Welcome Members First of Maryland Federal Credit Union

We are thrilled to have you as part of the APG Federal Credit Union family!

On March 31, 2026, your account will be converted from the former Members First of Maryland Federal Credit Union to APGFCU. This transition will allow you to take full advantage of the wide range of products and services we offer to help you achieve your financial goals.

To make this process as smooth as possible, we’ve prepared the following important dates to remember and answers to frequently asked questions. We also prepared the information into a printable guide just for you.

If you need assistance at any point, help is only a phone call away. In addition, the friendly staff at our Dundalk and Perry Hall branches are ready to serve you and answer any questions you may have.

Thank you for trusting APGFCU with your financial needs. We look forward to helping you take advantage of all the benefits of membership and supporting you every step of the way.

Welcome to APGFCU – where members come first, and our mission is to deeply enrich our community – financially and personally.

QUICK LINKS:

IMPORTANT DATES TO REMEMBER

KEY DATES TO REMEMBER
Mark these dates on your calendar—your financial future is moving forward!

TUESDAY, MARCH 31, 2026
We’ll begin moving your accounts from Members First of Maryland Federal Credit Union (MFMFCU) to APG Federal Credit Union (APGFCU). The Dundalk and Perry Hall branches will close at 4 p.m.

WEDNESDAY, APRIL 1, 2026
Your accounts will officially be part of APGFCU! You can start banking at any of our locations and through APGFCU online and mobile banking. Branches open at 9 a.m., and our call center opens at 8 a.m.

Dundalk Branch Information

A new ATM will be installed at the Dundalk branch, and the location will begin offering extended service hours:

Monday–Friday: 9 a.m. – 5 p.m.
Every Saturday: 9 a.m. – 1 p.m.

Please be sure to update your contact information so you don’t miss important updates!
To do so, please visit or call the Dundalk or Perry Hall branch locations, and if you have a joint owner on your account, be sure to share this information with them.

FREQUENTLY ASKED QUESTIONS: CONVERSION

I’m not familiar with APGFCU. Can you tell me more about the credit union?

APGFCU stands for Aberdeen Proving Ground Federal Credit Union—Maryland’s fifth-largest credit union, proudly serving our members through 17 convenient branches. Founded in 1939 by workers at the U.S. Army proving ground in Aberdeen, Maryland, we’ve grown alongside our communities. Today, we’re here for anyone who lives, works, worships, attends school, or volunteers in Baltimore, Harford, or Cecil counties, as well as Baltimore City.

With more than 182,000 members, APGFCU is deeply committed to helping our neighbors thrive. Because for us, it’s not just about banking—it’s about moving forward together.

Learn more at www.apgfcu.com.

Does APGFCU offer the same share and loan products as MFMFCU?

We offer similar products, and your MFMFCU deposit account will be converted to the closest APGFCU equivalent. Loan products will remain the same unless you hear from us directly.

Will my member/account number change?

Yes, your current member/account number will be updated to a 10-digit member number by adding a leading 9 followed by zeros.

Example:
Current member/account number: 1234567
New APGFCU member number: 9001234567

Your share/loan suffix will also become a share/loan ID number. Please contact us if you require any assistance.

Do I use the same checks I have now?

Yes, you can keep using your MFMFCU checks. When it’s time to reorder, your new checks will feature APGFCU’s name. Need help? Just reach out to any APGFCU branch or call our Member Service Center—we’ll take care of it.

Where do I send my loan payments after the conversion?

Beginning Wednesday, April 1, 2026, you can make loan payments through:

APGFCU Online or Mobile Banking
APGFCU’s Loan Payment Portal
Any APGFCU branch location
By phone at 410-272-4000 or at 800-225-2555
By mail (please allow enough time for delivery before your due date):
- APGFCU
  P.O. Box 1176
  Aberdeen, MD 21001-6176

Credit card payments can be made at the branch, by calling the Member Service Center, or through the online portal you use today.

Important Notes About Your Loan

Your loan terms and conditions will stay the same unless we notify you otherwise.
Continue making payments on or before your scheduled due date, just as you do now.
If you have recurring loan payments, please confirm they’ve processed after conversion on March 31.
Checks should be made payable to APGFCU.
Loan payments will no longer be accepted through MFMFCU’s online loan payment service after conversion.

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.

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.