- 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 — My Loan Center
- Riverside Branch
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We help you grow by helping your money grow.
Savings
Your credit union ownership begins here because you're not just a member, you're an owner.
For more information on any of these products: Call us at 800-225-2555 or come into one of our 14 convenient branch locations.
APGFCU offers savings, money market, youth, and club accounts as well as retirement and education options — all with competitive dividend rates. Savings accounts, (also known as share accounts), are the foundation of the credit union and your membership.
- Open an account for as little as $5*
- Dividends are compounded and credited quarterly on the daily balance
*A $5 minimum is required to earn dividends
Club Account
Start saving for the holidays with a club account. You'll be prepared for holiday gift-giving without the worry of having a credit card bill or loans to repay.
Product Overview
- Open a club account anytime during the year with just a $5 minimum
- Deposit or withdraw funds at any time
- Funds in the account on October 1 are automatically transferred to your checking or savings account
- Dividends are compounded and credited quarterly on the daily balance
- Enjoy the same rates as our Share Savings account
Product Overview
- Open a club account anytime during the year with just a $5 minimum
- Deposit or withdraw funds at any time
- Funds in the account on October 1 are automatically transferred to your checking or savings account
- Dividends are compounded and credited quarterly on the daily balance
Money Market
An APG Federal Credit Union money market account is a smart place to keep your savings. With higher dividends than traditional savings accounts, your money will work harder for you.
- No term or penalty for withdrawal*
- Account earns tiered dividends on the daily balance
- Dividends are compounded and credited monthly
- A $2,500 minimum daily balance is required, otherwise a monthly service charge applies
High-Yield Money Market
An APG Federal Credit Union High-Yield Money Market account is a smart place to keep your savings. With higher dividends than traditional savings accounts, your money will work harder for you. With a High-Yield Money Market account, the higher your account balance, the higher your rates.
- Minimum Opening deposit: $75,000.00
- New money requirement - At least 50% of the opening deposit must come from funds not already on deposit with APGFCU
- No term or penalty for withdrawal*
- Dividends are compounded and credited monthly
Plus, your shares are insured by the National Credit Union Administration, an agency of the federal government.
*Federal Reserve Reg. D limits the number of transfers and withdrawals from a money market account to 6 per month.
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Share the spirit
Open a new youth membership savings account and we'll match your initial deposit up to $25.*
Youth Savings Accounts
For our youngest members, we offer special account tailored to their needs. In addition to standard savings accounts, we offer the following:
Moola Moola Youth Savings Account
- For ages birth through 17
- No minimum balance requirements or monthly service fees
- Special prizes at APGFCU branches
STARSS: Student, Teens, and young Adults Reaching Success through Savings
- For members aged 13 through 21
- Benefits progress as members grow
Ages 13+
- No minimum balance requirement or monthly service fee
- Low $100 minimum deposit for savings certificates
- Five free ATM withdrawals per month*
Ages 16-17
- Free checking with ATM or Visa® Check Card
- 24/7 account access with ABBY Telephone Teller, Online Banking and Mobile Banking
- Scholarship opportunities for graduating high school seniors
Ages 18-21
- Access to a Starter or Student Visa® credit card, auto loans, and educational loans
- Ability to apply for a Starter or Student Visa® credit card, auto loans, and educational loans
Be sure to have the child’s Social Security Number and birthdate available when you apply.
*We will not charge our foreign ATM fee for the first five foreign ATM transactions.
Retirement & Education
It's never too early to start savings for college or retirement, and APG Federal Credit Union has the IRA or ESA that is right for you.
Coverdell Education Savings
Start saving for your child's college tuition and watch your money grow, tax-free.* Learn more about Coverdell Education Savings Accounts.
Traditional IRA & SEP
Save for your future while reducing your taxable income now.* Learn more about Traditional IRA & SEP Plans.
Roth IRA
Watch your after-tax retirement savings contributions grow, tax-free.* Learn more about Roth Individual Retirement Accounts.
Roth IRA
Watch your after-tax retirement savings contributions grow, tax-free.*
*Please consult your tax advisor.