Drive-thrus and branch appointments are available Monday through Saturday at participating locations. Click here for details and the latest updates in response to coronavirus/COVID-19.
Earn more on your balances with High Yield Checking.
Low-rate personal loans to consolidate debt
Teach children the importance of money with our new M3 Money Club Youth Program.
APGFCU now offers business banking and cash-management services.
We serve Harford County, Cecil County and certain areas of Middle River, Maryland. Once you're an APG Federal Credit Union member, you're always a member.
APR as low as
with no payments for 90 days**
We’re here to put you in the driver’s seat of a new or used car with payments made to fit your budget. Whether you’re buying from a dealership or private party, APGFCU is committed to offering low, competitive rates, so you can hit the road running.
Apply for an APGFCU auto loan today to drive off with no payments for 90 days**, plus:
Apply for an Auto Loan
*Rates stated available on approved credit with automated payments from an APGFCU account only and may be different as determined by the loan term, model year and individual creditworthiness of each applicant. Not all applicants will qualify for the lowest rate. Rate is subject to change at any time. Click here for more information.
**First payment may be deferred for 90 days. Interest will accrue from the date of loan disbursal and is due once payments begin. Deferred payment is not available for refinances of existing APGFCU auto loans. To take advantage of the deferred payments when refinancing from another lender, a minimum of 4 payments must have been made. Some restrictions apply. Not all applicants will qualify for the 90-day deferred payment.
Spending thousands of dollars on a vehicle is stressful enough without the added bonus of weighing dealer rebates and various financing options. Compare monthly estimates between your credit union and dealer yourself to determine the best option. Plus, we’ve broken down two key financing options as well as the benefits and drawbacks of each to streamline your process.
Compare Financing Options
View the guide
Life is unpredictable and can disturb the funds for your loan payments — we understand. With APGFCU 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.
Finance charges (interest) will continue to accrue on a daily basis during the month the payment is skipped. Certain restrictions apply.
We’ve partnered with over 90 dealerships across Maryland and Delaware to maximize your chances of receiving optimal financing on new and pre-owned vehicles, motorcycles, and RVs. To take advantage of credit union pricing, simply:
Upon approval, the dealership will complete the paperwork and send it to us for funding, while you drive off that day in your new vehicle.
Take the first step in helping yourself to find a better deal on your next vehicle purchase. By taking advantage of the AutoSMART information and resources, your auto buying experience will be easier and more satisfying.
Call us to learn more
APGFCU members may save on auto and home insurance through Travelers.
Request a quote and find out how you can get the right coverage at a better price with the Travelers Auto Insurance for APGFCU members. Call (800) 842-5936 for a quote over the phone.
GAP is loan/lease deficiency protection designed to cover the deficiency balance on your loan in the event of a total loss.
Learn About GAP