Join APGFCU
Join APGFCU
The Benefits of Banking with Us
APGFCU members enjoy a wide range of benefits that make everyday banking more rewarding.
Great Rates
Our competitive rates allow you to reach your financial goals faster.
Benefit Programs
Explore the unique benefits we have at every stage of life.
Personalized Service
Experience banking tailored to your individual needs and goals.
Federally Insured
The NCUA insures your account for up to $250,000.
Member Eligibility Requirements
We serve Harford County, Cecil County, Baltimore County and Baltimore City. Once you're an APGFCU member, you're always a member.
How to Qualify for APGFCU Membership
- You must live, work, worship, attend school, or volunteer in Harford County, Cecil County, Baltimore County, or Baltimore City.
- You are an immediate family member or household member of anyone meeting the above criterion.
- You'll need to open a Share Savings account and maintain a $5 deposit.
- Your Share Savings account establishes your membership and gives you access to all the products and services we offer.
How Your Family Members Qualify
Members of the immediate family or household of a credit union-eligible individual may join. Credit union-eligible individuals do not need to join the credit union; they can simply extend membership eligibility to the immediate family or household member.

Benefit Programs
APGFCU members get access to our rewards program that turns daily banking activity into tangible benefits. Enjoy advantages like higher certificate rates, ATM fee rebates, and much more!
Discount Programs
Unlock exclusive discounts with your APGFCU membership. Support local businesses and save money through the Buy Local program. Discover deals on a variety of goods and services offered by participating local merchants.
Joining APGFCU Is Easy
Review Eligibility
Scroll up to view the Member Eligibility Requirements section.
Apply
Click the link below or visit a branch to begin the application process.
Membership FAQs
- What do I need to apply for membership online?
To apply online, you will need your driver’s license, social security number, address, birth date, and you’ll be asked to answer security questions. Apply now.
- What information do I need to open an account?
In order to make this process quick and easy, please collect the following information for each person whose name will appear on the agreement. Before you begin, here's what you will need:
- Residential street address and telephone number
- Social Security number
- Driver's license or government-issued photo ID
- Birth date
- How can I open an account online?
If you are already a member, you can click here to open additional checking and savings accounts.
- How do I make an opening deposit for an account that I open online?
Instructions on making an initial deposit will be displayed during account opening. You can also make deposits by visiting the branch or through the mail.
- How long will it take to open an account when I apply online?
Once you have submitted an online membership application, please allow approximately 48 hours for completion of the process. You will be notified via email, phone, or post mail once we have finalized your application.
- How do I access my accounts on the go, and what features are available?
Manage your finances anytime with APGFCU's secure and convenient Online Banking and Mobile App. Our mobile app lets you check balances, transfer funds, pay bills, deposit checks, and more – all from your smartphone or tablet.
- What kind of benefits and rewards can I expect as an APGFCU member?
We're committed to providing our members value beyond competitive interest rates and great products and services. Our member rewards program gives you exclusive perks like higher Annual Percentage Yields (APYs) on certain accounts, and ATM fee rebates.
- Where can I join a credit union in Maryland?
At APGFCU, of course! We serve Harford County, Cecil County, Baltimore County and Baltimore City. Your credit union membership opens the door to competitive rates, local discounts, and personalized service.
To qualify for an APGFCU membership, you must:
- Live, work, worship, attend school or volunteer in Harford County, Cecil County, Baltimore County or Baltimore City.
- Be an immediate family member or household member of anyone meeting the above criterion.*
*Members of the immediate family or household of a credit union-eligible individual may join. Credit union-eligible individuals do not need to join the credit union; they can simply extend membership eligibility to the immediate family or household member.
Helpful Financial Tools and Resources
Financial Wellness in the Community
Let APGFCU help you take charge of your financial future. Access resources and expert guidance for every step of your journey.
Financial Calculators
Simplify your financial decisions and gain clarity with our suite of easy-to-use calculators. Get the answers you need to plan confidently.
Account Rates
Discover competitive rates on checking, savings, and certificate accounts to maximize your earnings.
Need Help With Joining APGFCU? Get in Touch!

We'll make joining APGFCU easy. Contact us via email or schedule an appointment to get started.

Welcome Aboard