Special Offers

No Closing Cost Home Loan*

You could save thousands buying your new home**

At APCU, we know what a relief it can be to save money during the home-buying process. Our special No Closing Cost mortgage program can keep cash in your pocket when you buy a house** – allowing you to maximize your down payment and focus on making your new house a home. Speak to one of our helpful home loan specialists today at (800) 849-8431, or email [email protected]. We’ll follow up when it’s convenient for you.

Get Pre-Qualified for your new home loan today! Our home loan specialists are ready to get you prepared to make an offer as soon as you find your dream home.

APCU offers great mortgage options to suit your specific needs for down payment, term, interest rate and monthly payment. As a credit union, we can offer rates that are typically much lower than what you’d get from other lenders. Talk with one of our loan specialists today to get started with your custom home loan featuring highly competitive rates.

Plus, our HomeAdvantage service can help you with your new home search, as well as buying or selling of your existing home – and earn you cash rewards in the process. Learn more about how HomeAdvantage can work for you today!

*Not eligible for non-conforming or non-qualified mortgages. First Mortgage loans must be $50,000 or greater and Second Mortgage Loans and HELOC Loans must be for $20,000 or greater with a minimum $10,000 draw on the HELOC loan in order to qualify for the No Closing Costs Program. At closing, the borrower(s) will receive a credit on their Settlement Statement for upfront fees. APCU will pay the Closing Costs [Origination Charge, Tax Service Fee, Title Services and Lenders Title Insurance, Owners Title Insurance (purchases only), Recording and Transfer Charge and Pest Inspection Fee (purchases only)]. Borrower(s) are responsible for paying the Appraisal Fee (range of fee is $300-$765), Credit Report Fee, and Flood Certification Fee (upfront fees) at the time of application. If the borrower(s) does not close the loan, the borrower(s) will not be refunded the upfront fees. If the borrower(s) refinances their existing APCU First Mortgage Loan, APCU Second Mortgage or APCU HELOC, they must take out an additional $15,000 or more above the current mortgage payoff in order to qualify for the No Closing Cost Program. Property Insurance is required. Mortgage and/or HELOC cannot be paid off within 36 months of original financing date. APCU's No Closing Cost Mortgage Program is not available with VA Mortgage Loans.

**Savings based on average closing costs paid at closing.


Online Member Referral

Receive $50 for every family member or ELIGIBLE* friend or co-worker you refer to APCU!

We will deposit $50 in your account for every family member or eligible friend or co-worker you refer to the credit union that opens a new Primary Savings Account with a deposit of $100 or more. We will also deposit a $50 bonus into your family member’s, friend's or eligible co-worker’s account, too. Simply follow the below instructions.

Simply open our secure, online referral form where you will be asked to fill out your name, member number, and e-mail address, as well as the names and e-mail addresses of the family members or eligible co-workers you wish to refer.

Once the online referral form has been submitted, an e-mail invitation will instantly be sent to the individuals you referred. This e-mail will contain a unique referral code that must be provided on your family member’s, friend's or co-worker’s “New Account Application”. A link containing a “New Account Application” is available in the referral e-mail, along with simple, easy to understand account opening instructions.

When you refer your family members and eligible friends or co-workers to APCU, you are giving them the opportunity to share in the same great money-saving financial services you enjoy, such as loans at low, affordable rates and savings and checking accounts that earn higher than average interest rates. You’ll also give your family members, friends or co-workers the safety and security of having their money in one of the nation’s oldest, largest, and strongest federally insured credit unions.

*Offer is limited to new memberships only. Membership eligibility requirements apply: Membership open to USPS employees, retirees and their families in addition to all State of Georgia Employees, and Federal Employees living in the State of Georgia. Anyone who lives or works in the following counties is also eligible for membership: Bibb, Bryan, Chatham, Dekalb, Effingham, Gwinnett, Floyd, Fulton, and Muscogee counties in Georgia. Employees of the credit union, members of the Board of Directors and Board Committees, and the immediate family members of each residing in a single household are not eligible. A minimum opening deposit of $100 to a Primary Savings Account is required to receive the $50 Online Referral Bonus. $50 Online Referral Bonus will be credited within one (1) business day of the new membership opening date to the Primary Savings Account. $50 Online Referral Bonus deposit offer may not be combined with any other offers made by APCU. APCU reserves the right to extend or cancel this offer at any time. The referring member can earn a limit of 20 $50 Online Referral Bonuses per month.


Win Your Auto Loan Payoff up to $35,000

APCU Auto Loan Payoff Sweepstakes

Finance or refinance your auto loan with APCU and we could pay off your auto loan!

APCU appreciates our members and we want to go the extra mile to help you save.

When you purchase or refinance a vehicle through APCU, you are automatically entered to have your loan paid in full!

That’s right, you can enter to win even if you currently have a vehicle loan at another financial institution. Just refinance your loan to APCU between April 1, 2021, and June 30, 2021 to become eligible.

On July 7, 2021, one finalist will be drawn randomly and APCU will pay off a recently financed or refinanced APCU auto loan balance up to $35,000!*

The best part is that even if you don’t win the payoff, you’re still a winner with a great new rate and lower car payment with APCU.*

Contest is limited to normal passenger auto loans only, all other vehicle loans are excluded. Be sure to review the contest rules for eligibility and qualifications.


Special Offer from BaZing

APCU understands that our budget-savvy members are cutting costs where they can during the COVID-19 pandemic. We are pleased to share that our checking account affiliate, BaZing is offering ALL APCU members an array of health and safety related benefits AT NO COST until December 31, 2020. You can save big on:

  • Prescriptions, Eye and Hearing Care
  • Local Pharmacy Prescriptions
  • Mail-Order Prescriptions
  • Eye Care and Hearing Care
  • Personal Identity Theft Benefits

You and your household can take advantage of these great discounts, even if you’re not already enrolled in our Member Benefits Checking Account. Just click here to find out more about each benefit and how to start saving.


Skip-a-Payment

Extra Cash When You Need It Most

Wouldn't it be great if you could skip your consumer loan payment and have some extra cash in your wallet? Well, we have some good news for you. With Atlanta Postal Credit Union's (APCU's) Skip-a-Payment program, you can!

Skip-a-Payment allows you to skip payments on certain consumer loans with the credit union up to twice during the life of the loan. You can choose whichever two payments you like, as long as they are not consecutive payments.

There is a $25.00 processing fee for each loan payment you choose to skip. Click the link below for details about APCU's Skip-a-Payment program. Or, you can call (800) 849-8431 and speak with the Skip-a-Payment Administrator about how our Skip-a-Payment program can help free up the cash you need, when you need it.

Skip a Pay Request Form


Love My Credit Union

Your credit union membership is about the trust and care of community, built around where you live, work and play. That’s why APCU membership saves you money through exclusive member-only offers through our trusted partners. Through Love My Credit Union Rewards, credit union members have saved over $2 billion with offers like:

  • Savings up to $15 on TurboTax federal products.
  • Save up to $360 per year on your wireless bill by switching to Tracfone no-contract wireless.
  • Exclusive discount from the TruStage Home & Auto Insurance Program.
  • Members save on SimpliSafe, the #1 expert pick for home security.
  • Exclusive access to the Love My Credit Union Rewards Powersports, RV & Boat Buying Program.
  • Save on car maintenance + get $10 off your first service using CarAdvise.
  • Save 40% on a 1-year membership to Sam's Club.
  • Build your credit history with rent and save up to 30% with Rental Kharma.
  • Save $40 on Calm, the #1 app for meditation and sleep.
  • Save on your Travel and Entertainment needs like Car Rentals, Hotels, Theme Parks, Movie Tickets and more!
  • Get Asurion Home+ protection for your TVs, laptops, gaming systems, smart devices and much more for $25/month.

Learn all about how your APCU membership gets you all these exclusive savings and more at LoveMyCreditUnion.org. Check them out and start enjoying credit union member benefits you never knew you had!


Get Away Today

At APCU, we believe in helping hardworking people save money every day. We know that it can be challenging to afford a vacation or special trip, so we work with a few partners to offer discounts for APCU members.

Get Away Today Vacations

Make priceless family memories with an unforgettable trip! Get Away Today offers theme park tickets for some of the major attractions in Orlando. There are a variety of Walt Disney World® Resort ticket options available including Base Tickets, Park Hoppers®, and Premium tickets all ranging from two to seven days in length. Universal Studios®, Universal's Islands of Adventure®, Busch Gardens, and Sea World tickets are also all available.

If you're thinking about a more exotic vacation, they also offer options in Hawaii, Mexico, and at the all-inclusive Sandals® and Beaches® Resorts in the Caribbean.

Mention APCU when you call Get Away Today at 1-855-GET-AWAY (438-2929) to get the best prices and service on airfare, hotels, and attractions.

NOTE: When you click on any of the listed links, you are leaving APCU's website and you are linking to an alternate website not operated by the Credit Union. APCU is not responsible for the availability or content of any alternate website. APCU does not represent either the third party or you if you enter into a transaction. Privacy and security policies may differ from those practiced by the Credit Union.

Resources

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