Benefit Programs
Member Rewards Details
APGFCU Member Rewards offers exclusive benefits in three tiers: Bronze, Silver, and Gold. Increasing your savings and loan balances unlocks valuable rewards, like free checks, waived ATM fees, and better dividend rates.
Open an account and maintain the minimum balance required to enroll in your chosen tier.
Features include:
Bronze: $5,000 minimum combined deposit and loan balance.
- Discounted ATM fees
Silver: $15,000 minimum combined deposit and loan balance.
- More ATM fee discounts
- 25% off safe deposit boxes
Gold: $40,000 minimum combined deposit and loan balance
- Free ATM transactions
- Free checks
- 50% off safe deposit boxes
Your monthly statement will show you which level you’ve earned. Use the chart below to explore all the extra benefits you can receive for being an active APGFCU member.
MyTimes Features
All members of MyTimes receive:
- Free ATM access to the APGFCU network of ATMs and the Allpoint® Network (our out-of-network fee still applies)1
- Free incoming wire transfers
- Exclusive MyTimes 36-month certificate
- No penalty for one certificate withdrawal per membership, per calendar year, after the first six days of opening the certificate2
- Free annual membership to AARP
MyTimes Plus Features
Plus members 65 and over receive:
- Free basic style checks (1 box per year)
- Free out-of-network ATM withdrawals and balance inquiries1
- Exclusive MyTimes Plus 12-Month Certificate
- Travel Loan available; Subject to credit approval
- Required Minimum Distribution (RMD) Certificate: Need to withdraw money from your Traditional APGFCU IRA? Reinvest the funds into an RMD Certificate to continue growing your savings. You’ll get the same rate and maturity date as the IRA.
- No paper statement fee. Receive free paper and online statements to review your account history.3
Assistance Options4
This program offers the following assistance:
- Loan options, including an Emergency Assistance Loan5
- Fee waivers for Skip-A-Pay6 requests on qualified loans. Click here for the Skip-A-Pay application.
- Modified or extended payments on loans, credit cards, or lines of credit
- Refunds of late fees and non-sufficient funds (NSF) fees upon request, where applicable
- Penalty-free certificate withdrawals
- Reduced rates on share secured loans
- Expedited credit decisions for line increases on APGFCU credit cards and new requests for personal loans and credit cards.
- Home equity loans, as well as home equity lines of credit and mortgage refinances
- Free, one-on-one financial counseling, debt management services, and financial education tools through our partnership with GreenPath Financial Wellness.
Additionally, members affected by federal job loss may consider the Federal Worker Emergency Loan Program, offered by the Maryland Department of Labor. This program provides interest-free loans to eligible Maryland residents impacted by mass layoffs, relocations, or unit closures.
Navigating Through a Financial Setback
Regain financial control with these simple yet effective recovery strategies to get back on track quickly.
Financial Tips
- Prioritize expenses – List expenses and determine minimum payments and due dates. Ensure you are covering basic living expenses like shelter, food, heat, and lights.
- Keep lines of communication open with creditors and utilities – Be proactive and let APGFCU or utility company know you are experiencing a hardship. Many will be willing to work with you to defer interest, waive late payments, and work out special payment plans.
- Find alternate ways to earn cash and cut expenses – Clean out the garage or attic and list items for sale. Cut unnecessary expenses like going out to eat or your daily cup of coffee.
- Explore APGFCU's Free Online Financial Education tools and resources – APGFCU has partnered with GreenPath™ Financial Wellness to provide you with all things financial. Check out GreenPath's LearningLab+, where you can find well-researched courses and tools to enable a better understanding of money for a healthy financial life.
Need Help with Joining APGFCU? Get in Touch!
We're here to help you explore your Member Rewards options. Contact us via email or schedule an appointment to get started.