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- Insurance
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- 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.
Insurance Verification Requirements and Questions
Evidence of insurance is required as a condition of your collateral loan agreement. Read below to find answers to the most commonly asked insurance questions.
- Am I required to have full coverage insurance on a collateral loan financed with APGFCU®?
- Yes. While your collateral is financed with APGFCU, you are required to maintain full comprehensive and collision insurance for the entire loan term.
Collateral loans include autos, boats, RVs, Jet Skis, and ATVs. The maximum deductible is $1,000. Boats require a maximum deductible of 3% of the unit’s value, with APGFCU listed as the lienholder and loss payee.
If required insurance is not maintained, APGFCU may purchase collateral protection insurance for its interest. The premium will be added to your loan balance, which will increase your payment.
Important information: Collateral protection insurance does not provide liability coverage. Liability coverage is required by state law. This means damages you cause to others are not covered under this policy. Learn more at the Maryland Motor Vehicle Administration website. - What is the maximum deductible allowed on my auto financed with APGFCU?
- Your deductible may not exceed $1,000.
- Is an insurance card acceptable proof of insurance?
- No. Please provide your insurance declaration page showing APGFCU as the lienholder or loss payee.
Lienholder Address:
APGFCU
P.O. Box 25492
Fort Worth, TX 76124-2492 - Can I submit an insurance binder?
- No. Insurance binders are valid for only 30 days. A declaration page is required.
- What happens if my insurance is canceled or lapses?
- Insurance is required for the full loan term. If coverage is canceled or lapses, APGFCU may purchase collateral protection insurance for the uncovered period. The premium will be added to your loan balance, increasing your monthly payment.
- I already have insurance. Why was a premium added?
- Please submit your declaration page showing full coverage and APGFCU listed correctly using the "Insurance Verification" link. If coverage is confirmed for the full term, you may be eligible for a premium refund, pending documentation review.
- Is the email from [email protected] legitimate?
- Yes. APGFCU partners with myloaninsurance.com administered by State National Insurance Company, to manage insurance documentation.
Submit documents online at myloaninsurance.com or contact State National Insurance Company directly for assistance.
State National Insurance Company
Address:
P.O. Box 25492
Fort Worth, TX 76124-2492
Phone: 1-866-610-2064
Service Fax: 1-877-892-0256
Email: [email protected]