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

Introduction

Welcome to Apl, your trusted partner in financial well-being, located at 11050 Johns Hopkins Rd, Laurel, MD 20723. Established in 1954, we have been dedicated to serving our community and providing exceptional financial services for nearly seven decades. With a robust membership of over 30,412, our commitment to our members is reflected in the $630,726,583 total assets we manage and the $23,058,044 in total deposits that show the trust placed in us by our valued community. At Apl, we understand that banking is more than just numbers; it's about building relationships and supporting your financial journey. Under the leadership of CEO David Woodruff and Board President Alice Mault, our team of 57 employees is here to provide personalized service tailored to your unique needs. We offer a wide range of services including checking and savings accounts, auto loans, mortgage options, personal loans, credit cards with rewards, and business banking solutions. While members can visit us at our branch address, official correspondence should be sent to P.O. Box 418, Laurel, MD 20725. We pride ourselves on being accessible; you can reach us at 240-228-5250 or send a fax to 240-228-5771 for any inquiries. As part of our ongoing commitment to you and the community, we maintain strong financial health with a net worth of $70,685,182 and cash reserves amounting to $2,277,228. Our focus is always on ensuring that your funds are safe while providing opportunities for growth through various lending options. We invite you to explore how Apl can assist you in reaching your financial goals. Visit us online at www.aplfcu.org or stop by our branch during lobby hours from Monday to Friday between 8:30 AM and 4:30 PM. Together, let's build a brighter financial future!

Branch History & Mission

Commitment to Community

At Apl, we believe in giving back. We actively participate in various outreach programs aimed at improving the lives of those in our community. Whether through financial literacy workshops or partnerships with local organizations, we aim to empower individuals with the knowledge they need to make informed financial decisions. While members can visit us at 11050 Johns Hopkins Rd Laurel Md 20723, official correspondence should be sent to P.O. Box 418, Laurel, MD 20725. Our branch is easily accessible with ATM availability for your convenience and a drive-thru service for quick transactions.

Looking Forward

As we continue on this journey together, we remain focused on enhancing our digital services for a more convenient banking experience. With features like online banking and mobile payments available, managing your finances has never been easier or more secure. Join us at Apl and become part of a community that values support, growth, and togetherness. Experience firsthand how we can help you achieve your financial aspirations while making a positive impact in Laurel and beyond. For any questions or assistance, feel free to reach out to us at 240-228-5250 during our lobby hours from Monday through Friday between 8:30 AM - 4:30 PM or Saturday from 9:00 AM - 12:00 PM. We invite you to explore what makes Apl special your journey towards financial wellness starts here!

Our Journey

From the day we opened our doors, Apl has been dedicated to helping our members achieve their financial goals. Over the years, we have expanded our offerings and enhanced our services, now boasting total assets of over $630 million. This growth reflects not only our commitment to sound financial practices but also the trust and loyalty of our members. Our team has worked diligently to ensure that every member feels valued and supported. Our mission is simple yet profound: We strive to deliver quality financial services while fostering a strong sense of community. We understand that banking goes beyond transactions; it's about building relationships and uplifting those around us. This philosophy drives us as we offer a wide range of services including checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking solutions.

Branch Location & Accessibility

Call to Action

Whether you're looking for financial advice or want to open an account, our friendly staff is ready to assist you. Feel free to give us a call at (240) 228-5250 if you have any questions or simply drop by for a visit. We look forward to welcoming you at Main Office!

Nearby Landmarks and Accessibility

You can find us near popular spots such as and , making us a convenient stop for your banking needs. Our branch features accessible parking and complies with ADA standards, ensuring everyone can visit us comfortably. We also have ramps for easy entry, so bringing along family or friends is simple.

Operating Hours and Services

We understand that life gets busy, which is why our lobby hours are tailored for your convenience. Join us from 8:30 AM to 4:30 PM, Monday through Friday, and don't forget our Drive-Thru services available from 8:00 AM to 6:00 PM on weekdays and 9:00 AM to 12:00 PM on Saturdays. At Apl, we offer a wide range of services including personal banking options like checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking solutions. Plus, you can enjoy the ease of online and mobile banking whenever you need it!

Member Eligibility

Becoming a member of Apl feels like joining a close-knit family that truly cares about your financial well-being. Located at 11050 Johns Hopkins Rd Laurel Md 20723, we welcome anyone who lives, works, worships, or attends school in our community. If you're related to someone who is already a member or if you work for one of our partner organizations, you're also eligible! Our membership comes with fantastic benefits, including personalized service and a range of financial products designed to help you achieve your goals. Joining is simple and straightforward! To get started, just visit us online at http://www.aplfcu.org/join-apl-fcu where you can find detailed information on eligibility criteria. When you're ready to open an account, check out the easy steps outlined at http://www.aplfcu.org/apply-now. If you have any questions or need assistance, feel free to call us at (240) 228-5250. We're excited to welcome you into the Apl community!

Business Banking & Commercial Services

Business Loans that Support Growth

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. Additionally, 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 Tailored for You

In today's fast-paced market, effective payment solutions are crucial. Our merchant services are designed to simplify transactions for your business. Imagine being able to accept payments easily from customers while managing your sales data all in one place. Whether you run a retail shop or provide services, our tools make it easy to keep track of your finances and improve customer satisfaction. Let us partner with you on your journey to success at Apl. Visit us at 11050 Johns Hopkins Rd Laurel Md 20723 or call us at (240) 228-5250 to learn more about how we can support your business needs!

Comprehensive List Of Services

Business Banking Services

For those running a business, Apl provides essential banking services tailored specifically for entrepreneurs. Our merchant services make transactions seamless, while our business loans offer funding opportunities to help grow your venture.

Commitment to Accessibility

At Apl, we are committed to making banking accessible for everyone. Our branch operates with flexible hours Monday through Friday from 8:30 AM to 4:30 PM in the lobby and until 6:00 PM at the drive-thru, plus Saturday service from 9:00 AM to 12:00 PM ensuring you can visit us when it suits you best. If you're ready to experience personalized service from a trusted financial partner, don't hesitate to reach out! Call us at (240) 228-5250 or visit us online at https://www.aplfcu.org for more information on how we can assist you today!

Credit Cards & Rewards

Don't forget about our credit cards with rewards! These cards not only offer great perks but also help build your credit score. Whether you're shopping for groceries or planning a getaway, earn rewards on everyday purchases that can bring you closer to exciting experiences.

Online & Mobile Banking Convenience

In today's fast-paced world, convenience is key. That's why we prioritize digital banking features at Apl. With online and mobile banking, accessing your accounts is simple and secure. You can transfer funds, pay bills, and check balances from anywhere at any time. Our ATM services provide easy access to cash withdrawals and balance checks without needing to visit the branch physically. Plus, our drive-thru service allows for quick deposits and withdrawals without leaving your vehicle.

Personal Banking Solutions

When it comes to personal banking, Apl offers a variety of options designed to fit your lifestyle. Our checking and savings accounts make it easy for you to manage your day-to-day expenses while saving for future goals. If you're looking to finance a vehicle, our auto loans provide competitive rates and flexible terms to ensure you drive off with the perfect car without breaking the bank. Homeownership dreams can become a reality with our mortgage loans and refinancing options. We work closely with you to find the best mortgage solutions that suit your financial situation. Additionally, our personal loans can assist with debt consolidation or unexpected expenses, giving you peace of mind during life's surprises.

Digital & Online Banking

Key Features of Our Digital Banking Services

Our online banking platform provides 24/7 access to your accounts, allowing you to check balances, transfer funds, and pay bills with ease. Whether you're at home or on the go, you'll have real-time control over your finances. Plus, with our mobile application available for download, managing your money has never been simpler. Need to send money to a friend? Our person-to-person transfer feature makes it fast and easy. You can send cash directly from your account without the hassle of writing checks or handling cash. And if you're looking for added flexibility, our mobile payments option lets you pay using just your smartphone perfect for those busy days when you're out and about.

Security and Accessibility

We take your security seriously. With electronic signature authorization available, signing documents online is both safe and straightforward. You won't have to worry about lost paperwork or lengthy processes. Additionally, our e-statements help you stay organized by providing digital copies of your statements whenever you need them. The combination of user-friendly features ensures that everyone from tech-savvy users to those new to online banking can navigate their accounts easily. With Apl, managing your finances is not only convenient but also secure and accessible. Experience the ease of modern banking with us today!

Financial Strength

A Dedicated Team at Your Service

We take pride in having 57 full-time employees ready to assist you. Our knowledgeable staff is dedicated to providing you with exceptional service at every visit.

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 $1,140 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Demonstrating Operational Excellence

Our performance reflects our commitment to operational efficiency with a net income of $3,894,545. This allows us to continue offering competitive loan rates and solid financial products tailored for you.

Growing Together

Total Share Accounts stand at 63,612, showcasing a strong and growing member base that trusts us with their finances. This community is what drives our success, and we're committed to continuing this journey together. 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 11050 Johns Hopkins Rd Laurel Md 20723 or call (240) 228-5250 to learn more about how we can help you achieve your financial goals.

Investments in Your Future

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. Our lending capacity is robust; we have $7,432 in used auto loans and $442,010,157 in total loans and leases to support your financial goals across various sectors.

Member Savings at Work

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. Unlike traditional banks, we prioritize our members. 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.

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. Whether you're looking for a brand-new model or a reliable used vehicle, our financing options can help make it happen. Plus, if you're considering refinancing an existing auto loan, we can guide you through the eligibility options available.

Credit Lines

For those looking for more flexibility in managing their cash flow, we offer credit lines totaling $169,182,366. This option allows you to borrow what you need when you need it without having to apply for a new loan each time. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. If you're interested in learning more about any of these products or would like assistance with applying for a loan today, please don't hesitate to reach out to us at 240-228-5250. We're here to help you navigate your financial journey!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $67,741,638, making buying or refinancing simple. We know that securing a mortgage is one of the most significant financial decisions you'll make; our team is here to assist you every step of the way.

Unsecured Credit Card Loans

Managing everyday expenses has never been easier with our flexible terms on unsecured credit card loans. With a total of $8,908,312 in loans issued, we're here to help you manage your finances effectively. Whether it's for emergencies or everyday purchases, our credit cards come with features designed for your convenience.

Loan Aggregator

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Apl