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Leadership Insights: Making Lending Easier

Leadership Insights: Making Lending Easier

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A Message from Chief Lending Officer, Jeff Long

People often ask me, what's the best part of your job?

For me, it's simple — the joy of lending at Apple Federal Credit Union is that it is literally our purpose. Our loans are improving lives and fulfilling dreams, both for our members and the people served by their businesses.

Members have consistently chosen Apple FCU for their lending needs over the years because of our exceptional service and competitive rates. They've also provided feedback about how we can deliver an even better lending experience.

As Chief Lending Officer, I'm proud to share that Apple FCU is launching multiple new lending products and solutions that will change how we assist individual members and small businesses.

Small Business Lending

Did you know that 99% of all businesses are small businesses?

Apple Federal Credit Union recognizes that small businesses make up the backbone of our business community. Whether it's funding equipment purchases, providing a Working Capital Line of Credit or setting up an Apple FCU Visa® Business Rewards Card, our job is to take care of your unique business needs.

When small businesses need money, there is no time to waste. At Apple FCU, we strive to provide exceptional lending service; however, we know that, in the past, our process has not always been the quickest or most convenient.

After listening to our members, we are revamping our underwriting to significantly reduce the time it takes to process small business loans. Loans that used to take up to 10 days to complete will now take less than two. Small business owners can confidently expect answers within hours, not weeks, making it quicker and easier to move their business forward.

Our expert lenders are always available to guide you through the loan application process. If you are interested in opening a small business loan with Apple FCU, visit our website to view our lending options to grow your business.

Quick Pay

Making a loan payment should be simple and easy.

Apple Federal Credit Union's Online Banking and Mobile App platforms offer 24/7 access to your accounts, allowing you to view transactions, pay bills and manage your finances at your convenience.

We are also launching our new Quick Pay portal, which will remove the confusion from the loan payment process by allowing you to schedule a payment within seconds.

Quick Pay will allow users to make a one-time loan or mortgage payment from any Checking or Savings account. You do not need Apple FCU Online or Mobile App credentials to use Quick Pay. Simply enter a couple of data points and select your loan. The Quick Pay portal will walk you through the rest.

You can find Quick Pay on the Pay My Loan page of Apple FCU's website starting later this summer. Of course, our lending team is always available to answer any questions about your loan, either in person or by scheduling an online appointment.

Personalized Offers

Apple Federal Credit Union is not only making lending simpler and easier — we are also taking the guesswork out of the application process.

Beginning later this month, we are launching a new experience on our digital banking platforms where you can view specific pre-approved loans and offers. Also, you can view your credit score for a quick glance at your credit health.

Whether it is a new Auto Loan or Visa® Credit Card, this digital experience will show you personalized offers tailored to your needs. Simply select an offer and confirm the amount, term and rate that works best for you. You can accept offers within seconds, making the lending process quicker and more transparent.

Apple FCU's top priority is ensuring that you, your family or your business receives the support it requires. Our greatest strength as a credit union is the trust you place in us. Only by listening to our members can Apple FCU offer the unique products and financial solutions you expect.

Whether you are starting small or dreaming big, Apple Federal Credit Union's lending team would love to provide you with the support and resources you need. Thank you for your business, and thank you for being a member of our credit union.

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