- Learning Hub
- Financial Education
- Security
- College Planning and Education Loans
- Benefit Programs
- Financial Resources for Educators
- Insurance
- Financial Wellness in the Community
- Articles & Resource Library
- Financial Calculators
- IRA - Individual Retirement Accounts
- Overdraft Protection Services
- How to Bank Remotely
- 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
Please be aware that APGFCU will never send you text messages containing links to our website or instructing you to log into online banking. If you receive a text message with a link to APGFCU's website, do not click on it. Instead, visit apgfcu.com or use the mobile app to access your online banking account.
About Us
APG Federal Credit Union is a unique, not-for-profit financial cooperative with a mission to help our members build their wealth. If you live, work, worship, volunteer or go to school in Harford County, Cecil County, Baltimore County or Baltimore City you can be a member.
We’re different. And that makes a big difference for you.
We make you the owner.
As a cooperative, we’re owned by our members, not stockholders. When you’re a member, you can be assured your best interests guide every product we offer and every decision we make.
All our earnings work for you.
Since we’re not-for-profit, we reinvest all earnings for our members’ benefit. So we can offer products and services with better rates and lower fees than you’ll find elsewhere.
We help you be money smart.
We look out for your well-being by helping you be well informed about your financial situation. Free online resources, in-person workshops, financial counseling and more are always available to you.
We’re local, like you.
We started in Harford County in 1938. And we’re still here, with headquarters in Edgewood. Lending decisions, like all our decisions, are made locally.
We're for U.
U have plans to be made.
U have goals to be met.
U have dreams to be lived.
U want a partner you can trust.
U want an ally who puts people before profits.
U want personal connections, not just transactions.
U deserve guidance that helps you achieve.
U deserve tools that help you prosper.
U deserve every opportunity to grow.
U belong here.
Our Mission
Our mission is to empower our members to use and control their own money to improve their economic and social condition. We encourage thrift among our members and create a source of credit at a fair rate of interest by operating our not-for-profit credit union as a democratic, membership-driven cooperative.
Our Values
The credit union spirit lives in our values and these values guide us in everything we do.
- Our members come first.
- We embrace change and evolve minute by minute because it benefits our members.
- We improve the quality of members' lives.
- We provide quality service that exceeds our members' expectations.
- We employ, train, and develop credit unionists from the best the market can supply.
- We are a credit union movement leader.
Our Statistics
(November 30, 2024)
- Assets: $2,374,305,578.23
- Shares: $2,119,743,061.35
- Loans: $1,901,240,284.22
- Members: 166,958
Newsletters & Annual Reports
Catch up on all that’s new at APGFCU and review our financial results to see how we successfully serve you, other members, and our communities.
APGFCU Member News
- Member News - Winter 2025
- Member News - Fall 2024
- Member News - Summer 2024
- Member News - Spring 2024
- Member News - Winter 2024
- Member News - Fall 2023
- Member News - Summer 2023
- Member News - Spring 2023
- Member News - Winter 2023
- Member News - Fall 2022
- Member News - Summer 2022
- Member News - Spring 2022
- Member News - Winter 2022
- Member News - Fall 2021
- Member News - Summer 2021
- Member News - Spring 2021
- Member News - Winter 2021
APGFCU Annual Reports
- 2023 Annual Report — A Rich History; A Bright Future (pdf)
- 2022 Annual Report — Expanding Horizons to Financial Wellness (pdf)
- 2021 Annual Report — Your Partner for a Secure Tomorrow (pdf)
- 2020 Annual Report — Building Resilience With U (pdf)
- 2019 Annual Report — Member Owned; Member Driven (pdf)
- 2018 Annual Report — 80 Years with U (pdf)
- 2017 Annual Report — We’re for U (pdf)