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† When You Open a New Member Protect Checking Account.
Unlock a world of benefits with Member Protect Checking. Enjoy rewards for everyday purchases, comprehensive identity protection, and device safeguards — all within one secure account.
Turn everyday debit card purchases into cash back.
Access your paycheck up to two days in advance. Click here to learn more.
Safeguard your identity and combat potential fraud.
Get coverage for your mobile devices against accidental damage.
Monitor your credit and receive alerts for suspicious activity.
$300† could be yours when you open a new Member Protect Checking account.
It’s hard to find a checking account quite like Member Protect Checking. Enjoy a wide range of features, including:
Plus, get everything for a low monthly maintenance fee.* However, APGFCU will waive the fee if you:
You can dispute inaccurate items on your TransUnion credit report directly through their online portal.
Trained privacy advocates walk you through freezing your credit reports with all three major credit bureaus.
Lock and unlock your TransUnion credit report online to prevent unauthorized access to your credit report.
Scans for malicious use of your IP addresses and alerts you if they are compromised.
Minimum Balance | Dividend Rate | Annual Percentage Yield* | Alert Me |
---|---|---|---|
$0 - $10,000 | 0.05% | 0.05% | |
$10,000.01 - $20,000 | 0.15% | 0.15% | |
$20,000.01 + | 0.25% | 0.25% | |
*The Member Protect Checking account has a $6.00 monthly fee. This 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. Member Protect Checking is limited to one per member (per membership). APY is accurate as of the last dividend declaration date. No minimum balance to open. Fees may reduce earnings on account. DIVIDEND RATES MAY CHANGE AFTER ACCOUNT IS OPENED. Dividends are earned from day of deposit to day of withdrawal, compounded and credited monthly. Federal regulations prohibit dividends in excess of available earnings.
**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, deposits from an internet payment service, and deposits made at an ATM. ***To qualify, debit card transactions must process, post, and clear within the calendar month. 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. |
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Click the green button or visit a branch to start your application.
Add funds to your new account. No minimum balance requirements!
Explore all the safety and security features this account offers.
Our Identity Theft Recovery2 service provides a dedicated advocate to manage your case until it is resolved. This protects you from the many types of identity fraud you may encounter. This service covers the account holder and three generations of their family.
Identity Theft Expense Reimbursement Insurance4 covers up to $25,000 of out-of-pocket costs with no deductible. This could include legal fees, document expenses, and lost wages while fighting fraud.
Yes! Get Mobile Device Protection5 with reimbursement of up to $250 after a deductible for accidental damage repairs or replacement. It covers new and used phones (limitations and waiting period apply).
Enjoy Three Bureau Credit Monitoring2, including alerts for suspicious activity. You'll initially receive TransUnion monitoring, with the option for Experian and Equifax. With TransUnion, receive daily and on-demand credit reports and scores. Your new credit union member checking account covers you on all three fronts!
Dark Web Monitoring3 alerts you if your personal information becomes compromised. This feature continuously tracks criminal networks, black market forums, phishing networks, and exploited websites. This secure checking account also offers secure online storage for important credentials.
Yes! High-Risk Transaction Monitoring3 sends alerts about potentially fraudulent activity (e.g., credit cards, ATM, and bank accounts) across various banks, brokerages, and more.
Social Media Monitoring3 watches for inappropriate content on platforms like Facebook and Twitter. You'll receive alerts if someone else has taken control of your account.
The Solicitation Reduction Service assists with opting in/out of credit offers and the Do Not Call Registry. It also helps reduce unwanted mail.
High Yield Checking
Watch your savings grow with a smile-inducing rate on our High Yield Checking!
Certificates
Secure your financial future with exceptional rates on our flexible certificates.
Savings & IRAs
Build a brighter financial future with our diverse savings and retirement options.
†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 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. 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.
1To 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.
2Identity 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.
3Monitoring services require activation. Membership eligibility applies.
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.