- 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
Mobile Banking App in Google Play Store is Temporarily Unavailable
The mobile banking app is temporarily unavailable for download in the Google Play Store. Members who have not already downloaded the app may use the browser on their phone (also known as mobile web) to access our online banking. Visit www.apgfcu.com and click “Log In” at the top right corner. We apologize for the inconvenience.
What is a Credit Union?
Credit unions are not-for-profit, financial service cooperatives, owned and controlled by their members, and operating in a democratic way. As co-ops, credit unions operate solely for their members’ benefit, rather than to make a profit.
Why Join a Credit Union?
Member Owned. Member Driven.
Credit unions were founded on the principle of people helping people. When you join a credit union, you become part of a community. A community that exists to help its members grow and prosper financially. You become something bigger than just an account number. You become a member-owner with the power to shape the future of the credit union through your voice and your vote. You become part of a movement that exists solely for the purpose of meeting the financial needs of their member-owners by following seven cooperative principles.
Seven Cooperative Principles
All co-op businesses run in accordance with seven basic principles.
Open and Voluntary Membership
It’s important that members voluntarily choose to become members. Cooperatives are “open to all persons able to use their services and willing to accept the responsibilities of membership…”
Democratic Member Control
Members ultimately control their cooperatives. When you attend your credit union’s annual meeting or vote for the board of directors, you’re exercising your member control.
Member Economic Participation
“Cooperatives operate so that capital is the servant, not the master, of the organization.”
Autonomy and Independence
While governments determine the legislative framework within which co-ops function, this principle asserts that co-ops also have an “essential need to be autonomous in the same way that enterprises controlled by capital are…”
Education, Training, and Information
This principle says members can play their role in the cooperative only when they understand that role and the co-op. That’s one reason, for example, that your credit union provides you with this information and other educational tools.
Cooperation Among Cooperatives
Those managing a cooperative believe that co-ops have a unique opportunity to protect and expand the interests of ordinary people. This kind of one-for-all and all-for-one idea is unique. Even in areas where they compete, it’s common for credit unions to cooperate on activities.
Concern for Our Community
Cooperatives exist primarily for the benefit of their members. Because of this strong association with members, they also are often closely and actively tied to their communities.
“The credit union movement… it is a great movement, worthy of great deeds, deserving of great loyalty.”
Edward Filene, founder of the first credit union in the United States.
A Message from Executive Leadership
While APGFCU marked its 85th anniversary in 2023, it also focused on its future by making major investments in technology to better serve a growing membership. During the first half of the year, four key service delivery systems were upgraded: the core system through which all member transactions are processed, the online and mobile banking system, the loan operating system, and ABBY telephone teller. These enhancements are helping us serve you more efficiently and effectively, and have led to the introduction of new online and mobile banking features to help improve your financial life. These include Savvy Money, which provides access to your free credit score and report, as well as tips to optimize your financial health.
Last year was also the first full year of serving an expanded field of membership, which now extends beyond Harford and Cecil counties into Baltimore County and Baltimore City. In total, the credit union serves an area comprised of approximately 1.8 million residents. Last year, approximately 30% of new members who joined APGFCU were from Baltimore County and Baltimore City. As more people join our financial cooperative, it grows even stronger.
We believe all generations benefit from credit union membership, which empowers them to improve their economic and social condition. By providing education to students in our schools, we begin imparting knowledge at an early age to set youth on the path to a sound financial future.
In addition, financial education workshops and counseling are offered to adults. Nearly 28,000 youth and adults were reached through APGFCU’s financial education and counseling efforts last year.
Your credit union continued to grow in 2023, during a challenging economy. As consumers spent more on daily needs due to inflation, the overall deposit market in our area shrank by $5.7 billion (-7.2%) between June 30, 2022 and 2023. However, member share balances at APGFCU grew by $85.8 million (4.6%) in the same period, as more people were attracted to our message of financial empowerment and benefited from attractive savings rates. APGFCU continues to be a safe and secure place to save, with each member’s deposits being insured up to $250,000 by the National Credit Union Administration.
APGFCU remains strong because our focus is centered on people, not on profits. That’s the credit union difference. The success of the past 85 years would not have been possible without the commitment of member-owners like you. Thank you for choosing APGFCU for your financial needs.