Earn more on your balances with High Yield Checking.
Limited-time mortgage offer.Subject to credit approval.
Use your computer, laptop, mobile device, or phone to stay connected to your APGFCU accounts 24 hours a day, 7 days a week!
We serve Harford County, Cecil County and certain areas of Middle River, Maryland. Once you're an APG Federal Credit Union member, you're always a member.
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 and providing special rewards for members with a strong relationship with the credit union and discounts for our seasoned members.
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 receives 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.
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 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 over 50 and you automatically convert to MyTimes plus at age 65.
* If funds are withdrawn within the first six days of opening the certificate, the penalty will be at least seven days of simple interest to be paid on the amount withdrawn. Additional withdrawals are subject to a penalty to be paid on the amount withdrawn.
APG Federal Credit Union understands the financial impact a furlough from a government job can have on an individual, a family or a small business. If you are experiencing a financial hardship due to the government shut down, we’re here to help you.
1Finance charges (interest) will continue to accrue on a daily basis during the month(s) the payment is skipped.2Certain restrictions apply. Subject to credit approval.3You will make no payments, plus the loan will not accrue interest until after the 90-day payment deferral period. If the loan is paid off at any time before the 91st day, there will be no interest charged and your total finance charge for the loan will be $0. Interest will begin to accrue at 4.99% APR beginning on the 91st day after loan settlement. Rate is current as of January 31, 2019 and is subject to change. Payment Example: For a $6,000 loan for a term of 36 months with a 4.99% APR, the monthly payment will be $179.80.4Loan amounts determined based on the amount of the most recent direct deposit made prior to the interruption of pay. Paystubs may be used in place of direct deposit.Membership eligibility applies
For information on our furlough assistance options, stop by any branch or call our Member Service Center at 410-272-4000 or 1-800-225-2555.
Here are a few tips to help with this unexpected financial setback:
For more tips, visit GreenPath.
No one can ever fully prepare for a natural disaster, and APG Federal Credit Union understands the financial impact a disaster can have on individuals and families.
To assist you during this time of disruption and rebuilding, we have prepared several disaster relief options for our members residing in FEMA-designated disaster areas.
To learn more about our specific disaster relief options and to apply or initiate special services, please contact our Member Services Department at 800-225-2555 extension 2393 or 410-612-2393.
Many of our current products and special promotions may also suit your needs:
Again, our thoughts and well-wishes are with you, and our representatives are here to assist you during this difficult time.
*Certain restrictions apply. Subject to credit approval. Finance charges (interest) will continue to accrue on a daily basis during the month(s) the payment is skipped. Federally insured by NCUA.
Educators are vitally important to the communities we serve. So we make it a priority to support you. Our exclusive Educator Rewards program helps you save money through specialized products, discounts, preferred rates and reduced fees.
Every school year, one lucky educator is also a sweepstakes winner. This year it could be you! All you have to do is enroll in the APGFCU Educator Rewards Program.
An APGFCU Summer Savings Account pays you a 1% higher annual percentage yield (APY) than our regular share savings rate.4 Your savings grow faster, helping you reduce the stress of summer expenses. You determine the frequency and amount to be deducted from your APGFCU checking account during the school year. That money will be automatically transferred to your Summer Savings Account, and you have access to your funds anytime you need them.View Savings Rates
Save time and money by not having to hunt for an ATM. Use any ATM that is most convenient for you – even those not in the APGFCU ATM network – and APGFCU won’t charge you a transaction fee.5
Need wheels? APGFCU saves you money by giving you a 0.75% discount off our regular auto loan rates6 for a new or used vehicle.
APGFCU can help you stretch your budget by allowing you to defer one auto loan payment per calendar year.7 Simply choose the month you want to skip. If your loans are paid through payroll deduction, the payment stays in your account, so it’s available when you need it.
We know that you, like many educators, often pay for classroom supplies out of your own pocket. To help reduce the strain on your personal budget and better organize your supplies expenses, APGFCU offers the Classroom Supply Visa® Card.8 You’ll get all the same great benefits of an APGFCU Visa® Platinum Card with a $1,000 credit limit, and a low variable rate, equal to the prime rate.
Membership eligibility applies.1 Educators, as determined by APGFCU in its sole discretion, include classroom teachers at all levels, as well as Guidance Counselors, Para Educators, Principals and Assistant Principals.2 Subject to eligibility and program terms and conditions, as may be applicable. The benefits identified herein are part of the Educator Rewards Program.3 The APGFCU Educator Rewards Sweepstakes (the “Sweepstakes”) is open to any APGFCU member in good standing who meets the following criteria: (1) is an Educator (2) is currently enrolled in the APGFCU Educator Rewards Program or enrolls in the APGFCU Educator Rewards Program during the Promotion Period, as defined herein; and (3) is a legal U.S. citizen, at least 18 years of age. In general, a member is considered in good standing if he/she is current on all outstanding obligations and has not caused a loss to the credit union. Officers, directors, volunteers and employees of APGFCU and members of their immediate families are not eligible to participate in the Sweepstakes. No purchase necessary to enter or win. A purchase will not increase your chances of winning. Void where prohibited or restricted by law. Sweepstakes subject to all applicable federal, state and local laws and regulations. By participating in the Sweepstakes, you agree to the terms and conditions of the Official Rules. For complete rules, please visit our website at apgfcu.com/EducatorRewards/Rules.4 Annual Percentage Yield (APY) for Summer Savings is 1.35% APY as of 08/29/18. Balances higher than $10,000 will earn an APY of 0.35% as of 08/29/18. Minimum balance to open a savings account is $5. Fees could reduce earnings on accounts. Rates may change after account opening. APY is accurate as of the last dividend declaration date. Requires an APGFCU checking account with direct deposit.5 No fees charged by APGFCU. You may incur fees from the ATM provider.6 APGFCU offers Educator Rewards members an auto loan discount of 0.75% off available rates for purchases of new and used vehicles, subject to eligibility and program terms and conditions. Direct deposit and automatic payment required.7 Electing to participate in the Skip-a-Pay program will extend the term of your loan. Finance charges will continue to accrue on your loan pursuant to the terms of your loan agreement. Following the skipped month, your payment will resume as usual. Skipping a payment may affect the amount of Gap Coverage claims. Subject to credit approval. Some restrictions apply, contact or visit a branch for terms and conditions.8 Subject to credit approval and eligibility requirements.