APGFCU will never contact you unexpectedly by text, email, or phone to request personal or financial information. We also won’t send representatives to your home to collect debit or credit cards or cash.
If you get a message claiming to be from APGFCU that asks for this information, do not respond. Instead, call us at 800-225-2555 to verify.
To report a suspicious text or email, click here.
$300 Could Be Yours† With a New High Yield Checking Account.
At APGFCU, we believe that checking accounts should allow you to bank your way. If earning a great rate is your priority, our High Yield Checking offers up to a whopping 4.00% APY†† on balances up to $20,000.
Our Member Protect Checking is ideal for those who want robust identity theft protection and cash back rewards. Explore our checking account options below and find the one right for you.
Account Highlights
Account Highlights
Annual Percentage Yield
0.25%*
For balances $20,000.01 and above.
Dividends are earned from day of deposit to day of withdrawal, compounded and credited monthly.
*See all Member Protect Checking rates terms and disclosures.
With APGFCU, you get more than just a place to deposit your paycheck. We designed our checking accounts to protect your financial well-being and reward your everyday spending. Whether you prioritize high dividends or maximum security, we have an account that fits your needs.
Watch your savings grow with impressive returns with High Yield Checking.
Turn everyday spending into extra cash in your pocket with Member Protect Checking.
Proactively secure your identity with comprehensive protection services with Member Protect Checking.
Enjoy the ease of tap-and-go payments with your phone.
Stay ahead of potential fraud with real-time monitoring and alerts.
Manage your cards effortlessly with a few taps in the app with Card Manager and CardSwap.
Yes! Add your APGFCU Visa® debit card to Apple Pay™, Google Pay™, or Samsung Pay™ for fast, secure, and convenient payments.
Reordering is quick and easy! Log into Online/Mobile Banking and go to Services > Check Reorder.
If you do not have Online Banking, you can order through Harland Clarke at www.harlandclarke.com. You will need the routing and account numbers on your re-order form or checks.
If you have not ordered checks before or are a MyTimes+ or Gold member, contact Member Services at 800-225-2555 or visit a branch to order checks.
Enjoy convenience, security, and exclusive discounts! Your chip-enabled card protects your information and you can access special offers when you shop.
APGFCU has a free service to help monitor the activity on your cards and avoid any unauthorized transactions. To learn more about card fraud text alerts, click here.
Please note that all APGFCU Visa cardholders who have a mobile number in our system will be automatically enrolled in fraud text alerts. You will have the option to opt out.
APGFCU members have access to over 55,000 Allpoint network ATMs. Look for the Allpoint logo to avoid surcharges.
Absolutely! Whether exploring the Chesapeake Bay, visiting Baltimore's Inner Harbor, relaxing in Harford or Cecil County or even outside of Maryland, APGFCU's online and mobile banking puts convenient account access in your pocket. Monitor your checking and savings account balances, transfer funds, deposit checks with your mobile device, and even set up alerts — with just a few taps with our Mobile App.
There are several convenient ways! Apply online, visit a local APGFCU branch or contact us for personalized guidance.
High Yield Checking prioritizes earning a high annual percentage yield (APY) on your balances. Member Protect Checking focuses on robust identity theft protection and rewards. Just choose the account that best fits your needs!
Lock in impressive rates and watch your savings multiply with a certificate. Find the perfect term to meet your financial goals.
Simplify your financial decisions with our powerful calculators. Get clear answers to your saving, borrowing, and investing questions.
Maximize your earnings with highly competitive account rates. Explore options for checking, savings, certificates, and more.
†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 May 1, 2024, to qualify for this promotion. New High Yield Checking, Member Protect Checking, and Standard Checking accounts opened on or after May 1, 2025, and on or before August 31, 2025, may qualify for a $300 cash bonus if the account meets the following qualification: within 90 days of opening the checking account (“Qualification Period”), receive into the checking account qualifying recurring direct deposits** of at least $500 per month, and maintain such qualifying recurring direct deposits** throughout the Qualification Period.
Offer cannot be combined with any other offers and does not apply to second or multiple checking accounts. 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 August 31, 2025.
††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, (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 checking accounts.
**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.
1Identity Theft Protection policy limitations and disclosures provided to you upon account opening. Credit monitoring, reports, and scores require activation and are applicable to individuals aged 18 and older who have a valid credit file. Credit monitoring, reports, and scores are provided by TransUnion® and are subject to change. Activation and identity authentication are required the first time you obtain your report and score, to set up monitoring, and to access your annual Tri-Bureau Credit report and score. The credit score provided may not be consistent with the credit score model used by a lender, and therefore cannot be relied upon to determine creditworthiness for any particular loan opportunity.
2Reimbursement Insurance is underwritten by Lyndon Southern Insurance, a member of the Fortegra family of companies. The information provided is a program summary. Please refer to the Identity Theft Expense Reimbursement Evidence of Coverage forms for additional information including details of benefits, specific exclusions, terms, conditions, and limitations of coverage. Coverage is currently not available to residents of the state of New York and may not be available in other U.S. territories or jurisdictions in the future.
3Monitoring services require activation. Membership eligibility applies.
4To qualify, debit card transactions must process, post and clear within the calendar month. Minimum debit card 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.
5Annual Percentage Yield (APY) accurate as of the last dividend declaration date. No minimum balance to open an account. Fees may reduce earnings on the account. Member Protect Checking is limited to one per member (per membership). The monthly 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. A 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.