- 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
Fraud Texts Security Alert
There is an active scam where identity thieves pretending to be from APGFCU are contacting members via a text alert on their phones. The alert instructs you to click a link, which takes you to a site that appears to be ours to enter your APGFCU login ID and password.
DO NOT CLICK THE LINK IN THE TEXT and only access APGFCU Online Banking via the apgfcu.com website or our mobile app.
New Visa Card Activation Phone Number
To activate your APGFCU Visa Debit or Credit Card, please call 1-877-433-0023. Alternatively, you may activate your card within APGFCU Online Banking or the APGFCU Mobile Banking app.
Should you encounter any issues while activating your card, please contact us at 410-272-4000 or 800-225-2555.
System Maintenance 09/15
We will be performing scheduled system maintenance on Sunday, September 15 between 2 a.m. and 5 a.m. Online and Mobile Banking, ABBY Telephone Teller and Online Account Opening may be temporarily unavailable during this time.
We apologize for any inconvenience.
Consumer Service Charges & Fees List
Click here to download a printable version of the service price list.
Effective: July 22, 2024
Account Maintenance
- No Forwarding Address - $5.00 monthly
- Inactive Account (after 12 months of no activity) - $3.00 monthly
- Money Market Share Account - If balance falls under $2,500 - $10.00 monthly
- Stop Payment - Pre-Authorized and Checking - $29.00 each
- Stop Payment - Credit Union Checks - $29.00 each
- Stop Payment - Visa® Credit Card Convenience Check - $29.00 each
- Closed Membership Account Within 60 Days of Opening - $15.00
- Visa Credit Card Cash Advance* - $2.00 per advance
- Items Sent for Collection - $20.00 each
- Reoccurring Electronic Loan Payment - Free
- Escheatment Fee - $20.00
*For additional information on Visa Credit Card Cash Advance, please refer to our Visa Cash Back Credit Card Agreement and Visa Credit Card Agreement.
Money Orders and Checks
- Money Orders - $2.00 each
- Certified Checks - $5.50 each
- Money Wires/Bank Wires
- Incoming - $10.00 each
- Outgoing - $25.00 each
- Outgoing International - $40.00 each
- Western Union Commercial Money Orders
- $0 - $10,000 - $20.00 each
- Each additional $10,000 - $20.00 each
International money order fees may vary.
- Credit Union Checks in Branch
- 1st Check - Free
- Additional checks - $5.00
- Out-of-Country Checks - Not Accepted
Document Copies
- Member - $5.00 per copy
- Non-Member - $5.00 per copy
Includes check copy, statement copy, account inquiries/history copy, photocopies, Visa sales slip copy, and other miscellaneous account information
Notary
- Member - Free
- Non-Member - Not available
Service and Research
- Balancing Checkbook - $15.00 per hour
- Account Research Time - $5.00 per 15-minute intervals
- Legal Attachments to Account - $100.00 minimum
- Non-Member Cashing APGFCU® Check - $5.00
Coin Counting Machines
- Members 18 and over - 2% of amount counted
- Members under 18 - No charge up to $50 (2% of amount counted over $50)
- Non-Member - 9% of amount counted
Checking and Debit Card Overdraft
- Share Protection Fee - $10.00 per item
- Visa Credit Card Protection Fee (APGFCU) - $5.00 per day
- Easy Cash Protection Fee - $5.00 per day
- Courtesy Pay†
- Standard Courtesy Pay (Check, ACH, & Other Transactions*) - $32.00 per item
- Extended Courtesy Pay (One-Time Debit Card Transactions**) - $32.00 per day
- Non-Sufficient Funds* - $32.00 per item
- Returned Check - $20.00 per item
†Please refer to our All About Your Accounts agreement for additional information on our Courtesy Pay program.
*Note: Items may be re-presented if there are insufficient funds. Fees are charged each time an item is presented.
**Must opt-in to receive this service.
Replace Lost Cards or PINs
- Visa Debit Card - $7.50 each
- Visa Debit Rush Card Replacement - $25.00 each
- Visa Credit Cards - $7.50 each
- Visa Credit Card Rush Replacement - $12.50 each
- Member Select PINs - Free
ATM Activity
- APGFCU and Allpoint Network ATM Transactions/Inquiries - Free
- Non-APGFCU/Allpoint Network ATM Transactions:
- Account-to-Account Transfer - $1.50 each
- Withdrawals - $1.50 each
- Bronze Level Benefit - $1.25 each
- Silver Level Benefit - $1.00 each
- Gold Level Benefit - Free
- Balance Inquiries - $1.00 each
- Bronze Level Benefit - 75¢ each
- Silver Level Benefit - 50¢ each
- Gold Level Benefit - Free
- Surcharge* (Allpoint Network) - None
- Surcharge* (non-Allpoint Network) - determined by ATM owner
- ATM Deposit Misuse Fee - $50.00 each
*Fees may be charged by the company that owns the ATM (called a surcharge). If there is a surcharge, the fee amount will be displayed on the ATM screen, and you have the option to cancel the transaction if you do not want to pay the fee.
Safe Deposit Boxes
- Safe Deposit Box Rental (where available) - prices start at $50.00
- Silver Level Benefit - 25% Discount
- Gold Level Benefit - 50% Discount
- Drilling Fee - $25+ Drilling Contractor Fees*
*Contact us for an estimate on drilling contractor fees as prices may vary.
Online Services
- Online Banking - Free
- Online Statements - Free
- Phone Banking - Free
- Mobile Banking* - Free
- Bill Pay - Free
- Bill Pay Stop Payment - $25.00 each
- Bill Pay Check Copy - $5.00 each
- Bill Pay Overnight Check - $14.95 each
- Bill Pay Same-Day Payment - $9.95 each
- Standard External Transfer- Free
- Next-Day External Transfer- $5.00 each
- Mailed Paper Statement (Excludes Loan and Visa statements) - $2.00
*Your mobile or internet provider may apply data or usage charges. Please contact your carrier for more information.