- 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.
John Carroll School CampusCardsTM
Use your John Carroll School student ID and APGFCU® savings account to make purchases on campus!
APGFCU has partnered with The John Carroll School and Business Focused Internet Systems, Inc. to bring the students, faculty and staff an exclusive CampusCards program. The PIN-activated card empowers students and faculty to conveniently make purchases across the high school campus with their student and staff ID.
Students and staff can use the card for purchases in the cafeteria and at the school store. The purchase amount will be withdrawn from their linked APGFCU savings account.*
Worry no more about lost lunch money or over spending. With the John Carroll CampusCard, you can rest easy knowing only the cardholder can make purchases from the account using a PIN they select. Plus, students learn how to manage a savings account with financial education resources provided by APGFCU.
Have questions about the John Carroll CampusCard?
See our FAQs below or call Member Service Center at (410) 272-4000.
- How does the John Carroll CampusCard program work?
APGFCU has partnered with The John Carroll School to simplify transactions in the cafeteria and at the school store for students, faculty, and staff. The CampusCard links your John Carroll ID to your APGFCU savings account. Any transactions on campus are deducted from your savings account, which eliminates the need to carry cash or other payment options. The PIN-based card ensures that only you, the cardholder, are able to securely make transactions using a PIN you have set.
If you are not an APGFCU member and would like to take advantage of this program, please open an account online or visit one of our branch locations to get started.
If you open an account online, please select "John Carroll CampusCard" when asked how you heard about us.
- Where can CampusCards be used?
CampusCards can be used in the cafeteria and at the school store on John Carroll’s campus. Cardholder will need to enter their four-digit PIN after swiping their card at the cashier terminal.
CampusCards cannot be used for any transactions or merchants off campus.
- How do I fund and monitor my CampusCard?
The APGFCU savings account is linked to the CampusCard, which provides all of the benefits and features we have to offer. Track balances, manage spending, and monitor activity with APGFCU Online and Mobile Banking. Digitally deposit a check with mobile deposit, or send and receive funds with our internal transfer tool.
If a parent or guardian is a joint account holder with the student, they can transfer funds between their accounts at any time in Online and Mobile Banking. Transfers can also be made at our 55,000 free ATMs, 15 convenient branch locations, and by phone through our Member Service Center at (410)-272-4000.
To learn more about APGFCU's digital banking options, please visit our Online and Mobile Banking page.
- What if I have an issue with my CampusCard?
John Carroll Administration can assist with the following issues:
- Lost or stolen IDs
- Resetting your PIN
For any issues related to the linked APGFCU savings account, please contact the APGFCU Member Service Center at (410) 272-4000.
U Educate Member Rewards
Teachers and school staff are vitally important to the communities we serve. So we make it a priority to support them. Our U Educate Member Rewards Program can help educators save money through specialized products, discounts, preferred rates and reduced fees.
*Cash withdrawals are not permitted.
1Annual Percentage Yield (APY) for share savings account is 0.20% APY. The APY is accurate as of the last dividend declaration date. Rate may change after account opening. Fees may reduce earnings. $5 minimum to open and maintain a savings account. Bonus of $50, paid within five business days of account opening, will be deposited into the savings account. Bonus must stay in the account for 90 days. Offer applies to new memberships for ages 0 through 17 only. Maryland Uniform Transfers to Minors Act (MUTMA) and custodial accounts are not eligible for the bonus. New youth membership savings accounts must be opened via online secure form or in an APGFCU branch. We may report to the IRS the value of any cash received and any applicable taxes are the responsibility of the recipient. Membership eligibility applies. Other restrictions may apply. This offer is subject to change at any time at the credit union’s discretion and may not be combined with any other share savings offers.
CampusCards™ is a registered trademark of Business Focused Internet Systems, Inc.