- 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
Important Notice
Furlough Assistance Program available to members impacted by government shutdown. Learn More.
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Competitive rates. Convenient terms.
Certificates
APGFCU is here to help you save for the near future or the distant future. Choose a certificate term to help you build your dreams!
Savings Certificates
Make your money work harder for you. If you don't need immediate access to your savings, and are looking for a safe and secure way to grow your money over time, lock in our top rates with a Savings Certificate or Jumbo Savings Certificate share account.
Savings Certificates
Lock in our top rates for as little as 6 months. The longer the term, the higher the rate.
- Regular and IRA certificates available
- Terms from 6 months up to 84 months
- Competitive, fixed rates, based on the term of the certificate
- Dividends accrue on a quarterly basis and are reinvested in the account
- Step Up certificates allow a one time “step up” to a higher rate
Special Offers
- With a Super Certificate, higher balances and terms are rewarded with even higher rates
- With Member Rewards, Gold and Silver level members are eligible for higher rates with terms of 48 months and longer*
- Special rates for members over 50
*Does not include Super Certificates.
Product Features
- Minimum deposit $100 ($25,000 for Super Certificate)
- A variety of terms, starting at 6 months (24 months for Super Certificate)
Jumbo Savings Certificate
With a minimum deposit of at least $50,000, you'll lock in our high rates.
Product Features
- Minimum deposit of $50,000
- Fixed terms of 3, 6, and 12 months
For more information on any of these products: Call us at 800-225-2555 or come into one of our 14 convenient branch locations.
Special Rate Certificates for Members Over 50
You've worked long and hard to build your savings. Now, you can earn more with our higher rate certificates, exclusively for MyTimes and MyTimes Plus members who are over 50. They’re a safe and secure way to grow your savings.
MyTimes 36-month Certificate:
- Fixed 36-month term
- Preferred, fixed rate
MyTimes Plus 12-Month Certificate
- Earn a higher rate than the standard 12-month Savings Certificate
- Preferred, fixed rate
MyTimes Plus Required Minimum Distribution (RMD) Certificate
- If you have to withdraw funds from your APGFCU IRA Certificate, just deposit the funds in the new RMD Certificate and get the same rate and maturity date as your original IRA Certificate.
MyTimes Plus Required Minimum Distribution (RMD) Certificate
- If you have to withdraw funds from your APGFCU IRA Certificate, just deposit the funds in the new RMD Certificate and get the same rate and maturity date as your original IRA Certificate.
Step Up Savings Certificate
An APGFCU Step Up Savings Certificate is the best way to keep your money money secure and still earn the most when rates increase. Simply choose a term of 25 or 45 months and during that term, you'll have an opportunity to "step up" to a higher rate if the current rates are more appealing. The term will remain the same and your new rate will be in effect from the date of the change until the end of the term.
Product Features
- Minimum deposit $100
- Choose from two terms, 25 or 45 months
- No additional deposits permitted