Drive-thrus and branch appointments are available Monday through Saturday at participating locations. Click here for details and the latest updates in response to coronavirus/COVID-19.
Earn more on your balances with High Yield Checking.
Low-rate personal loans to consolidate debt
Teach children the importance of money with our new M3 Money Club Youth Program.
APGFCU now offers business banking and cash-management services.
We serve Harford County, Cecil County and certain areas of Middle River, Maryland. Once you're an APG Federal Credit Union member, you're always a member.
Whether you're starting out or starting over, we offer loans to help build your credit history.
Sometimes, financial hardships and credit obstacles make it challenging to meet obligations. Unforeseen events such as job loss, divorce or an illness can result in unexpected bills or late or missed payments. At APGFCU, we understand that life challenges happen, and we want to help you get back on track.
Our Credit Builder program is designed to help members like you who have had credit obstacles but who demonstrate a 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.
If you are ready to take control of your credit, contact us at CreditBuilder@APGFCU.com.
Membership eligibility requirements apply. Loan approval based on creditworthiness.
Share secured loans are the easiest and most economical way to help build your credit history.
Let your savings work for you while you borrow against your account to consolidate debt, finance repairs, and more. Simply choose your loan amount and it will be pledged from your Share Savings or Money Market account.
It's a good way to build good credit history safely and responsibly.
View Rates & Disclosure
Apply for a Shared Secured Loan
OnSite Financing is designed to provide you with the value you expect from a local lender. OnSite Financing can help you fund the special purchases and services you need - when you need them most.
Financing Program Features:
1Actual financing application processing time is dependent on each applicant's credit history and submission of proper documentation. 2Annual Percentage Rate depends on applicant's creditworthiness and eligibility. Payment example: Borrow $15,000 @ 9.49% APR for 72 months for $274.05 per month.
Life is unpredictable and can disturb the funds for your loan payments — we understand. With APGFCU Skip-A-Pay, you can choose to skip one payment every 12 months on your personal, auto, home improvement, education, or recreational loans without penalty.
Finance charges (interest) will continue to accrue on a daily basis during the month the payment is skipped. Certain restrictions apply.