870 Mcgaw Rd Columbia Md 21045, please send any official correspondence to 8870 McGaw Road, Columbia, MD 21045 if it's different. Our friendly team, led by CEO David Woodruff and Board President Alice Mault, is here to guide you through your financial journey. With a dedicated staff of 57 professionals, we're equipped to provide personalized assistance whether you're looking for guidance on loans or savings accounts. With a solid net worth of $70,685,182 and total deposits reaching $23,058,044, we are well-prepared to support your financial goals. Our services include everything from basic checking accounts to rewarding credit cards and comprehensive online banking options. We invite you to explore what makes us different! Give us a call at (240) 228-5250 or visit our website at https://www.aplfcu.org today. Your financial future starts here with us at Apl!

Branch History & Mission

Community Impact

At Apl, we understand that being part of a community means more than just providing financial services; it means giving back. We engage in various outreach efforts throughout the year to support local charities and initiatives. By partnering with organizations dedicated to enhancing quality of life in Columbia and surrounding areas, we strengthen our bonds with those we serve. With one ATM on-site and drive-thru banking available for your convenience, accessing your funds has never been easier. Our friendly staff is always ready to assist you with any inquiries or transactions you may need. In closing, we invite you to become part of the Apl family. Join us today and experience firsthand how we prioritize your financial well-being while actively supporting our community. For more information or to open an account, please call us at 240-228-5250 or visit our website at www.aplfcu.org. Together, let's build a brighter financial future!

Mission Statement

Our mission is simple yet profound: we strive to empower our members by providing excellent financial services while fostering community support. At Apl, we believe that when our members succeed, the entire community thrives. This belief drives us to invest in local initiatives and partnerships that uplift those around us. While members can visit us at our branch location on Mcgaw Rd, official correspondence should be sent to the same address. We are proud to serve the Howard County area with ADA-compliant facilities that welcome everyone. Our operating hours are tailored to fit your schedule: the lobby is open from Monday through Friday from 8:30 AM to 4:30 PM, with drive-thru services available from 8:00 AM to 6:00 PM on weekdays and from 9:00 AM to 12:00 PM on Saturdays.

Our Evolution

From humble beginnings, Apl has continuously adapted to meet the changing needs of our members. We've embraced technology while maintaining personal connections, ensuring that our services are both accessible and efficient. Today, we offer a comprehensive range of financial products including checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions. Our modern amenities such as online banking and mobile payment options make managing finances convenient for everyone.

Branch Location & Accessibility

Welcome to Apl, your friendly credit union located at 8870 Mcgaw Rd in Columbia, MD. Nestled in the heart of Howard County, our branch is conveniently situated near popular landmarks such as the Columbia Mall and the picturesque Lake Kittamaqundi, making it easy for you to stop by while enjoying everything our vibrant community has to offer. At Apl, we prioritize accessibility and convenience for all our members. Whether you're visiting us for personal banking or need assistance with loans and services, our location features ample parking and ADA-compliant access points to ensure a smooth experience. We are also proud to offer drive-thru banking options for those quick transactions on the go. Our doors are open Monday through Friday from 8:30 AM to 4:30 PM in the lobby, and if you need a little extra time, our drive-thru service is available from 8:00 AM to 6:00 PM during the week. Don't forget we're here on Saturdays too! Our lobby and drive-thru are open from 9:00 AM until 12:00 PM for your convenience. Need to withdraw cash or check your balance? We've got you covered with an ATM on-site that's available around the clock. Plus, if you have any questions or need assistance, feel free to give us a call at 240-228-5250. While members can visit us at our branch location, official correspondence should be sent to the same address: 8870 McGaw Road, Columbia, MD 21045. We invite you to drop by Apl today! Our dedicated team is ready to assist you with all your banking needs.

Member Eligibility

At Apl, we believe in creating a welcoming community where everyone can thrive. Becoming a member is simple and opens the door to a range of financial services tailored just for you. If you're looking to join us, you'll find that eligibility is based on a few friendly criteria. Generally, anyone who lives, works, or worships in the area around 8870 Mcgaw Rd Columbia Md 21045 can apply. We also welcome family members of current members! It's our way of ensuring that your loved ones can benefit from our supportive financial environment too. To get started, you can visit our website for more detailed eligibility information at http://www.aplfcu.org/join-apl-fcu. Once you see that you qualify, opening an account is just as easy! You can complete the process online through our account opening page found here: http://www.aplfcu.org/apply-now. If you have any questions or need assistance along the way, don't hesitate to reach out to us at (240) 228-5250. Join us today and experience the advantages of being part of the Apl family!

Business Banking & Commercial Services

Lending Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer merchant services that simplify transactions. Picture running a busy cafe; our payment solutions make it easy for you to accept credit cards and digital payments, ensuring a smooth experience for your customers. This way, you can focus on what you do best serving your clients and growing your business. Located conveniently at 8870 Mcgaw Rd Columbia Md 21045, Columbia, MD, we're here to help you thrive. Contact us at (240) 228-5250 or visit our website at https://www.aplfcu.org to learn more about how we can assist you in achieving your business goals.

Comprehensive List Of Services

ATM and Cash Services

For those times when you need cash quickly, our ATM & Cash Withdrawal Services are available around the clock. Plus, enjoy the simplicity of basic drive-thru banking for quick deposits and withdrawals without leaving your car. At Apl, we strive to make banking easy and accessible for everyone in the community. If you're ready to explore how we can assist you further or have questions about any of our services, don't hesitate to reach out at (240) 228-5250 or visit us online at https://www.aplfcu.org. Join us today and experience banking designed with you in mind!

Business Banking

If you're a business owner, we've got you covered with our Business Banking services. From merchant services that make transactions smooth to business loans that help you expand or invest in new equipment, we aim to support local businesses every step of the way.

Credit Cards

Looking for a way to earn rewards while you spend? Our Credit Cards with Rewards program allows you to earn points on purchases that can be redeemed for exciting benefits. It's a simple way to make your everyday spending work for you!

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking platforms that allow you to manage your accounts from anywhere. Whether it's making deposits, transferring money, or simply checking your balance, our digital banking features ensure that you're always connected.

Loans and Financing

Need a new car? With our Auto Loans & Vehicle Financing, purchasing the vehicle of your dreams is easier than ever. We offer competitive rates and flexible terms so you can drive away happy without breaking the bank. Additionally, if you're considering homeownership, our Mortgage Loans & Refinancing options can guide you through the process with ease. We understand that life can be unpredictable, which is why our Personal Loans & Debt Consolidation services are here to help you regain control over your finances.

Personal Banking

Whether you're looking to open a checking account or start saving for your future, we have options that fit every lifestyle. Our Personal Banking services include various checking and savings accounts designed to help you manage your money efficiently. Imagine having a safe place for your funds while also earning interest on your savings!

Digital & Online Banking

Accessibility and Support

At Apl, we believe in providing accessible banking solutions that fit into your lifestyle. With 24/7 online banking services available at https://www.aplfcu.org, you can manage your finances when it's convenient for you. Whether you're at home or on the move, we're here to support you every step of the way. Explore all these features and more by visiting us today! Experience how easy banking can be with Apl as your trusted financial partner.

Key Features

Need to send money to a friend? Our person-to-person transfer feature lets you send cash quickly and easily without the hassle of checks or cash. If you're looking for a faster way to pay, you'll love our mobile payments option just tap and go! We also prioritize security. Our electronic signature authorization means that you can sign documents digitally with confidence, making transactions quicker without sacrificing safety. And if you prefer paperless statements, our e-statements give you immediate access to your account activity while being kinder to the environment.

Financial Strength

A Solid Foundation

With a net worth of $70,685,182, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 11.40% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Committed Team Ready to Serve You

Our dedicated team comprises 57 full-time employees who are always ready to assist you with your banking needs. We pride ourselves on providing personalized service because your satisfaction matters to us.

Growing Member Base

Total Share Accounts stand at 63,612, showcasing a strong and growing member base that trusts us with their finances. This growth not only reinforces our stability but also enhances the services we can provide. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Apl is your trusted partner. Visit us at 8870 Mcgaw Rd Columbia Md 21045 or call (240) 228-5250 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

Members' savings are secured through $140,330,240 in share certificates and $71,201,175 in money market shares, offering stable and rewarding financial growth opportunities. We prioritize our members above all else; with non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Reinvestment for Growth

With $66,726,399 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This commitment to continuous improvement allows us to adapt to your needs effectively.

Supporting Your Financial Goals

We are proud to offer $7,432 in used auto loans and a total of $442,010,157 in loans and leases. Our lending capacity supports members' financial goals across various sectors. Additionally, our operational efficiency is reflected in our $681,428, enabling us to continue offering competitive loan rates and solid financial products for our members.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $133,937,226 in used vehicle loans and $81,696,648 in new vehicle loans already helping members get on the road. We provide flexible financing options tailored to fit your budget, whether you're purchasing a brand-new model or a reliable used car.

Contact Us

For more information about our loan products or to discuss which option may be best for you, feel free to reach out at (240) 228-5250. You can also visit us at our branch located at 8870 Mcgaw Rd Columbia Md 21045, Columbia, MD 21,045. Our operating hours are Monday through Friday from 8:30 AM to 4:30 PM for lobby service and 8:00 AM to 6:00 PM for drive-thru service. At Apl, we are committed to empowering our members with the financial tools they need for success. Let us help you take the next step toward achieving your financial goals!

Credit Lines and Unsecured Loans

For those needing quick access to funds for unexpected expenses or planned purchases, we offer credit lines totaling $169,182,366. Additionally, we have flexible terms on unsecured credit card loans, with a total of $8,908,312 in loans helping members manage their finances effectively. These options provide the freedom to spend when necessary while keeping repayment manageable.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $67,741,638, make buying or refinancing simple. Our experienced team can guide you through the process and help you find an option that suits your needs.

Refinancing Options

If you're considering refinancing any existing loans for better rates or terms, our team is here to help you explore your options. We aim to ensure that all members can benefit from competitive rates and lower monthly payments.

Loan Aggregator

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APL FEDERAL CREDIT UNION - Columbia, MD

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