Please be aware of fraudsters contacting members unexpectedly via a phone call, text or email pretending to be APGFCU fraud detection employees.
If you receive a suspicious unsolicited call, email or text appearing to be from APGFCU and requesting information:
Earn $250† When You Open a New High Yield or Member Protect Checking Account.
APGFCU offers high yield and member protect checking account options, both with competitive dividend rates.
View Checking Rates
Earn $250† when you open a new High Yield or Member Protect checking account.
Annual Percentage Yield
*See all High Yield Checking rates terms and disclosures.
Dividends are earned from day of deposit to day of withdrawal, compounded and credited monthly.*See all Member Protect Checking rates terms and disclosures.
Your wallet just got smarter. Add your APGFCU Visa debit card to your preferred app and get started today. Available on Apple Pay™, Google Pay™, and Samsung Pay™.
If you do not have Online Banking – you may place an order through Harland Clarke at www.harlandclarke.com. You will need the routing number and account number found on your re-order form or your checks.
If you have not ordered checks before, please contact Member Services at 800-225-2555.
The chip-enabled APGFCU Visa Debit Card makes shopping convenient and secure for in-store and online purchases, helping protect your card number and identity with an extra layer of security. You can also enjoy exclusive merchant discounts and special offers when you use your APGFCU Visa Debit Card.
APGFCU Visa cards are monitored for potential fraud. If the monitoring identifies activity that could be fraudulent, we will contact our members by phone or text. To receive text alerts, members must enroll. The following options are available for text enrollment.
Don't have Online and Mobile Banking?
Monitor and manage your credit and debit cards with APGFCU's mobile app.
To use APGFCU Card Manager, select "Cards" in the main menu of the APGFCU Mobile App. You will be directed to download our APGFCU Card Manager companion app. After downloading, you can select "Cards" in the APGFCU Mobile App at any time and it will launch the Card Manager app.
APGFCU cardholders have access to 43,000 free ATMs as part of the Allpoint network. Use your APGFCU debit or ATM card at select stores you use all the time.
Fees may be charged by the company that owns the ATM (called a surcharge). If there is a surcharge, the fee amount will be displayed on the ATM screen, and you have the option to cancel the transaction if you do not want to pay the fee. For additional information, on ATM activity, click here.
For more information about or help with Checking Accounts…
†Offer is for new and existing members age 13 and older without a checking account only. Account owner may not have closed a checking account with APGFCU at any time on or after November 1, 2022 to qualify for this promotion. New High Yield Checking and Member Protect Checking accounts opened on or after November 1, 2023 and on or before December 31, 2023 may qualify for a $250 cash bonus if the account meets the following qualifications within 90 days of opening: (1) opt out of paper statements from APGFCU and (2) within 90 days of opening the checking account (“Qualification Period”), receive into the checking account qualifying reoccurring direct deposits** of at least $500. Offer cannot be combined with any other offers and does not apply to second or multiple checking accounts. New Standard Checking accounts do not qualify for this promotion. If you meet all the terms of this offer, the bonus will be credited to your checking account on the first business day following the end of the 90-day qualification period. Limit one bonus per member. Fees may apply for early closure of the checking account. Offer may be extended, modified, or discontinued at any time without prior notice at the credit union’s discretion. Any applicable taxes are the responsibility of the recipient. The checking account must remain open for a minimum of 90 days and all accounts associated with the membership must be in good standing (see “All About Your Accounts” agreement) to receive the bonus. Offer expires December 31, 2023.
**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.
Annual Percentage Yields (APYs) are accurate as of the last dividend declaration date. Rates may change after account opening. Fees may reduce earnings on accounts. For High Yield Checking: If your account meets the criteria, you will earn 4.00% APY on balances up to $20,000 and 0.20% APY on balances of $20,000.01 and higher. Balances on accounts that fail to meet the account requirements for a given month will earn 0.05% APY. No monthly maintenance fees or penalties. To earn the higher rate, you must, (1) opt out of paper statements from APGFCU, and (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. For Member Protect Checking: Accounts with average daily balances of $0 - $10,000 will earn an APY of 0.05%, accounts with average daily balances of $10,000.01 - $20,000 will earn an APY of 0.15% and accounts with average daily balances of $20,000.01+ will earn an APY of 0.25%. The Member Protect Checking Account has a $6.00 monthly fee. This fee is waived if you, (1) opt out of paper statements from APGFCU, (2) have an ongoing qualifying direct deposit of at least $200 per month into your Member Protect Checking Account, and (3) 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. High Yield and Member Protect Checking Accounts are limited to one account each per member (per membership). No minimum balance requirements or minimum to open for checking accounts.