- 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
- Branch Appointment Requests
Phone Scam Targeting Cardholders
Identity thieves are posing as APGFCU to commit card fraud. They may call from a spoofed number and ask about possible fraudulent activity on your card.
If you receive such a call, DO NOT give out any personal information. Hang up and call us at our published number. Cick here for more information.
Branch Availability Update
- The majority of our branch lobbies, except for those listed below, are fully open for member service. Appointments are still strongly encouraged.
- Amyclae and Rising Sun branches are temporarily closed.
Click here for more information and to request an appointment.
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We Help You Grow by Helping Your Money Grow.
Savings & IRAs
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.
Share Savings
Account Highlights
- Required for membership
- Open an account for as little as $5**
Annual Percentage Yield
0.20%*
Dividends are compounded and credited quarterly on the daily balance.
*See all saving rates, terms and disclosures.
**A $5 minimum is required to earn dividends.
Money Market
Account Highlights
- The higher your account balance, the higher your rate
- No term or penalty for withdrawal
- A $2,500 minimum daily balance is required, otherwise a monthly service charge applies
Annual Percentage Yield as high as
0.30%*
Dividends are compounded and credited monthly.
*See all saving rates, terms and disclosures.
High-Yield Money Market
Account Highlights
- Higher dividend rate for higher account balance
- Minimum Opening deposit: $75,000
- 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
Annual Percentage Yield as high as
0.55%*
Dividends are compounded and credited monthly.
*See all saving rates, terms and disclosures.
To open a High-Yield Money Market account call us at 800-225-2555 or schedule an appointment at one of our convenient branch locations.
Club Account
Account Highlights
- Prepare for holiday gift-giving without the worry of having a credit card bill or loans to repay
- 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
Annual Percentage Yield as high as
0.20%*
Dividends are compounded and credited quarterly on the daily balance.
*See all savings rates, terms and disclosures.
For more information about Club Accounts call us at 800-225-2555 or schedule an appointment at one of our convenient branch locations.
Special Savings
Account Highlights
- Save for vacation, a down payment, a special event, or other large purchase
- Open an additional savings account with just a $5 minimum deposit
- Deposit or withdraw funds at any time
- Set up automated transfers and an account nickname to help reach your savings goal
Annual Percentage Yield as high as
0.20%*
Dividends are compounded and credited quarterly on the daily balance.
*See all savings rates, terms and disclosures.
Coverdell Education Savings
Account Highlights
Start saving for your child's college tuition and watch your money grow, tax-free.1
Traditional IRA & SEP
Account Highlights
Save for your future while reducing your taxable income now.1
Required Minimum Distribution (RMD) Options:
If you are required to take an annual RMD, you may opt to donate all or a portion of your distribution to a qualified charity as defined by the IRS. To learn more about this option, visit https://www.irs.gov/retirement-plans.
When completing the IRA Withdrawal form, you may indicate if you would like a check payable to a charity. The annual 1099-R form that reports your distributions does not specifically designate charitable distributions. Please seek the guidance of a tax advisor or accountant for tax filing.
Roth IRA
Account Highlights
Watch your after-tax retirement savings contributions grow, tax-free.1
1Please consult your tax advisor.
Need Help? Get in Touch!
For more information or help with savings, retirement or education accounts...