- 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.
Student Loans
Education Loan Options for Students and Parents
Maximize your education while minimizing your debt. Whether you are a current student pursuing your next step, a post-graduate looking to refinance your higher-rate student loans or a parent supporting your student’s dreams, we are here to offer flexible options to help those on every path reach their goals.
APGFCU Education Loan
The APGFCU Education Loan can help you design a brighter future.
- Pay for private school (K-12) tuition or higher education expenses such as tuition, books, school supplies, uniforms, and room and board.
- For your convenience, you can borrow more for each semester or year using the same loan account!
- Refinance and consolidate your current education loan balances.1
- Free up your monthly payment outlays, increase cash flow and save on higher-interest loans.
Our Education Loan allows you to borrow up to $50,000 with fixed terms and rates; without application or prepayment penalty fees.*
Rates as low as
5.24%*
Fixed rate with auto pay. *See all loan rates, terms, and disclosures.
Fixed terms and monthly payments.
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.
Sallie Mae Student Loans
Sallie Mae® higher education loans are designed to assist undergraduates and graduate students through their education journeys.
- Competitive interest rates
- Multiple repayment options, including payment deferrals
- No origination fees; no prepayment penalty2
Consider the Smart Option Loan® for undergraduate students for bachelor's and associate's degrees or a certificate at a degree-granting school.
Sallie Mae also offers a suite of graduate loans to pay for expenses included in your school's cost of attendance and designed for your specific degree.
Learn the 1-2-3 Approach to Paying for College
Figuring out how you'll pay for college or other continuing education can be a daunting task. Let us help. Watch this short video to learn the 1-2-3 approach on paying for college, and then find the loan that is right for you.
*APR = Annual Percentage Rate. The rates stated are available on approved credit. Rates may be different as determined by the individual creditworthiness of each applicant. Not all applicants will qualify for the lowest rate. Rates are based on creditworthiness and loan term, and your rate may differ. Rates range from as low as 5.24% APR up to 16.49% maximum APR with automated payments. Loan is for a fixed amount and a fixed term. Advertised rate includes automated payments and rates will be 0.25% higher without automated payments. Loan payments are not deferred and begin immediately. Subject to credit approval. Terms from 12-84 months are available. Loan rates are subject to change.
1Please carefully consider any changes before refinancing federally held loans, as in doing so you will no longer qualify for these changes or other current or future benefits applicable to federally held loans.
2Although we do not charge you a penalty or fee if you prepay your loan, any prepayment will be applied as provided in your promissory note: First to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal.
Membership eligibility applies.