Credit Report Information

Your Credit Report really makes a difference!

If it’s been awhile since you checked what’s contained in your credit report, it
makes sense to look it over. Members living in Colorado, Georgia, Massachusetts, Maryland, New Jersey, and Vermont are entitled to one free credit report each year from each of the Credit Reporting Agencies (CRAs). Members in other states who have been denied credit, employment, insurance or rental housing based on information on their credit report, or who certify in writing that they suspect their credit report may contain fraudulent information are also able to obtain a credit report at no charge.

The easiest way to get your free annual credit report(s):
Click on over to All three CRAs are linked from this site.
Do not confuse this site with, which, while it does make it
possible to get your credit report free of charge, is primarily a for-profit site that will encourage you to pay for extra services.

How to contact the three Credit Reporting Agencies individually:
(The Credit Union does not guarantee the accuracy of the information provided

Call 1-800-997-2493
Mail: Equifax Information Service Center
PO Box 740241
Atlanta, GA 30374-0241

Call 1-888-397-3742
Mail: Experian National Consumer Assistance Center
PO Box 9595
Allen, TX 75013-0036

Call 1-800-888-4213
Mail: Trans Union LLC
Consumer Disclosure Center
Springfield, PA 19064-0390

Route 66 Extended Warranty

  • Route 66 Coverage Benefits:
    • $0 Deductible on ALL plans
    • 30 day “free look” – cancel for any reason within the first 30 days and receive a full refund
    • Emergency Roadside Service (up to $50 per incident): towing, lock-out service, jump start & fuel delivery
    • Rental Car Allowance (Easy Street-$50 per day, Main Street/First Street-$40 per day)
    • Open Enrollment-coverage at any time!
    • Battery Coverage (Easy/Main Street Plans)
    • Competitive Rates!
    • And SO MUCH MORE!

We can establish the best plan for your needs in minutes! All we need is your car’s mileage & VIN to get a quote or to register a policy.
Call the credit union for more information or a brochure! 719-542-3379 in Pueblo or 719-784-0600 in Florence.

GAP (Guaranteed Asset Protection)

Purchasing a vehicle is an important decision and major investment. Did you know that if your vehicle were to be totaled or stolen, your insurance company might not pay off the entire loan balance?

In the event of theft or total loss of your vehicle, most insurance companies only pay the cash value of the vehicle at the time of the loss. In today’s automobile market, a vehicle begins to depreciate the minute it is purchased. Because of this, a vehicle’s outstanding loan balance is frequently higher than its actual cash value, especially during the first few years of the loan. Your remaining loan balance could be much greater than the cash value of your vehicle, creating a deficiency that you’re liable for! What is the “GAP” on your vehicle? You may be surprised at the answer!

Would you be able to pay off your loan or continue making monthly loan payments if your vehicle is deemed a total loss by your auto insurance policy and the settlement does not pay off your auto loan?

Here’s how GAP works. Let’s say after one year, the vehicle you purchased for $25,000 is now valued at just $16,000, but you still owe $20,000 when it is involved in an accident and your insurance carrier deems it a Total Loss. Most insurance policies will only reimburse you for the “Actual Cash Value (ACV)” of your vehicle, $16,000 in this case, leaving you with a large loan balance and no vehicle.  Here is an example of what you would owe without GAP;

  • Amount you owe on your auto loan = $20,000
  • Your Insurance Company “ACV” = $16,000
  • Your Insurance Deductible =      $500
  • Amount Paid by your Insurance = $15,500

Remaining loan balance or GAP              =   $4,500

GAP…For Affordable Peace of Mind**.  For more information, please contact the one of our loan officers.


**This is general information only. Please refer to your actual GAP Waiver Addendum (GAP) for terms, conditions, coverage, limitations, and restrictions. GAP is not an insurance policy and does not replace or eliminate the need for vehicle insurance coverage. GAP is designed to “help” reduce the difference between your primary carrier insurance settlement and the loan balance at the date of loss.  However, there are exclusions and limitations for items like delinquent payments, late charges, refundable items and financing more than the allowable Loan to Value (LTV%) limit that could leave you responsible for a loan balance after the GAP benefit is applied to your loan.  You may cancel GAP during the first 60 Days and receive a full refund of any fee paid.  GAP is non-refundable in most states after the first 60 Days.

Mortgage Loans

Residential Lending:
Pivot Lending Group

5935 S. Zang Street, Ste 220
Littleton, CO 80127


Since 2002, our mortgage partner, Pivot Lending Group, has partnered with credit unions in Colorado, Arizona, Kansas, Utah, Nebraska, Missouri, Iowa, Illinois, Texas, Tennessee and Wyoming. This partnership has made us acutely aware that choosing the right mortgage partner for our members is a vitally important decision. We always strive to set the standard for our members and Pivot Lending Group has built a proven and time tested portfolio of lending options that allows it to customize the level of service that best fits member needs. Our dedication to providing the highest level of service is the cornerstone of our success which is why we choose to partner with Pivot Lending Group.

  • 15 year or 30 year Mortgages
  • First Time Home Buyers
  • FHA/VA
  • Refinancing
  • More!


Regulated by: the Division of Real Estate (CO) ∙ the Arizona Department of Financial Institutions (AZ) AZ# 0913361 ∙ the Office of the State Bank Commissioner (KS) Kansas Licensed Mortgage Company License No. MC0025226 ∙ the Wyoming Division of Banking (WY) WY# 2277 – We do business in accordance with the Fair Housing Law and Equal Credit Opportunity Act. – NMLS# 109995



Commercial Lending:
Centennial Lending
600 S. Airport Road, D-300
Longmont, CO 80503
Call 719-542-3379 (Pueblo) or 719-784-0600 (Florence) to speak with a loan
officer for more information.

Student Loans for PGAFCU by Sallie Mae

Whether you’re an undergraduate, graduate student, or parent, Get money for school from Sallie Mae®

Student loans from PGAFCU in partnership with Sallie Mae® could help!

Sallie Mae® higher education loans are designed for the needs of undergraduates, graduate students, and parents.

– Competitive interest rates

– Multiple repayment options

– No origination fees; no prepayment penalty1

Smart Option Student Loan® for Undergraduate Students

Parent Loan

Plus, the graduate loan suite is designed to meet

the needs of students in specific fields of study.

Find out which loan is right for you

Borrow responsibly

We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Students and families should evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan.

These loans are made by Sallie Mae Bank or a lender partner. Pueblo Government Agencies FCU is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers.

Smart Option Student Loan and graduate loan products: This information is for students attending participating degree-granting schools. Smart Option Student Loan information is for undergraduates only. Graduate Certificate/Continuing Education coursework is not eligible for MBA, Medical, Dental, and Law School Loans. Borrowers must be U.S. citizens or U.S. permanent residents if the school is located outside of the United States. Non-U.S. citizen borrowers who reside in the U.S. are eligible with a creditworthy cosigner (who must be a U.S. citizen or U.S. permanent resident) and are required to provide an unexpired government-issued photo ID to verify identity. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.

Second Chance/Credit Builder Program

Build your Credit and your Savings all in one shot!

  • Borrow $500- $5,000
  • Guaranteed Approval*
  • Fixed Interest rates as low as 5.80% APR
  • You select repayment term (9 to 60 months)
  • Low monthly payments
  • Payroll deduction or automatic transfer for payment options available
  • Reports to credit bureaus

Loan proceeds are deposited to your savings then pledged to the loan until it is repaid. Payments made will be shown on your credit report. Ask for more details! Please see the chart below for examples or contact us for a different payment option.

*Must meet lending policy requirements, rates are as low as quoted with approved credit and are also based off of the term. Guaranteed Approval as long as you have income. APR= Annual Percentage Rate. Rates are subject to change without notice. Options shown are for examples.

$500 goal
$23/monthly payment
24 month term
Rate as low as 6.30% APR
Interest you’ll pay $32.52
More examples

Signature Loans

If you’ve got an emergency or a sudden bill, a signature loan can help. A signature loan (also known as a personal loan) uses only your signature as a promise to pay.

We usually have a different signature loan special each month so give us a call at

1-800-831-3916 and ask about our current loan specials.

Rates as low as 8.75% A.P.R. Regular Signature Loan

Click here to Apply

*Must meet lending policy requirements, rates are as low as quoted with approved credit and are also based off of the term

SecurLOCK Equip

SecurLOCK Equip is a mobile app that allow you to control how, when, and where your PGAFCU Credit Cards are being used. It is a simple and secure way to manage and monitor your payment transaction activity. SecurLOCK Equip can help keep your payment cards safe and provide instant notifications whenever your card is used.

  • Real-time alerts
  • Turn your card off/on
  • Set your location- if you are traveling, you can update your location to allow your transaction

Download SecurLOCK Equip