- Locations
- Aberdeen Branch
- APG Branch
- Bel Air — Amyclae Branch
- Bel Air — Home Loan Center, Main St. (No ATM)
- Bel Air — Laurel Bush Branch
- Bel Air — Main St. Branch
- Cecil College Branch
- Chesapeake City Branch
- Edgewood Branch
- Elkton Branch
- Fallston Branch
- Forest Hill Branch
- Havre de Grace Branch
- North East Branch
- Rising Sun — My Loan Center
- Riverside Branch
Account Rates
Certificate Rates
*The promotional Annual Percentage Yields (APYs) listed are effective as of 05/06/19 and are subject to change at any time, without notice. These certificates have a minimum deposit of $100 per certificate. Fees may reduce earnings on the account. Penalty for early withdrawal. Other terms are available. Other restrictions may apply. Membership eligibility applies.
| Term | Dividend Rate | Annual Percentage Yield | Alert Me |
|---|---|---|---|
| Standard and IRA: $100 Minimum | Alert Me | ||
| 6 months | 1.29% | 1.30% | |
| 12 months | 2.08% | 2.10% | |
| 18 months | 2.72% | 2.75% | |
| 24 months | 2.96% | 3.00% | |
| 30 months | 2.37% | 2.40% | |
| 48 months | 2.47% | 2.50% | |
| 60 months | 2.52% | 2.55% | |
| 84 months | 2.62% | 2.65% | |
| Super: $25,000 Minimum1 | Alert Me | ||
| 24 months | 2.47% | 2.50% | |
| 30 months | 2.62% | 2.65% | |
| 48 months | 2.72% | 2.75% | |
| 60 months | 2.77% | 2.80% | |
| 84 months | 2.86% | 2.90% | |
| Step-Up: $100 Minimum | Alert Me | ||
| 25 month Step-Up | 2.18% | 2.20% | |
| 45 month Step-Up | 2.42% | 2.45% | |
| Jumbo: $50,000 Minimum | Alert Me | ||
| 3 months | 0.99% | 1.00% | |
| 6 months | 1.49% | 1.50% | |
| 12 months | 2.37% | 2.40% | |
| MyTimes (members 50 and over): $100 Minimum | Alert Me | ||
| 36 Months | 2.62% | 2.65% | |
| MyTimes Plus (members 65 and over): $100 Minimum | Alert Me | ||
| 12 Months | 2.28% | 2.30% | |
| Member Rewards Silver: $100 Minimum | Alert Me | ||
| 48 months | 2.60% | 2.63% | |
| 60 months | 2.65% | 2.68% | |
| 84 months | 2.75% | 2.78% | |
| Member Rewards Gold: $100 Minimum | Alert Me | ||
| 48 months | 2.72% | 2.75% | |
| 60 months | 2.77% | 2.80% | |
| 84 months | 2.87% | 2.90% | |
| May be a penalty for early withdrawal on all certificates. | |||
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Checking Account Rates
| Minimum Balance | Dividend Rate | Annual Percentage Yield | Alert Me |
|---|---|---|---|
| $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
deposit1 of at least $200 per month into your Member Protect Checking account, and complete a minimum of 20 qualifying Point-Of-Sale (POS) purchase transactions2 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). Checking rates are effective as of the 1st of the current month. APYs are accurate as of the last dividend declaration date. No minimums 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.
1A qualifying Direct Deposit is an 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. 2To 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. |
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| Account Status | Minimum Balance | Dividend Rate | Annual Percentage Yield | Alert Me |
|---|---|---|---|---|
| Meet Criteria | $0 - $10,000 | 2.47% | 2.50% | |
| Meet Criteria | $10,000.01 and above | 0.15% | 0.15% | |
| Do Not Meet Criteria | No minimum balance | 0.05% | 0.05% | |
| High Yield Checking is limited to one per member (per membership). To earn the higher rate, you must opt out of paper statements from APGFCU, have an ongoing qualifying direct deposit of at least $200 per month into your High Yield Checking account1, and 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 Account2. Dividends are earned from day of deposit to day of withdrawal, compounded and credited monthly. Federal regulations prohibit dividends in excess of available earnings. Checking rates are effective as of the 1st of the current month. Fees may reduce earnings on account. DIVIDEND RATES MAY CHANGE AFTER ACCOUNT IS OPENED. 1A qualifying Direct Deposit is an 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. 2Minimum 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. |
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| Minimum Balance | Dividend Rate | Annual Percentage Yield | Alert Me |
|---|---|---|---|
| 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. Checking rates are effective as of the 1st of the current month. DIVIDEND RATES MAY CHANGE AFTER ACCOUNT IS OPENED. | |||
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Savings Account Rates
| Minimum Balance | Dividend Rate | Annual Percentage Yield | Alert Me |
|---|---|---|---|
| $5 | 0.35% | 0.35% | |
| 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. Regular Share rates are effective as of the 1st of the current month. Fees may reduce earnings on the account. DIVIDEND RATES MAY CHANGE AFTER ACCOUNT IS OPENED. | |||
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| Minimum Balance | Dividend Rate1 | Annual Percentage Yield | Alert Me |
|---|---|---|---|
| $0 to $10,000.00 | 1.34% | 1.35% | |
| $10,000.01 and above | 0.35% | 0.35% | |
| 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. Educator Rewards Summer Savings Account rates are effective as of the 1st of the current month. Fees may reduce earnings on the account. | |||
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Money Market Account Rates
| Money Market Account Types | Minimum Balance | Dividend Rate1 | Annual Percentage Yield | Alert Me |
|---|---|---|---|---|
| Tiered Money Market2 | Alert Me | |||
| $2,500 to $14,999.99 | 0.45% | 0.45% | ||
| $15,000 to $24,999.99 | 0.45% | 0.45% | ||
| $25,000 to $49,999.99 | 0.50% | 0.50% | ||
| $50,000 to $99,999.99 | 0.50% | 0.50% | ||
| $100,000 and above | 0.50% | 0.50% | ||
| Tiered Money Market IRA3 | Alert Me | |||
| $100 to $14,999.99 | 0.45% | 0.45% | ||
| $15,000 to $24,999.99 | 0.45% | 0.45% | ||
| $25,000 to $49,999.99 | 0.50% | 0.50% | ||
| $50,000 to $99,999.99 | 0.50% | 0.50% | ||
| $100,000 and above | 0.50% | 0.50% | ||
| High Yield Money Market Account4 | Alert Me | |||
| Up to $74,999 | 0.00% | 0.00% | ||
| $75,000 - $124,999 | 0.75% | 0.75% | ||
| $125,000 - $199,999 | 1.00% | 1.00% | ||
| $200,000 and up | 1.24% | 1.25% | ||
| Fees may reduce earnings on the account. | ||||
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