- 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
Something Big Is Coming!
We have exciting news for U: a new and enhanced Online and Mobile Banking experience is coming to APGFCU® member-owners in early 2023!
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.
A new and enhanced Online and Mobile Banking experience is headed your way in early 2023. Stay tuned for more information coming soon.
Consumer Service Charges & Fees List
Click here to download a printable version of the service price list.
Effective: March 1, 2022
Account Maintenance
- Address Search - $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
- One-time Electronic Loan Payment - $5.00
- Escheatment Fee - $20.00
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 - $35.00 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 - $4.00 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¢ for every dollar counted
- Members under 18 - No charge up to $50 (2¢ for every dollar counted over $50)
Checking and Check 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 item
- Courtesy Pay (must opt in to receive this service)
- Debit Card Transactions - $32.00 per day
- Check & ACH Transactions* - $32.00 per item
- Non-Sufficient Funds* - $32.00 per item
- Returned Checks (not APGFCU) - $20.00 per item
*Note: Items may be re-presented if there are insufficient funds. Fees are charged each time
an item is presented.
Replace Lost Cards or PINs
- ATM/Visa Check Card - $7.50 each
- PIN Replacement - $5.00 each
- Visa Credit Cards - $7.50 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
- Popmoney Transactions - $1.00 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.