- 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
System Maintenance 10/13
We will be performing scheduled system maintenance on Sunday, October 13 between 2 a.m. and 6 a.m. Online and Mobile Banking, ABBY Telephone Teller, ATMs and Online Account Opening may be temporarily unavailable during this time.
We apologize for any inconvenience.
SYSTEM MAINTENANCE: We will be performing scheduled system maintenance on Sunday, October 13 between 2 a.m. and 6 a.m. Online and Mobile Banking, ABBY Telephone Teller, ATMs and Online Account Opening may be temporarily unavailable during this time.
We apologize for any inconvenience.
Earn $300* When You Open a New Member Protect Checking Account.
Member Protect Checking
Earn $300*when you open a new Member Protect checking account.
Receive the $300 bonus, when you:
- Open a new checking account by December 31, 2024
- Set up and maintain qualifying, recurring monthly direct deposits** totaling at least $500 within 90 days of account opening
Protect your identity. Protect your credit.
Protect your devices.
Get Member Protect Checking
It’s hard to find a checking account quite like Member Protect Checking. It protects your personal information and credit. It pays competitive rates on your balance. It gives you cash back on debit card purchases and more.
Plus, you get everything for a low monthly maintenance fee. However, we’ll waive the fee1 if:
- You have direct deposit of $200 or more into your Member Protect Checking account
- You opt out of receiving paper statements
- You make 20 or more debit card point-of-sale purchases per month
Benefits of Member Protect Checking
Tiered dividend rates paid on balances1
Balance APY1
$0 - $10,000 0.05%
$10,000.01 - $20,000 0.15%
$20,000.01 + 0.25%
10¢ cash back on every debit card point-of-sale purchase2
Fully Managed Identity Theft Recovery3
Covers you and up to three generations of your family for financial and non-financial ID theft. A dedicated privacy advocate will manage your case until completion, with no time limit. With more than 30 types of identity fraud reported to the Federal Trade Commission, this service protects you against the many threats you may never have considered.
Identity Theft Expense Reimbursement Insurance - up to $25,0004
Covers out-of-pocket expenses incurred by you during the recovery of your identity up to $25,000 with no deductible. These expenses may include attorney’s fees, mailing expenses, fees for notarizing affidavits and documents, and lost wages due to time off from work to fight identity fraud.
Mobile Device Protection5
Provides cash reimbursement up to $250 after a $50 deductible for repairs or replacement due to accidental damage or mechanical failure. Pre-registration is not required and this coverage can apply to both your new and used cell phones and smartphones.
- One claim per 12-month period
- 30-day waiting period after coverage start date
- Primary account holder may file a claim on any mobile phone on his or her phone plan
Three Bureau Credit Monitoring3
Monitors for new activity that might appear on your credit report, including credit inquiries, new credit lines, derogatory credit, name changes and address changes. Email alerts and optional text alerts are available. TransUnion® monitoring begins when registration is completed. Monitoring may be extended at any time to all three bureaus — Experian®, Equifax® and TransUnion®— with identity authentication.
Annual Tri-Bureau Credit Report and Score3
A consolidated, three-bureau credit report and score with Experian®, Equifax® and TransUnion® is available annually on demand to help you benchmark your credit standing and uncover pre-existing credit issues.
Daily TransUnion® Credit Reports and Scores3
Credit reports and scores are available daily and on demand. Allows you to benchmark your credit standing and uncover pre-existing credit issues.
Online TransUnion® Credit Lock/Unlock3
Lock and unlock your TransUnion® credit report online to prevent unauthorized access to your credit report.
Credit Report Disputes
Should an item appear on your TransUnion® credit report that isn’t an indication of potential fraud but is inaccurate, you can request a correction through the online portal, which goes straight to TransUnion® for processing.
Credit Freeze Assistance
Trained privacy advocates walk you through the process of efficiently freezing your credit reports with all three major credit bureaus.
Dark Web Monitoring6
Continuously tracks criminal networks, black market forums, phishing networks and exploited websites using sophisticated technology and human spies. Alerts you if your personal information has been compromised by the Dark Web. Provides easy, secure online storage of your credentials for retrieval in the event of theft of a purse or wallet, or home disaster.
High-Risk Transactions Monitoring6
Sends you alerts if someone is using your identity to conduct a high-risk transaction at hundreds of participating banks, brokerages, cellular providers and more. Alerts may include illicit password resets, account management changes, and fraudulent money transfers.
Social Media Monitoring6
Keeps tabs on your Facebook, Instagram, LinkedIn and Twitter accounts watching for vulgarity, threats, explicit content, and violence. Sends alerts if it looks like someone has taken over your account and is posting unsavory material.
IP Address Monitoring6
Scans for malicious use of your IP addresses and alerts you if they have been compromised.
Solicitation Reduction
Assists you in opting in or out of the National Do Not Call Registry, credit offers, and junk mail.
Member Protect Checking Account Disclosures
*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 October 1, 2023, to qualify for this promotion. New High Yield Checking, Member Protect Checking, and Standard Checking accounts opened on or after October 1, 2024, and on or before December 31, 2024, 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 1st 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, 2024.
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 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.
**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, deposits from an internet payment service, and deposits made at an ATM.
1No minimum balance to open account. Fees may reduce earnings on 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. 2To 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. 3Identity Theft Protection policy limitations and disclosures are 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®, 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. 4Reimbursement 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. 5Mobile Device Protection has an annual benefit of $250 and a $50 deductible. Mobile Device Protection policy limitations and disclosures are provided to you upon account opening. No pre-registration is required and the benefit applies to both new and used cell phones and smartphones with a waiting period of 30 days after the coverage start date. You may file one claim per 12-month period. Certain terms, conditions and limitations apply to these benefits, so it is important that you carefully review the “Mobile Device Coverage Member Services Agreement” on our website. 6Monitoring services require activation. Membership eligibility applies.