Members First Information Center

We are pleased to welcome Members First of Maryland Federal Credit Union to the APGFCU family, effective August 29, 2025. This acquisition will benefit the members of both credit unions, as well as the communities we serve.

• Members First members will have access to APGFCU’s full suite of products and services, competitive rates, robust financial education, and a broader branch and ATM network.
• APGFCU members will have access to two additional branch locations in Baltimore County: Perry Hall and Dundalk.
• Our communities will benefit as APGFCU continues to partner with organizations in our communities to help make them better places for everyone to live and work.

As we welcome the members of Members First of Maryland Federal Credit Union to APGFCU, we know there will be many questions. Please see the FAQs below and check back frequently, as further updates and information will be provided as they become available.

Frequently Asked Questions for Members First of Maryland FCU Members

What is APGFCU?

APGFCU stands for Aberdeen Proving Ground Federal Credit Union, Maryland’s fifth-largest credit union with 17 branches. APGFCU was founded in 1938 by workers at the U.S. Army proving ground in Aberdeen, Maryland. Over the years, it expanded and now serves those who live, work, worship, attend school, or volunteer in Baltimore, Harford or Cecil counties, or Baltimore City. In addition, APGFCU is now able to serve all members of Members First and those within its field of membership. APGFCU is more than 175,000 members strong and deeply committed to the communities it serves.

What is the transition timeline?

Effective Friday, August 29, 2025, Members First members are members of APGFCU. Over the coming months, we will work to ensure a seamless transition, including the conversion of Members First accounts into APGFCU’s systems, which is anticipated to occur in late 2025 or early 2026. We will provide advanced notice on what to expect.

Will my accounts continue to be insured?

Yes, your accounts will continue to be federally insured just as they are today through the National Credit Union Administration (NCUA).

Will the transition affect my membership eligibility?

No, all who qualify for membership in Members First will continue to qualify for membership in APGFCU.

Who should I contact for help with my Members First account(s)?

For service or questions regarding your Members First account(s), you should continue to visit or call the Dundalk or Perry Hall locations and use Members First’s online/mobile banking. Once the conversion of Members First accounts to APGFCU’s systems is complete (anticipated in late 2025 or early 2026), you will contact APGFCU and utilize APGFCU’s online/mobile banking.

Can I use APGFCU’s branches now?

For now, you will continue to use Members First branches for your banking needs. APGFCU’s 15 branches in Harford and Cecil counties will not have the ability to service Members First accounts until the system conversion takes place. The Dundalk and Perry Hall locations will have the ability to service both Members First and APGFCU accounts.

Can I use APGFCU’s ATMs now?

Yes, APGFCU’s ATMs are available for your use surcharge-free. Starting October 1, 2025, you will also have access to over 55,000 Allpoint network surcharge-free ATMs. (https://www.allpointnetwork.com/locator).

Will my account number change?

Your account number will remain the same for the time being. More information will be provided during the system conversion process in late 2025/early 2026.

Will the routing number change?

The routing number will remain the same for the time being. More information will be provided during the system conversion process in late 2025/early 2026.

Will my online/mobile banking change?

You will continue to use Members First online/mobile banking until the system conversion is complete in late 2025/early 2026. Once the conversion of systems occurs, you will then use APGFCU’s online/mobile banking platform and highly rated mobile app.

Will my debit card still work?

Yes, you should continue to use your Members First debit card for now. Eventually, it will be replaced with an APGFCU debit card.

What if I want to apply for a loan?

New loan requests should be submitted to APGFCU. You can conveniently apply online at apgfcu.com or by calling or visiting any branch.

What if I have additional questions?

We are here to help! Don’t hesitate to call us at 410-272-4000 or 800-225-2555. Or, click here to send us a message.

Thank you for visiting the Members First Information Center and for your patience and understanding as we work together to provide you with an enhanced banking experience.  Please visit this page often as we will continue to add important information here as the conversion process occurs.

And, welcome to APGFCU!  We’re excited to help you achieve, prosper and grow!