- 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
- Riverside Branch
- Rising Sun Branch & ATM
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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.
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.
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
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Super Smart Money Habits Start with YouA super fun way to save
Teaching children smart money habits is a priority for us and always has been. Many of today’s parents might remember growing up with Moola, the purple money-saving mascot, and the Moola Savings Account. Moola was a great tool used for many years to help teach smart money habits. Moola, just like our Moola generation members, is grown up but remembered fondly, and his legacy lives on.
Cash and Violet, leaders of the M3 Money Club, have swooped in to engage this generation and help parents teach their children the importance of money with our new M3 Money Club Youth Program.
M3 stands for "All the Money in the World." Cash, Violet and your child are the M3s protecting the world from the Evil Dr. Spendit, who tries to thwart our youth’s efforts in saving for the future.
When your child joins the M3 Money Club and becomes an APGFCU Super Saver, they’ll receive the tools they need to learn the basics of saving and spending.
- Designed for kids ages 4 to 12
- Membership is free
- Semi-annual newsletter filled with jokes, games, and activities to make financial learning fun
- M3 website access providing full interactive learning experiences
- A dividend-bearing savings account
- Parents can easily transfer funds into a child’s account through online or mobile banking
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.