- Learning Hub
- Free Financial Education
- Security
- College Planning and Education Loans
- Benefit Programs
- Financial Resources for Educators
- Insurance
- Financial Wellness in the Community
- Articles & Resource Library
- Financial Calculators
- IRA - Individual Retirement Accounts
- Overdraft Protection Services
- How to Bank Remotely
- 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
- Dundalk Branch
- Perry Hall Branch
- Cockeysville Branch
Privacy Policy
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Member Rewards Program Details
APGFCU Member Rewards Program Details
Definition of Terms
- A “household” is all the members with the same address.
- Household deposits are the combined average daily balances of all savings accounts.
- Loan balances are the combined actual balances of all loans as of the close of business on the last calendar day of the month.
Eligibility
- Levels are determined on the last day of each month. Depending on your activity and household balances, your level CAN change from month to month. With a checking account, your current level will be printed on your monthly statement. Without a checking account, your current level will be printed on your quarterly statement. Any branch or call center representative can advise you of your current level.
- Only balances for accounts in good standing are calculated for the determination of a level.
- MyTimes Plus benefits, for those 65+, override those offered in a given level.
- Non-personal accounts, including trusts, estates, memorial, emergency fund, guardianships, representative payee, UTMA/UGMA, custodial, and business accounts are not eligible for Member Rewards.
Rebates & Discounts
- Benefits for your level are available to you on the first day of the calendar month following the month in which the benefit was earned.
- Discounted and free transactions at Out-of-Network ATMs do not include surcharges that may be assessed by the institution that owns the ATM.
- The Gold Level benefit of FREE checks is limited to the Basic style only. Substitution of check style is not permitted, and credit will not be issued in lieu of the Basic style. (one box per year)
Confidentiality of Information
- We are prohibited under federal and state law from disclosing any information on any account used in connection with calculating your household balances of which you are not an owner.