- Learning Hub
- Financial Education
- Security
- College Planning and Education Loans
- Benefit Programs
- Financial Resources for Educators
- Insurance
- Financial Wellness in the Community
- Articles & Resource Library
- Financial Calculators
- IRA - Individual Retirement Accounts
- Overdraft Protection Services
- How to Bank Remotely
- 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 Branch
- Riverside Branch
- Notary Services
IMPOSTER SCAM ALERT
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.
Juneteenth National Independence Day Closure
All APGFCU offices will be closed on Thursday, June 19, for the Juneteenth National Independence Day holiday observance.
Online/Mobile Banking, ABBY Telephone Teller and ATMs will be available during this time.
Regular hours will resume on Friday, June 20.
High Yield Checking
High Yield Checking
$300† could be yours when you open a new High Yield Checking account.
Receive the $300 bonus, when you:
- Open a new checking account by June 30, 2025
- Set up and maintain qualifying monthly recurring direct deposits** totaling at least $500 within 90 days of account opening
Perks and Benefits
Our High Yield Checking earns you up to a whopping 4.00% APY* on balances up to $20,000! This high-performing account goes beyond just great rates. It offers benefits designed to streamline your finances and help you reach your goals.
Competitive
Rates
Earn more on your balance with a high annual percentage yield (APY).*
No Monthly
Fees
Avoid unnecessary charges and maintain more of your balance.
Easy to
Open
Earn dividends quickly with a streamlined account opening process.
Federally
Insured
Have peace of mind knowing the NCUA insures your account.
Early Direct Deposit
Access your paycheck up to two days in advance. Click here to learn more.
Your Money Works Harder With High Yield Checking
Your money works harder with our high-rate checking account. Experience a powerful combination of high dividends, minimal fees, and convenient account management.
- Enjoy up to a competitive 4.00% APY* on balances up to $20,000 and 0.20% APY* on any balances above $20,000.01, provided the following criteria are met:
- Opt out of paper statements by updating statement preferences in Online Banking
- Have a direct deposit of at least $200 per month into your High Yield Checking account1
- Have 15 or more debit card purchases per month1
- No monthly maintenance fees
- Easy to open with no minimum balance requirements
High Yield Checking Rates
| Account Status | Minimum Balance | Dividend Rate | Annual Percentage Yield1 | Alert Me |
|---|---|---|---|---|
| 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. | ||||
|
|
||||
Open an Account in 3 Easy Steps
Apply
Click the green button or visit a branch to start your application.
Deposit Funds
Start Earning
Enjoy up to a 4.00% APY* on balances up to $20,000 when you meet the required criteria.1
High Yield Checking FAQs
- Does my account balance affect my dividend rate?
- What are the requirements to earn the highest rate?
There are a few simple requirements to qualify for the top-tier rate:
- Opt out of paper statements and choose e-statements instead.
- Have a qualifying, recurring monthly direct deposits1 totaling at least $200 per month into your High Yield Checking account.
- Make a minimum of 15 debit card purchases each month.1
- Is a high yield checking account the same as a high yield savings account?
While both offer impressive dividend rates, they serve different purposes. A high yield checking account is for everyday transactions, while a savings account is better for long-term growth.
- How easy is it to open a high yield checking account at a credit union?
- Are there any differences between checking accounts offered at banks and credit unions?
Credit unions usually often offer more competitive rates, and generally have lower checking and savings account fees. Plus, credit unions are owned by the members and not stockholders. At APGFCU, when you're a member, you can be assured your best interests guide every product we offer and every decision we make. To learn more about being an APGFCU member, click here.
More Ways to Save
Member Protect Checking
Protect your finances and identity with comprehensive features and competitive rates.
Certificates
Maximize your savings potential with secure and high-yield certificate options.
Savings & IRAs
Invest in your future with flexible savings solutions designed for success.
Need Help With a Checking Account? Get in Touch!
High Yield Checking Disclosure
†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 June 30, 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 monthly recurring direct deposits** of at least $500.
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 June 30, 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. High Yield 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.