Branch lobbies are temporarily closed. Limited drive-thru locations are open. Online and phone services are available. Learn more about our response to coronavirus/COVID-19.
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Low-rate mortgage loans
Use your computer, laptop, mobile device, or phone to stay connected to your APGFCU accounts 24 hours a day, 7 days a week!
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.
APGFCU offers unique benefits for members at every stage of life. We take great pride in offering a little something extra for those who help support the communities we serve and providing special rewards for members with a strong relationship with the credit union and discounts for our seasoned members.
Teachers and school staff are vitally important to the communities we serve. So we make it a priority to support you. Our exclusive U Educate Member Rewards Program* can help you save money through specialized products, discounts, preferred rates and reduced fees.
*See list of benefits
Member Rewards is our way of doing business—rewarding members who actively participate in the APGFCU cooperative with premium rates, discounted fees, and more.
Every member living at your address with the same last name receives the same benefits because all of those accounts are considered a “household.” Be sure to tell us if you share an address with other credit union members who have a different last name, so that we can combine them to give everyone the opportunity to be rewarded!
Your monthly statement will show you which level you’ve earned. Use this brochure to remind you of all the extra benefits you can receive for being an active member of APGFCU.
For complete program details, see the Member Rewards Program Details page or call our Member Service Center at (800) 225-2555, press 4.
Rates and rebates subject to change without notice.
MyTimes is all about helping you live the life you want. This package includes products and services designed to save you money. Membership is free and you’re automatically enrolled if you’re over 50 and you automatically convert to MyTimes plus at age 65.
* If funds are withdrawn within the first six days of opening the certificate, the penalty will be at least seven days of simple interest to be paid on the amount withdrawn. Additional withdrawals are subject to a penalty to be paid on the amount withdrawn.
As a community financial leader, it is our goal to establish a detailed plan of action to assist members who experience financial hardship due to:
No one can ever fully prepare for a natural disaster, pandemic, or government furlough. APG Federal Credit Union understands the financial impact an unexpected event can have on individuals and families. Our representatives are here to assist you during difficult times.
For questions and to apply or initiate special services, please contact our Member Services Department at 800-225-2555.
1Member may be requested to provide proof of residence in an impacted area and/or temporary loss of income.2Finance charges (interest) will continue to accrue on a daily basis during the month(s) the payment is skipped.3Members with an existing hardship loan may refinance the existing loan to take up to the maximum draw allowed.4You will make no payments, plus the loan will not accrue interest until after the 90-day payment deferral period. If the loan is paid off at any time before the 91st day, there will be no interest charged and your total finance charge for the loan will be $0. Interest will begin to accrue at 4.99% APR beginning on the 91st day after loan settlement. Rate is current as of 04-09-2020 and is subject to change. Payment Example: For a $6,000 loan for a term of 36 months with a 4.99% APR, the monthly payment will be $179.80.
Here are a few tips to help with this unexpected financial setback: