Account Rates - APG Federal Credit Union

Certificate Rates

*The five-month promotional Annual Percentage Yield (APY) listed is effective as of 05/05/2025. Rate and promotion are subject to change at any time, without notice. Fees may reduce earnings. Minimum deposit of $100. Five-month certificate will automatically renew to a six-month term upon maturity unless action is taken. Penalty for early withdrawal. Other restrictions may apply.

To open this certificate special, click here, call 800-225-2555 or request a branch appointment.

Table data for Certificates & IRAs
Effective 07-09-2025

Term Dividend Rate Annual Percentage Yield Alert Me

Standard and IRA: $100 Minimum Alert Me

6 months 3.45% 3.50%

12 months 3.74% 3.80%

18 months 3.74% 3.80%

24 months 3.21% 3.25%

30 months 3.25% 3.30%

48 months 3.25% 3.30%

60 months 3.50% 3.55%

84 months 3.50% 3.55%

Super: $25,000 Minimum¹ Alert Me

24 months 3.45% 3.50%

30 months 3.50% 3.55%

48 months 3.50% 3.55%

60 months 3.74% 3.80%

84 months 3.74% 3.80%

Step-Up: $100 Minimum Alert Me

25 month Step-Up 3.16% 3.20%

45 month Step-Up 3.21% 3.25%

Jumbo: $50,000 Minimum Alert Me

3 months 2.82% 2.85%

6 months 3.55% 3.60%

12 months 3.89% 3.95%

MyTimes (members 50 and over): $100 Minimum Alert Me

36 Months 3.50% 3.55%

MyTimes Plus (members 65 and over): $100 Minimum Alert Me

12 Months 3.84% 3.90%

Member Rewards Silver: $100 Minimum Alert Me

48 months 3.38% 3.43%

60 months 3.63% 3.68%

84 months 3.63% 3.68%

Member Rewards Gold: $100 Minimum Alert Me

48 months 3.50% 3.55%

60 months 3.74% 3.80%

84 months 3.74% 3.80%

There may be a penalty for early withdrawal on all certificates. Fees may reduce earnings.

APY is accurate as of 07-09-2025.

¹Coverdell IRAs are not eligible for the $25,000 minimum balance tier.↵

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Savings Certificate Calculator

Table data for Certificates & IRAs
Effective 07-09-2025
Term	Dividend Rate	Annual Percentage Yield	Alert Me
Standard and IRA: $100 Minimum			Alert Me
6 months	3.45%	3.50%

12 months	3.74%	3.80%

18 months	3.74%	3.80%

24 months	3.21%	3.25%

30 months	3.25%	3.30%

48 months	3.25%	3.30%

60 months	3.50%	3.55%

84 months	3.50%	3.55%

Super: $25,000 Minimum¹			Alert Me
24 months	3.45%	3.50%

30 months	3.50%	3.55%

48 months	3.50%	3.55%

60 months	3.74%	3.80%

84 months	3.74%	3.80%

Step-Up: $100 Minimum			Alert Me
25 month Step-Up	3.16%	3.20%

45 month Step-Up	3.21%	3.25%

Jumbo: $50,000 Minimum			Alert Me
3 months	2.82%	2.85%

6 months	3.55%	3.60%

12 months	3.89%	3.95%

MyTimes (members 50 and over): $100 Minimum			Alert Me
36 Months	3.50%	3.55%

MyTimes Plus (members 65 and over): $100 Minimum			Alert Me
12 Months	3.84%	3.90%

Member Rewards Silver: $100 Minimum			Alert Me
48 months	3.38%	3.43%

60 months	3.63%	3.68%

84 months	3.63%	3.68%

Member Rewards Gold: $100 Minimum			Alert Me
48 months	3.50%	3.55%

60 months	3.74%	3.80%

84 months	3.74%	3.80%

There may be a penalty for early withdrawal on all certificates. Fees may reduce earnings. APY is accurate as of 07-09-2025.
¹Coverdell IRAs are not eligible for the $25,000 minimum balance tier.↵

Table data for Certificate Special
Term	Minimum Balance	Dividend Rate	Annual Percentage Yield*
5 - Month Certificate Special	$100	4.03%	4.10%

*The five-month promotional Annual Percentage Yield (APY) listed is effective as of 05/05/2025. Rate and promotion are subject to change at any time, without notice. Fees may reduce earnings. Minimum deposit of $100. Five-month certificate will automatically renew to a six-month term upon maturity unless action is taken. Penalty for early withdrawal. Other restrictions may apply.

Checking Account Rates

Table data for High Yield Checking
Effective 07-09-2025
Account Status	Minimum Balance	Dividend Rate	Annual Percentage Yield¹
Meet Criteria	$0 - $20,000	3.93%	4.00%

Meet Criteria	$20,000.01 and above	0.20%	0.20%

Do Not Meet Criteria	No minimum balance	0.05%	0.05%

¹Annual Percentage Yields (APYs) are accurate as of the last dividend declaration date. Rates may change after account opening. Fees may reduce earnings on accounts. No monthly maintenance fees or penalties. To earn the higher rate, you must: (1) opt out of paper statements from APGFCU, (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. A qualifying direct deposit is a recurring electronic credit of your salary, pension, Social Security, or other regular monthly income deposited to your account by your employer or an outside agency. Transactions that do not qualify as a direct deposit include, but are not limited to, transfers from one account to another and deposits made at an ATM. Minimum purchase transaction is $1.00. Debit card transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Both PIN and signature POS transactions qualify. ATM transactions do not qualify. To qualify, debit card transactions must process, post, and clear within the calendar month. High Yield Checking Accounts are limited to one account each per member (per membership). No minimum balance requirements or minimum to open checking accounts.

Table data for Member Protect Checking
Effective 07-09-2025
Minimum Balance	Dividend Rate	Annual Percentage Yield*
$0 - $10,000	0.05%	0.05%

$10,000.01 - $20,000	0.15%	0.15%

$20,000.01 +	0.25%	0.25%

*The Member Protect Checking account has a $6.00 monthly fee. This fee is waived if you opt out of paper statements from APGFCU, have an ongoing qualifying direct deposit of at least $200 per month into your Member Protect Checking account, and 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. Member Protect Checking is limited to one per member (per membership). APY is accurate as of the last dividend declaration date. No minimum balance to open. Fees may reduce earnings on account. DIVIDEND RATES MAY CHANGE AFTER ACCOUNT IS OPENED. Dividends are earned from day of deposit to day of withdrawal, compounded and credited monthly. Federal regulations prohibit dividends in excess of available earnings. A qualifying Direct Deposit is a recurring electronic credit of your salary, pension, Social Security, or other regular monthly income deposited to your account by your employer or an outside agency. 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. *To qualify, debit card transactions must process, post, and clear within the calendar month. Minimum purchase transaction is $1.00. Debit card transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Both PIN and signature POS transactions qualify. ATM transactions do not qualify.

Table data for Standard Checking
Effective 07-09-2025
Minimum Balance	Dividend Rate	Annual Percentage Yield
No Minimum Balance	0.05%	0.05%

Dividends are earned from day of deposit to day of withdrawal, compounded and credited monthly. Federal regulations prohibit dividends in excess of available earnings. Fees may reduce earnings on account. APY is accurate as of the last dividend declaration date. DIVIDEND RATES MAY CHANGE AFTER ACCOUNT IS OPENED.

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Savings Account Rates

Table data for Regular Shares
Effective 07-09-2025

Minimum Balance Dividend Rate Annual Percentage Yield Alert Me

$5 0.25% 0.25%

The dividend rate and the annual percentage yield may change every month. Dividends will be compounded every quarter and credited to your account every quarter. Federal regulations prohibit dividends in excess of available earnings. Fees may reduce earnings on the account. APY is accurate as of the last dividend declaration date. DIVIDEND RATES MAY CHANGE AFTER ACCOUNT IS OPENED.

Table data for U Educate Summer Savings Account
Effective 07-09-2025

Minimum Balance Dividend Rate¹ Annual Percentage Yield Alert Me

$0 to $10,000.00 1.99% 2.00%

$10,000.01 and above 0.25% 0.25%

The dividend rate and the annual percentage yield may change every month. Dividends will be compounded every quarter and credited to your account every quarter. Federal regulations prohibit dividends in excess of available earnings. APY is accurate as of the last dividend declaration date. Fees may reduce earnings on the account.

¹Dividend rates may change after account is opened.↵

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Table data for Regular Shares
Effective 07-09-2025
Minimum Balance	Dividend Rate	Annual Percentage Yield
$5	0.25%	0.25%

The dividend rate and the annual percentage yield may change every month. Dividends will be compounded every quarter and credited to your account every quarter. Federal regulations prohibit dividends in excess of available earnings. Fees may reduce earnings on the account. APY is accurate as of the last dividend declaration date. DIVIDEND RATES MAY CHANGE AFTER ACCOUNT IS OPENED.

Table data for U Educate Summer Savings Account
Effective 07-09-2025
Minimum Balance	Dividend Rate¹	Annual Percentage Yield
$0 to $10,000.00	1.99%	2.00%

$10,000.01 and above	0.25%	0.25%

The dividend rate and the annual percentage yield may change every month. Dividends will be compounded every quarter and credited to your account every quarter. Federal regulations prohibit dividends in excess of available earnings. APY is accurate as of the last dividend declaration date. Fees may reduce earnings on the account.
¹Dividend rates may change after account is opened.↵

Money Market Account Rates

Table data for Money Market Accounts
Effective 07-09-2025

Money Market Account Types Minimum Balance Dividend Rate¹ Annual Percentage Yield Alert Me

Tiered Money Market² Alert Me

$0 to $2,499.99 (fee applies) 0.35% 0.35%

$2,500 to $14,999.99 0.35% 0.35%

$15,000 to $24,999.99 0.40% 0.40%

$25,000 to $49,999.99 0.50% 0.50%

$50,000 to $99,999.99 0.75% 0.75%

$100,000 and above 1.00% 1.00%

Tiered Money Market IRA³ Alert Me

$100 to $14,999.99 0.35% 0.35%

$15,000 to $24,999.99 0.40% 0.40%

$25,000 to $49,999.99 0.50% 0.50%

$50,000 to $99,999.99 0.75% 0.75%

$100,000 and above 1.00% 1.00%

High Yield Money Market Account⁴ Alert Me

Up to $74,999.99 0.00% 0.00%

$75,000 - $124,999.99 1.00% 1.00%

$125,000 - $199,999.99 1.25% 1.25%

$200,000 - $499,999.99 1.49% 1.50%

$500,000 - $749,999.99 1.99% 2.00%

$750,000 and up 2.23% 2.25%

Fees may reduce earnings on the account.

APY is accurate as of the last dividend declaration date.

¹Dividend rates may change after account is opened.↵

²Tiered Money Market: Minimum opening deposit of $2,500; $10 monthly fee if balance falls below $2,500.↵

³Tiered Money Market IRA: Minimum balance $100; subject to state and federal rules and penalties, as applicable.↵

⁴New money requirement - At least 50% of the opening deposit must come from funds not already on deposit with APGFCU↵

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