- 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
- Notary Services
Phone Scam Alert
Identity thieves are posing as APGFCU to commit fraud. They may call from a spoofed number and ask about possible fraudulent activity on your card, request your PIN, login ID and/or Secure Access Code for Online Banking.
If you receive such a call, DO NOT give out this information, even if the call appears to be from APGFCU. Hang up and call us at our published number. Cick here for more information.
TO PREVENT FRAUD, Do NOT share your secure access code with anyone who calls, even if the call appears to be from APGFCU. APGFCU will never request your code.
Skip-A-Pay
We understand that life is sometimes unpredictable and can affect the ability to make loan payments. With Skip-A-Pay, you can choose to skip one payment every 12 months on your personal, auto, home improvement, education, or recreational loans without penalty.
Skip-A-Pay Highlights
- Choose to skip one month's payment once per calendar year.
- Eligible loans:
- Auto
- Personal
- RV
- Boat
- Motorcycle
- Home Improvement
- Education
- Finance charges (interest) will continue to accrue on a daily basis during the month the payment is skipped.
- A $30 processing fee per loan applies.
- Certain restrictions apply.*
Skip-A-Pay Instructions
- All borrowers must sign the application.
- Application must be received at least three days before the loan payment due date.
- One Skip-A-Pay per calendar year.
- If there is a recurring automatic payment from another financial institution, you must cancel the transaction for the month.
- Attach the completed application through secure email through Online/Mobile Banking or drop off at your local branch.
*A $30 processing fee per loan applies. Loan payments cannot be skipped within the first three months of your loan origination date. You can skip only one loan payment per loan per calendar year and regular monthly or minimum payments must resume. Members who have weekly or biweekly payments and have already made a payment within the month when the request is made will not be able to skip the subsequent payment for that month. To qualify, your membership must be in good standing, all loan payments must be current, and eligibility may be subject to credit union approval. All co-signer(s) and/or co-borrower(s) must sign this form. Offer does not include Visa® credit cards, Easy Cash lines of credit, mortgage loans, mobile home loans, home equity loans, home equity lines of credit, vacation loans, holiday loans, and any share secured loans including Visa share secured. This form must be received at least three business days prior to your payment due date to take advantage of this offer. Finance charges (interest) will continue to accrue on a daily basis during the month the payment is skipped. Deferral of the regular or minimum monthly payment(s) will result in having to pay higher total finance charges (interest), and the loan repayment schedule will be extended. Under some circumstances, the payment may not cover the finance charges (interest) that accrue and “negative amortization” may occur.