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.
Let’s face it. Banking and finances can be confusing and overwhelming sometimes. We can help. From workshops and seminars to personal guidance, APGFCU can help you navigate your financial choices. We’d love to talk with you!
Use your computer, laptop, mobile device, or phone to stay connected to your APGFCU accounts 24 hours a day, 7 days a week!
Learn how you can schedule payments, receive e-Bills, pay contacts through the Payment Center tab, and manage your spending and with easy-to-use tools through the Personal Finance Manger tab.
Enjoy the flexibility, ease of use, and security of APGFCU's mobile app on your iPhone, iPad, Android phone, or Android tablet. Go mobile with APGFCU!
Sign it. Snap it. Send it.
Mobile Deposit is a free, convenient and easy way to deposit a check via Android smartphone, iPhone or iPad by using the camera and our Mobile Banking app. Just log into your mobile app and select "Deposit Check" from the home screen to get started.
Have an account question? Send a message command to 39872 on your text-enabled mobile phone and we’ll respond with your account information.
See our FAQs below or call Member Service Center at (410) 272-4000.
You will need your member number and email address to sign up for Online Banking. If you need assistance, please stop in any branch or call us at 410-272-4000, M-F 8 a.m. – 8 p.m. or Sa 9 a.m. – 1 p.m. EST.
Online Banking is free to members.
Bill Pay is free for Online Banking members. You must have a checking account to use Bill Pay.
Once you have set up a Bill Pay account, go to Bill Pay and add your biller information. You can set up recurring payments or one time payments.
Yes, you can access account information 24/7 through ABBY, your Telephone Teller. To access ABBY, you will need your member number and your e-services PIN. If you do not have an e-services PIN or have forgotten it, please stop in any branch or call us at 410-272-4000, M-F 8 a.m. – 8 p.m. or Sa 9 a.m. – 1 p.m. EST.
Online Banking and Bill Pay will continue to be free. Please review your Online Banking Terms and Conditions for more details. Please note: Some new services have fees. We are passing along the costs that are billed to the credit union for the services.
Bill Pay — Overnight Checks - $14.95Bill Pay — Same Day Bill Pay - $9.95Account-to-Account Outgoing ACH Transfer — $1.00 per transferPopmoney (person-to-person) — $1.00 per transfer
You'll find more places to access your online statements on each Account Details page.
You need to adjust the Compatibility View Settings before logging in.
Yes. Download “Personal Financial Management” (pdf) for more details.
Yes. You will be required to create a password with:
If you were authorized for cross-account access in the prior system, you will continue to have the same access in the new system. Cross-account access allows a member to send funds to or receive funds from another member. There is one difference in how this feature functions in the new system. The person to whom you have granted cross-account access may be able to view your account balance. This was disclosed in the Cross Account Access Authorization Form that would have been signed when setting up the access. This is always the way cross-account transfers have worked in our ABBY Telephone Teller service. However, in the previous version of online banking, these balances were not visible. If you wish to change cross-account access, please call us or visit a branch.
If you lose your phone or get a new one, log in to your Online Banking account. Click on "Mobile" on top right and select the option "Stop using this device for mobile banking" for your lost or old phone. If you need help, please call us at 410-272-4000.
APGFCU's Mobile Banking is free, but standard data or messaging rates from your mobile provider may apply. Please check with your provider.
You can view all your accounts, make transfers and use Bill Pay. You cannot change a password, view Online Banking messages, or view joint accounts in Mobile Banking.
For assistance with Mobile Banking, call us at 410-272-4000, M-F 8 a.m. – 8 p.m. or Sa 9 a.m. – 1 p.m. EST.
Mobile Banking app is currently available in Apple and Android.
APGFCU offers adjustable-rate mortgages (ARMs) for those looking to pay lower interest for the first few years of their loan in various term lengths including 7/1, 5/1, 3/1, and 1/1.
Most APGFCU members enrolled in Online Banking with Mobile Banking are eligible.
See if you qualify:
Personal accounts only such as Savings, Money Market or Checking. We are not offering Mobile Deposits for commercial or custodial accounts.
Yes. Your access is through the Mobile Banking app. It uses similar encryption to Online Banking making your personal and financial information safe and secure.
No, Mobile Deposit is a free service.
Yes. We accept up to $2,500 in mobile deposits per day.
Safeguard your check for 90 days and then shred it.
After confirmation, up to $200 will be available. At most, your total funds will be available within 3 business days.
We will contact you via phone or secure email behind Online Banking if there is a problem with the check.
Sign your name as it appears on the check. Follow it with "For mobile deposit only".
You don’t need to enroll. Once you meet the eligibility criteria listed in question 2 above, the Deposits icon will automatically appear on your tool bar.