- 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
IMPOSTER SCAM ALERT
Please be aware of fraudsters contacting members unexpectedly via a phone call, text or email pretending to be APGFCU fraud detection employees.
If you receive a suspicious unsolicited call, email or text appearing to be from APGFCU and requesting information:
- DO NOT provide any information
- STOP all communication with the suspected imposter
- CONTACT US immediately at our published numbers (410) 272-4000 or (800) 225-2555 to help resolve any additional security risks
Benefit Programs
APGFCU offers unique benefits for members at every stage of life. We take great pride in offering a little something extra for those who help support the communities we serve, for members who have a strong relationship with the credit union, and discounts for our seasoned members.
Member Rewards
Member Rewards is our way of doing business—rewarding members who actively participate in the APGFCU cooperative with premium rates, discounted fees, and more.
Every member living at your address with the same last name is eligible to receive the same benefits because all of those accounts are considered a “household.” Be sure to tell us if you share an address with other credit union members who have a different last name, so that we can combine them to give everyone the opportunity to be rewarded!
Your monthly statement will show you which level you’ve earned. Use this brochure to remind you of all the extra benefits you can receive for being an active member of APGFCU.
Compare APGFCU Member Rewards Levels
Basic Style Checks — Free
ATM Withdrawals (Out of Network) — Discounted
ATM Balance Inquiries (Out of Network) — Discounted
Safe Deposit Box Rental — Discount
Certificate Rate Bonus (48 Month Term & Up, Excluding Super)
Level Requirements with Checking — Combined Household Deposit & Loan Balance
Level Requirements without Checking — Combined Household Deposit & Loan Balance
Questions?
For complete program details, see the Member Rewards Program Details page or call our Member Service Center at (800) 225-2555, press 4.
Rates and rebates subject to change without notice.
MyTimes and MyTimes Plus
MyTimes is all about helping you live the life you want. This package includes products and services designed to save you money. Membership is free and you’re automatically enrolled if you’re 50 or over and you automatically convert to MyTimes Plus at age 65.
All members of MyTimes receive:
- Free ATM or Visa® Check Card
- Free ATM access to the APGFCU network of ATMs and the Allpoint® Network (our out-of-network fee still applies)
- Free incoming wire transfers
- Free notary service and Medallion Signature Guarantee ($250,000 bond limit)
- Exclusive MyTimes 36-month certificate
- No penalty for one certificate withdrawal per membership, per calendar year, after the first six days of opening the certificate1
- Free annual membership to AARP (see below)
Plus members 65 and over receive:
- Free basic style checks (1 box per year)
- Free out-of-network ATM withdrawals and balance inquiries2
- 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 so you can continue to grow 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 the way that's most convenient for you3
Request payment for your annual AARP membership
1If funds are withdrawn within the first six days of opening the certificate, the penalty will be at least seven days of simple interest paid on the amount withdrawn at the certificate's dividend rate. Additional withdrawals are subject to a penalty to be paid on the amount withdrawn.
2For ATMs outside of the Allpoint Network, a fee may be charged by the company that owns the ATM (called a surcharge). If there is a surcharge, the fee amount will be displayed on the ATM screen, and you have the option to cancel the transaction if you do not want to pay the fee.
3Certain account relationships may require e-statements in order to qualify for account benefits. See account disclosures to ensure your benefits will not be impacted by opting for paper statements.
Loans subject to credit approval. Membership eligibility and other restrictions may apply.
Emergency Assistance Program
As a community financial leader, it is our goal to establish a detailed plan of action to assist members who experience financial hardship due to:
- Government furlough
- FEMA declared disaster in the member’s local area
No one can ever fully prepare for a natural disaster or government furlough. APG Federal Credit Union understands the financial impact an unexpected event can have on individuals and families. Our representatives are here to assist you during difficult times.
For questions and to apply or initiate special services, please contact our Member Services Department at 800-225-2555.
Assistance Options1
- Loan options2
- Fee waivers for Skip-A-Pay3 requests on qualified loans
- Click here for 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 GreenPath Financial Wellness.
1Member may be requested to provide proof of residence in an impacted area and/or temporary loss of income.
2Subject to credit approval.
3Finance charges (interest) will continue to accrue on a daily basis during the month(s) the payment is skipped.
Here are a few tips to help with this unexpected financial setback:
- Prioritize expenses – list out expenses, determine minimum payments and due dates. While it’s never ideal to fall behind on bills, be sure you are covering the 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.
For more tips, visit GreenPath.