APGFCU will NEVER call, text or email asking for personal information. If you receive such a request, please contact us directly at our published number.
We are open for branch appointments and drive-thru service. Click here for details.
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.
Choose the APGFCU Visa card that works best for you: cash back on purchases, rewards that can be redeemed for gift cards, merchandise or travel, starter and student cards to help build your credit history, and other special card programs.
View All Visa Credit Card Rates
Apply online for your APGFCU Visa Credit Card, or visit any branch, call us at (410) 272-4000, or apply in Online Banking under Services > Apply for a Loan.
Find the card that works best for you!
Get the purchasing power and savings your business needs.
Transfer balances from higher-rate cards and loans to your APGFCU Credit Card.
Learn more about offers for:
Card Members within their first 90 days
Card Members after 90 days
Your wallet just got smarter. Add your APGFCU® Visa® credit card to your preferred app and get started today. Available on Apple PayTM, Google PayTM, and Samsung PayTM.
With our Visa Credit Cards and UChoose Rewards, you can reward yourself with great merchandise, gift cards, travel excursions, event tickets, and activities. Watch the video on right to learn more.
UChoose Rewards Benefits are for Visa Platinum Preferred Rewards, Visa Platinum Preferred Student or Starter, Visa Platinum Share Secured, Visa Money Market Secured:
Choosing your reward has never been easier.
You can now access your UChoose Rewards accounts through APGFCU Online Banking. Our new single sign-on access creates a one-stop-shop, so you can view and redeem UChoose Rewards points, check your Visa card balance and complete your online banking transactions all in one visit.
Log in to Online Banking to view your current UChoose Rewards balance. Don't have online banking? Click here to enroll today.
Don't have UChoose Rewards? Click the button below.
Get Started with UChoose Rewards
Enjoy exclusive merchant discounts and special offers when you use your APGFCU Visa card. View current offers.
Get real-time alerts when fraud or suspicious activity is detected on your APGFCU Visa Credit Card.
Cardholders with a valid mobile number on file will automatically be enrolled to receive an alert when suspicious activity is detected.
From cable and phone to insurance and even your gym membership, paying your bills is faster and easier than ever using your APGFCU Visa Card. Plus, if you have an APGFCU Cash Back or Visa Platinum Preferred Rewards Card, you'll earn rewards on your payments.
It's simple, more reliable than the mail, and it gives you enhanced fraud protection with Visa's Zero Liability Policy.
Proactively manage and safeguard your APGFCU® debit and credit card from fraud with the APGFCU mobile app using Card Control.
*This 0% introductory APR offer is for the Cash Back, Platinum Preferred, Platinum Preferred Rewards and Platinum Preferred Student/Starter Visa cards. The 0% introductory APR is for 15 months (billing cycles) on qualified balance transfers. After that, the variable APR will be 8.99% -17.49% APR. The variable APR will vary based on the Prime Rate.Balance transfers must be submitted within the first 90 calendar days from account opening to qualify for the 0% introductory APR offer. There is a 3% balance transfer fee for all balance transfer requests submitted within the first 90 calendar days of account opening at the 0% introductory APR.There is no balance transfer fee for all balance transfer requests submitted and posted to your account after 90 calendar days of account opening, and you will be charged your standard variable rate APR.
1APR = Annual Percentage Rate. Membership eligibility applies. Subject to credit approval. Your APR is based on your creditworthiness and not all applicants will qualify for the lowest rate. The APR will vary with the market based on the Prime Rate reported within the Wall Street Journal on the first business day of each month.
Variable APRs Based on Prime: For our variable rate cards, your Annual Percentage Rate is based on the U.S. Prime Rate (“Prime Rate”). Your Annual Percentage Rate will equal the Prime Rate plus a margin. If the Prime Rate increases, it will cause the Annual Percentage Rate to increase. If the Prime Rate decreases, it will cause the Annual Percentage Rate to decrease. Your FINANCE CHARGE for every $1.00 in your daily balance may increase if the Prime Rate rises and will decrease if the Prime Rate falls. For example, a change in the Prime Rate of one percentage point will result in a one percentage point change in the same direction in your Annual Percentage Rate with a corresponding change in your daily periodic rate. For each billing period, we use the Prime Rate published in The Wall Street Journal on the first business day of each month. If the Prime Rate causes an Annual Percentage Rate to change, we put the new Annual Percentage Rate into effect as of the first day of the billing period following the month in which the Prime Rate changed. We apply the new Annual Percentage Rate to any existing balance, subject to any promotional rates that may apply.
For Cash Back, Platinum Preferred Student/Starter, Platinum Preferred and Platinum Preferred Rewards VISA cards, the margin is determined based on an evaluation of each member’s credit history. The margins will range from 5.74% to 14.24% based on product type. For the Classroom Supply VISA, the margin is 0.00%. For the Share Secured and the Money Market Share Secured VISA cards, the margin is 1.00%.
21.5% Cash Back awards earned for each one dollar ($1.00) spent of all new retail purchases less credits, returns and adjustments charged in a statement period. Cash Back awards will only be paid for credit card accounts in good standing and will be posted to the primary card member’s regular share account on the next business day following the end of the credit card statement period.
3Credit approval required and you must use your new Visa card at least once to receive the 2,500 welcome and first card use bonus points.
4Not all merchants participate in automatic updates. Updates are not guaranteed before the next billing cycle.
Revised Billing Error Notice
Zero Fraudulent Liability Policy
Visa Convenience Check Routing Number: 055080444