Can I access my accounts by phone?

Yes, our Member Service Center is here for you:

• Monday–Friday: 8 a.m. – 8 p.m.
• Saturday: 9 a.m. – 1 p.m.

Call us at 410-272-4000 or at 800-225-2555.

Prefer self-service? Meet ABBY, our automated telephone teller—available 24/7 for balances, transfers and more. To enroll, just call or visit any branch.

Will fees and service charges change?

Most fees will remain the same, though a few may change. For details, review the Consumer Service Price List.

Will rates on my certificates and IRAs change?

You’ll continue to earn the fixed interest rate on your certificate for the remainder of its term. When your certificate matures, it will renew at APGFCU’s current market rate. IRA rates have already been updated to reflect APGFCU’s IRA Money Market rate. For more information, click here.

You will receive a new IRA agreement and disclosure statement in March 2026. These documents amend your existing IRA paperwork to reflect the transition to APGFCU. Please complete the documents and return them according to the instructions.

Will my accounts continue to be insured?

Yes, your accounts will remain federally insured through the National Credit Union Administration (NCUA), just as they are today. The NCUA, backed by the U.S. government, insures deposits up to $250,000 under the National Credit Union Share Insurance Fund.

Will I continue to receive my deposit statements as usual?

Yes, your final MFMFCU statement will be generated on March 31, 2026. After that, you’ll begin receiving APGFCU statements:

• Checking accounts: Monthly statements
• Share savings accounts: Monthly if there are transfers; otherwise, at least quarterly

If you are enrolled in e-statements, you’ll need to sign up again through APGFCU Online Banking. For details, see the Terms and Conditions Disclosure.

How will I receive tax reporting for 2025 and beyond?

2025 Documents will be mailed by January 31, 2026. If you have an IRA, you will receive Form 5498 in April.

When will offices be open and what are your hours?

We are excited to welcome you to our convenient branch locations across Baltimore, Harford and Cecil counties. For a full list of APGFCU branches, visit apgfcu.com/Locations for hours, directions and services available at each branch.

FREQUENTLY ASKED QUESTIONS: ONLINE/MOBILE BANKING

Is any action required to keep using MFMFCU’s Online Banking?

Yes, you can continue using MFMFCU Online Banking and Bill Pay through March 31, 2026.

On April 1, you must enroll in APGFCU Online Banking by visiting www.apgfcu.com/OnlineBanking and clicking the green Enroll Now button. You may also download our mobile app by searching "APGFCU" in the App Store^® or Google Play™.

We will be contacting Bill Pay users with separate instructions. If you haven’t heard from us, please contact APGFCU at 410-272-4000 or at 800-225-2555.

Will I still be able to access my MFMFCU account history in APGFCU’s Online Banking?

Your MFMFCU transaction history prior to April 1 will be available on previous statements in APGFCU Online Banking. Need help retrieving a statement? Visit a branch or call our Member Service Center.

Will my account view be different in Online/Mobile Banking?

Yes, your Online/Mobile Banking view will change. You’ll now see all accounts where you’re listed as a primary or joint owner. Each account owner should create their own unique login ID and password.

FREQUENTLY ASKED QUESTIONS: TRANSFERS, DIRECT DEPOSITS AND BILL PAYMENTS

How will this transition affect direct deposits to my account?

Your current direct deposits will continue with no action required on your part. If you have payroll distributions, please confirm they’ve processed after conversion.

Will my bill pay transactions be impacted?

Yes, you may need to take a few quick steps. We reached out to members who were actively using bill pay, but if you have payments scheduled through MFMFCU, they will not process after March 30, 2026. Before the conversion date, write down your billers and account details so you can easily add them to APGFCU bill pay beginning April 1. Take a moment to review your upcoming payments and set up an alternate payment plan for anything that could be affected during the transition.

After March 31, can I still use my MFMFCU routing and account numbers to send a wire transfer?

No. After the conversion, MFMFCU routing and account numbers can no longer be used for wire transfers. All wire transfers must use APGFCU’s routing number (255075576) and your new APGFCU account number. For wire transfer instructions, click here.

FREQUENTLY ASKED QUESTIONS: ATM, DEBIT CARD AND CREDIT CARD

Can I still use my MFMFCU debit and ATM cards?

Yes, you can continue using your current MFMFCU debit and ATM cards through Tuesday evening, March 31, 2026. Your new APGFCU Visa^® debit card—with a new card number—will arrive by mail. Once you receive it, simply follow the activation instructions and start using your new card on Wednesday morning April 1, 2026.

If you have an MFMFCU ATM card, you will receive an APGFCU Visa debit card linked to your savings account. If you prefer to restrict your debit card to ATM-only access, we can assist you.

If you have pre-authorized payments tied to your MFMFCU card (like a gym membership), you’ll need to update those with your new APGFCU card number starting April 1.

Are there fees for ATM usage?

As an APGFCU member, you can use APGFCU and Allpoint Network ATMs for transactions and inquiries without a fee. Out-of-network ATMs may charge a fee set by the ATM owner. If there’s a fee, it will appear on the screen, and you’ll have the option to cancel the transaction. For details, see the Consumer Service Price List. Visit apgfcu.com/Locations to locate an ATM near you.

Will my overdraft transfer and protection change?

No, if you currently have Overdraft Transfers set up from your MFMFCU share account, that service will continue with your new APGFCU account. Please refer to the Consumer Service Price List for details.

APGFCU also offers Courtesy Pay as an additional overdraft protection option for eligible members. You can enroll or unenroll anytime—online or at a branch. Visit apgfcu.com/CourtesyPay.

Standard Courtesy Pay
We may cover checks, ACH transactions, automatic bill payments, and recurring debit transactions when your available balance isn’t enough—up to $500 (total aggregate limit). This benefit is automatic for eligible members with a checking account.

Extended Courtesy Pay
Eligible members can also opt in for Extended Courtesy Pay, which covers one-time or nonrecurring debit card transactions up to $500 (total aggregate limit) when funds aren’t available.

For more information about overdrafts and overdraft fees, click here.

Will my credit card number change?

You may continue using your MFMFCU credit card through the conversion, with no changes. We will be contacting you at a future date regarding the transition of your credit card and will provide all necessary details at that time.

• View/Print credit card Agreement & Disclosures for existing MFMFCU credit card holders.
• View/Print credit card Rates & Fee Schedule for existing MFMFCU credit card holders.

If I still have other questions, is there anyone I can talk to?

Certainly! Our representatives will be more than happy to assist you. Visit any APGFCU location or feel free to call our Member Service Center at 410-272-4000 or at 800-225-2555.

Member Service Center Hours

• Monday–Friday: 8 a.m. – 8 p.m.
• Saturday: 9 a.m. – 1 p.m.

Visit www.apgfcu.com/Location for branch locations and hours of operation.

You may also chat with us — click on the “Online Chat” button in the lower right of our webpage when available.