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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 makes it easier to turn your dreams into reality. We have loans for everything from homes to cars to you name it! It’s easy to apply and we’ll work with you to find the best rate available.
Now accepting applications.
When you do business banking with us, you can be sure we’re banking on U.
Use your computer, laptop, mobile device, or phone to stay connected to your APGFCU accounts 24 hours a day, 7 days a week!
Teachers and school staff are vitally important to the communities we serve. So we make it a priority to support them. Our exclusive U Educate Member Rewards Program* can help educators save money through specialized products, discounts, preferred rates and reduced fees.
New members who qualify for APGFCU's U Educate Member Rewards Program2 receive a $200 new member enrollment bonus plus additional benefits such as:
An APGFCU Summer Savings Account pays you a 2.00% Annual Percentage Yield (APY) on the first $10,000 and 0.15% APY on balances of $10,000 or higher. 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.
Receive an exclusive 0.25% rate bonus on our 48, 60 and 84-month standard certificates.
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.
Need wheels? APGFCU saves you money by giving you a 0.50% discount off our regular auto loan rates for a new or used vehicle.
Working on continuing education credits or a new field of study? Choose APGFCU to help finance your classes with a 0.50% discount off our regular education loan rates.
APGFCU can help you stretch your budget by allowing you to defer one auto loan payment per calendar year. 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.
Whether you’re a first-time homebuyer, a seasoned buyer, or looking to refinance, take advantage of our $500 first mortgage loan rebate on top of our already low rates when you choose APGFCU to finance your home.
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 U Educate Member Rewards Program.
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 out-of-pocket supplies expense, APGFCU offers the Educator Rewards Visa Card. 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.
*Subject to eligibility and program terms and conditions, as may be applicable. The benefits identified herein are part of the U Educate Member Rewards Program.1Offer is for new members only. Memberships established under the U Educate Member Rewards Program may qualify for a $200 cash bonus if the following qualifications are met: (1) sign up for Online Banking, (2) opt out of paper statements from APGFCU (3) open a new APGFCU savings account plus a new personal checking account during the promotional period and (4) within 90 days of opening the checking account (“Qualification Period”), receive into the checking account a qualifying reoccurring direct deposit totaling at least $200. Offer cannot be combined with any other offers and does not apply to second or multiple checking accounts. If you meet all the terms of this offer, the bonus will be credited to your checking account on the 1st business day following the end of the 90-day Qualification Period. Limit one bonus per member. Fees may apply for early closure of checking account. Offer may be extended, modified or discontinued at any time without prior notice at the credit union’s discretion. Any applicable taxes are the responsibility of the recipient. Custodial and other fiduciary accounts are not eligible for this offer. Checking account must remain open for a minimum of 90 days and all accounts associated with the membership must be in good standing (see “All About Your Accounts” agreement) to receive the bonus. Annual Percentage Yields (APYs) are accurate as of last dividend declaration date. Rates may change after account opening. Fees may reduce earnings on accounts. APY for a share savings account is 0.15% APY and the account has a $5.00 minimum balance. For High Yield Checking: If your account meets the criteria, you will earn 2.00% APY on balances up to $10,000 and 0.15% APY on balances of $10,000.01 and higher. Balances on accounts that fail to meet the account requirements for a given month will earn 0.05% APY. No monthly maintenance fees or penalties. To earn the higher rate, you must, (1) opt out of paper statements from APGFCU, and (2) have an ongoing qualifying direct deposit of at least $200 per month into your High Yield Checking account, and (3) complete a minimum of 15 qualifying Point-Of-Sale (POS) purchase transactions per month using an APGFCU Visa® Debit Card linked to the High Yield Checking Account. For Member Protect Checking: Accounts with average daily balances of $0 - $10,000 will earn an APY of 0.05%, accounts with average daily balances of $10,000.01 - $20,000 will earn an APY of 0.15%, and accounts with average daily balances of $20,000.01+ will earn an APY of 0.25%. The Member Protect Checking Account has a $6.00 monthly fee. This fee is waived if you, (1) opt out of paper statements from APGFCU, and (2) have an ongoing qualifying direct deposit of at least $200 per month into your Member Protect Checking Account, and (3) complete a minimum of 20 qualifying Point-Of-Sale (POS) purchase transactions per month using an APGFCU Visa Debit Card linked to the Member Protect Checking Account. No minimum balance requirements or minimum to open for checking accounts. Minimum balance to open a savings account and receive the bonus is $5. High Yield and Member Protect Checking Accounts are limited to one account each per member (per membership).Qualifying Direct Deposit is an electronic credit of your salary, pension, Social Security or other regular monthly income deposited to your account by your employer, a government agency, or a third party for whom you perform work on a regular basis. Transactions that do not qualify as a Direct Deposit include, but are not limited to, transfers from one account to another, deposits from an internet payment service and deposits made at an ATM.2This program is open only to APGFCU members employed and paid by early childhood, primary and secondary schools and colleges.3Annual Percentage Yield (APY) as of 4/01/2020 for the U Educate Summer Savings Account is 2.00% APY for balances $0.01 to $10,000 and 0.15% APY for balances $10,000.01 and higher. 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 qualifying direct deposit. U Educate Summer Savings Account is limited to one per member (per membership).4Receive the Gold Member Rewards certificate rates as listed on APGFCU’s weekly rate sheet 0.25% above the standard certificate rates on terms 48 months, 60 months and 84 months.5No fees charged by APGFCU. You may incur fees from the ATM provider.6Auto loan discount of 0.50% off available rates for purchases and external (Non-APGFCU) refinances of new and used vehicles. Education loan discount of 0.50% off available rates. Subject to credit approval and eligibility requirements.7Electing to participate in the Skip-a-Pay Auto Loan 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.8The $500 cash back bonus applies to first mortgage purchase loans (with property address) and first mortgage refinance loans only. Home equity loans and lines of credit, lot loans and bridge loans are not eligible. The property must be located in DE, FL, MD, NJ, PA, or VA. Private Mortgage Insurance (PMI) may be required. If you meet all the terms of this offer, the $500 cash back bonus will be credited to your Share Account within 15 business days of the mortgage loan disbursement date. Limit one bonus per member. Offer may be extended, modified or discontinued at any time without prior notice at the credit union’s discretion. Any applicable taxes are the responsibility of the recipient. APGFCU NMLS ID # 480340.9Teachers, 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. 10The APGFCU U Educate 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 U Educate Member Rewards Program or enrolls in the APGFCU U Educate Member 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.11Subject to credit approval.