- Learning Hub
- Free Financial Education
- Security
- College Planning and Education Loans
- Benefit Programs
- Financial Resources for Educators
- Insurance
- Financial Wellness in the Community
- Articles & Resource Library
- Financial Calculators
- IRA - Individual Retirement Accounts
- Overdraft Protection Services
- How to Bank Remotely
- Locations
- Aberdeen Branch
- APG Branch
- Bel Air — Amyclae Branch
- Bel Air — Home Loan Center, Main St. (No ATM)
- Bel Air — Laurel Bush Branch
- Bel Air — Main St. Branch
- Cecil College Branch
- Chesapeake City Branch
- Edgewood Branch
- Elkton Branch
- Fallston Branch
- Forest Hill Branch
- Havre de Grace Branch
- North East Branch
- Rising Sun Branch
- Riverside Branch
- Notary Services
- Dundalk Branch
- Perry Hall Branch
- Cockeysville Branch
Privacy Policy
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Labor Day Closure
We will be closed on Monday, September 7, for the Labor Day holiday observance.
Online/Mobile Banking, ABBY Telephone Teller and ATMs will be available during this time.
Regular hours will resume on Tuesday, September 8.
Business Savings
†The 15-month promotional Annual Percentage Yield (APY) listed is effective as of 07/24/2026. Rate and promotion are subject to change at any time, without notice. Fees may reduce earnings. Minimum deposit of $100. 15-month certificate will automatically renew to an 18-month term upon maturity unless action is taken. Penalty for early withdrawal. Other restrictions may apply.
Please contact our Business Banking Department at 410-272-4000 ext. 2377 or request a branch appointment to get started.
Where Business Meets Savings
Growing your business keeps you busy. Comparing fees and searching for great savings rates shouldn’t. At APGFCU, we offer our business members the same competitive rates on our deposit accounts that we offer all our members – the way it should be.
All of our business savings accounts include the following:
- Deposit liquidity
- Easily transfer funds to your business checking
- APGFCU@Work Workplace Banking
- Online Banking for Business with Bill Pay
Explore our business saving account options below to find the best fit for your needs.
Savings Accounts
This account is ideal for smaller or newer businesses and offers a convenient way to manage savings.
Account Highlights
- Save for taxes or capital improvements
- Deposit or withdraw funds at any time
Annual Percentage Yield
0.20%*
Dividends are compounded and credited quarterly on the daily balance. *See all business account rates, terms, and disclosures.
Certificates
Elevate your business savings with our certificates and benefit from a range of competitive fixed rates.
Account Highlights
- Terms from three months to eight years
- A variety of fixed rates
Annual Percentage Yield as high as
4.30%*
Dividends are compounded and credited quarterly on the daily balance. *See all business account rates, terms, and disclosures.
Money Market Accounts
Our business money market accounts help grow your funds until you need them. Maximize your earnings with a higher rate based on your balance.
Account Highlights
- No term or penalty for withdrawal
- Earn a higher rate based on your balance
- A $2,500 minimum daily balance is required, otherwise a monthly service charge applies
Annual Percentage Yield as high as
1.00%*
Dividends are compounded and credited monthly.
For balances $100,000 and above.
*See all business account rates, terms, and disclosures.
Perks and Benefits
We're committed to providing a comprehensive suite of products, services, and support designed to help businesses succeed. Opening a business savings account unlocks many tailored benefits to support your financial goals:
Competitive Rates
Earn more on your balance with a high annual percentage yield (APY).
Online & Mobile Banking
Manage your finances on the go with our secure mobile banking app and online portal.
Personalized Service
Experience tailored solutions and one-on-one support from our dedicated team.
Local Expertise
Tap into our deep understanding of the local business community and economy.
Community Focus
We're vested in the success and growth of local businesses in our community.
Federally Insured
Your deposits are secure and backed by the full faith of the federal government.
Business Savings FAQs
- How do I open a Business Savings account?
Request to speak with a business banking professional or schedule an appointment.
- What do I need to open an account?
Refer to our Business Account Opening Checklist for required documentation.
- Is there a fee for your business savings account?
Refer to our Fee Schedule for a list of our products and services.
- When will my deposit be available?
APGFCU is committed to accommodating all of your business's cash flow needs. Please check our terms and conditions for our funds availability policy.
- What types of business loans do you offer?
APGFCU offers a range of financing solutions to meet the unique needs of your business. Whether you are looking to acquire a commercial property, need a credit card for daily expenses, or just need working capital in general, speak to a business banking representative today.
More Ways to Manage, Earn and Borrow
Cash Management and Business Services
Streamline your operations with our comprehensive cash management tools and support services.
Business Loans
Fuel your business growth with our diverse lending solutions and competitive credit cards.
Need Help with a Business Savings Account? Get in Touch!
For more information about or help with a business savings account…