- 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
Delayed Opening 01/27/26
Our branches will open at 10 a.m. on Tuesday, January 27, 2026, due to inclement weather. Our call center will be available to assist you beginning at 8 a.m.
You can also manage your accounts anytime through our Online Banking, Mobile Banking, ABBY, and our ATM network.
IMPOSTER SCAM ALERT
APGFCU will never contact you unexpectedly by text, email, or phone to request personal or financial information. We also won’t send representatives to your home to collect debit or credit cards or cash.
If you get a message claiming to be from APGFCU that asks for this information, do not respond.
To report a suspicious text or email, click here.
Credit Builder
Build Credit. Build Confidence.
At APGFCU, it’s all about people helping people. That’s why we offer the Credit Builder Program to help you take control of your credit and your future.
Build your credit. Lower your rate.
Our Credit Builder Program is designed to help members like you who experienced a change in their financial situation but who demonstrate a willingness and commitment to repay their loans on time. Our goal is to help every member achieve financial success, and the Credit Builder program is one way APGFCU does that.
If you’re having difficulty securing financing, the APGFCU Credit Builder Program may be right for you. The Credit Builder program offers secured and unsecured loans with reasonable interest rates and manageable repayment periods. We’ll work with you to put you in the right loan and get you back on track. Plus, if you pay as agreed for one year, we’ll even lower your interest rate – automatically.
The following loan types offer the Credit Builder program:
- Auto Loans
- Personal Loans
- Education Loans
- Home Improvement Loans
- Boat Loans
- RV Loans
- Motorcycle Loans
- Manufactured Home Loans
- Home Equity Loans (Fixed)
How to apply:
For Home Equity Loans, click the button below and start a new application. When asked "What type of loan are you looking for?" choose "I want to borrow against the equity of my property".
Apply for a Home Equity Credit Builder Loan
For all other loans, click the button below and choose the loan type.
Apply for a Credit Builder Loan
Leverage cash on hand
A My Money shared secured loan is another borrowing option, which offers the ability to use money you already have in savings as collateral to fulfill your short-term borrowing needs and improve credit. Click here to learn more.
Manage Your Loan Payments Online — Anytime, Anywhere.
Save Valuable
Time
Pay your loans online without the hassle of mailing, calling or visiting a branch.
Link Your External Accounts in
Online and Mobile Banking
Easily connect accounts from other financial institutions to view everything in one place.
Anyone Can
Pay
Members and guests alike can make loan payments with our Loan Payment Portal.