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.

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.