- 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
There is an active scam where identity thieves pretending to be from APGFCU are contacting members via a text alert on their phones. The alert instructs you to click a link, which takes you to a site that appears to be ours to enter your APGFCU login ID and password.
DO NOT CLICK THE LINK IN THE TEXT and only access APGFCU Online Banking via the apgfcu.com website or our mobile app.
Christmas Eve and Christmas Day Closures
All APGFCU offices will be closing at 1 p.m. on Tuesday, December 24 for Christmas Eve, and closed on Wednesday, December 25 for the Christmas Day holiday observance.
Online/Mobile Banking, ABBY Telephone Teller and ATMs will be available during this time.
Regular hours will resume on Thursday, December 26.
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.
Account Rates
Certificate Rates
Table data for Certificates & IRAs Effective 12-22-2024
Term
Dividend Rate
Annual Percentage Yield
Alert Me
Standard and IRA: $100 Minimum
Alert Me
6 months
3.45%
3.50%
12 months
3.74%
3.80%
18 months
3.74%
3.80%
24 months
3.21%
3.25%
30 months
3.25%
3.30%
48 months
3.25%
3.30%
60 months
3.74%
3.80%
84 months
3.74%
3.80%
Super: $25,000 Minimum1
Alert Me
24 months
3.45%
3.50%
30 months
3.50%
3.55%
48 months
3.50%
3.55%
60 months
3.98%
4.05%
84 months
3.98%
4.05%
Step-Up: $100 Minimum
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25 month Step-Up
3.16%
3.20%
45 month Step-Up
3.21%
3.25%
Jumbo: $50,000 Minimum
Alert Me
3 months
2.82%
2.85%
6 months
3.45%
3.50%
12 months
3.75%
3.80%
MyTimes (members 50 and over): $100 Minimum
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36 Months
3.50%
3.55%
MyTimes Plus (members 65 and over): $100 Minimum
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12 Months
3.84%
3.90%
Member Rewards Silver: $100 Minimum
Alert Me
48 months
3.38%
3.43%
60 months
3.87%
3.93%
84 months
3.87%
3.93%
Member Rewards Gold: $100 Minimum
Alert Me
48 months
3.50%
3.55%
60 months
3.98%
4.05%
84 months
3.98%
4.05%
There may be a penalty for early withdrawal on all certificates. Fees may reduce earnings.
APY is accurate as of 12-22-2024.
- 1Coverdell IRAs are not eligible for the $25,000 minimum balance tier.↵
Certificate Rates
| Term | Dividend Rate | Annual Percentage Yield | Alert Me |
|---|---|---|---|
| Standard and IRA: $100 Minimum | Alert Me | ||
| 6 months | 3.45% | 3.50% | |
| 12 months | 3.74% | 3.80% | |
| 18 months | 3.74% | 3.80% | |
| 24 months | 3.21% | 3.25% | |
| 30 months | 3.25% | 3.30% | |
| 48 months | 3.25% | 3.30% | |
| 60 months | 3.74% | 3.80% | |
| 84 months | 3.74% | 3.80% | |
| Super: $25,000 Minimum1 | Alert Me | ||
| 24 months | 3.45% | 3.50% | |
| 30 months | 3.50% | 3.55% | |
| 48 months | 3.50% | 3.55% | |
| 60 months | 3.98% | 4.05% | |
| 84 months | 3.98% | 4.05% | |
| Step-Up: $100 Minimum | Alert Me | ||
| 25 month Step-Up | 3.16% | 3.20% | |
| 45 month Step-Up | 3.21% | 3.25% | |
| Jumbo: $50,000 Minimum | Alert Me | ||
| 3 months | 2.82% | 2.85% | |
| 6 months | 3.45% | 3.50% | |
| 12 months | 3.75% | 3.80% | |
| MyTimes (members 50 and over): $100 Minimum | Alert Me | ||
| 36 Months | 3.50% | 3.55% | |
| MyTimes Plus (members 65 and over): $100 Minimum | Alert Me | ||
| 12 Months | 3.84% | 3.90% | |
| Member Rewards Silver: $100 Minimum | Alert Me | ||
| 48 months | 3.38% | 3.43% | |
| 60 months | 3.87% | 3.93% | |
| 84 months | 3.87% | 3.93% | |
| Member Rewards Gold: $100 Minimum | Alert Me | ||
| 48 months | 3.50% | 3.55% | |
| 60 months | 3.98% | 4.05% | |
| 84 months | 3.98% | 4.05% | |
| There may be a penalty for early withdrawal on all certificates. Fees may reduce earnings. APY is accurate as of 12-22-2024. |
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Checking Account Rates
| Account Status | Minimum Balance | Dividend Rate | Annual Percentage Yield* | Alert Me |
|---|---|---|---|---|
| Meet Criteria | $0 - $20,000 | 3.93% | 4.00% | |
| Meet Criteria | $20,000.01 and above | 0.20% | 0.20% | |
| Do Not Meet Criteria | No minimum balance | 0.05% | 0.05% | |
| *High Yield Checking is limited to one per member (per membership). To earn the higher rate, you must opt out of paper statements from APGFCU, have an ongoing qualifying direct deposit of at least $200 per month into your High Yield Checking account1, and complete a minimum of 15 qualifying Point-Of-Sale (POS) purchase transactions per month using an APGFCU Visa Debit Card linked to the High Yield Checking Account2. Dividends are earned from day of deposit to day of withdrawal, compounded and credited monthly. Federal regulations prohibit dividends in excess of available earnings. APY is accurate as of the last dividend declaration date. Fees may reduce earnings on account. DIVIDEND RATES MAY CHANGE AFTER ACCOUNT IS OPENED.
1A qualifying Direct Deposit is an electronic credit of your salary, pension, Social Security, or other regular monthly income deposited to your account by your employer or an outside agency. Transactions that do not qualify as a Direct Deposit include, but are not limited to, transfers from one account to another, deposits from an internet payment service, and deposits made at an ATM. 2Minimum purchase transaction is $1.00. Debit card transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Both PIN and signature POS transactions qualify. ATM transactions do not qualify. To qualify, debit card transactions must process, post, and clear within the calendar month. |
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| Minimum Balance | Dividend Rate | Annual Percentage Yield* | Alert Me |
|---|---|---|---|
| $0 - $10,000 | 0.05% | 0.05% | |
| $10,000.01 - $20,000 | 0.15% | 0.15% | |
| $20,000.01 + | 0.25% | 0.25% | |
| *The Member Protect Checking account has a $6.00 monthly fee. This fee is waived if you opt out of paper statements from APGFCU, have an ongoing qualifying direct deposit** of at least $200 per month into your Member Protect Checking account, and complete a minimum of 20 qualifying Point-Of-Sale (POS) purchase transactions*** per month using an APGFCU Visa Debit Card linked to the Member Protect Checking Account. Member Protect Checking is limited to one per member (per membership). APY is accurate as of the last dividend declaration date. No minimum balance to open. Fees may reduce earnings on account. DIVIDEND RATES MAY CHANGE AFTER ACCOUNT IS OPENED. Dividends are earned from day of deposit to day of withdrawal, compounded and credited monthly. Federal regulations prohibit dividends in excess of available earnings.
**A qualifying Direct Deposit is an electronic credit of your salary, pension, Social Security, or other regular monthly income deposited to your account by your employer or an outside agency. Transactions that do not qualify as a Direct Deposit include, but are not limited to, transfers from one account to another, deposits from an internet payment service, and deposits made at an ATM. ***To qualify, debit card transactions must process, post, and clear within the calendar month. Minimum purchase transaction is $1.00. Debit card transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Both PIN and signature POS transactions qualify. ATM transactions do not qualify. |
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| Minimum Balance | Dividend Rate | Annual Percentage Yield | Alert Me |
|---|---|---|---|
| No Minimum Balance | 0.05% | 0.05% | |
| Dividends are earned from day of deposit to day of withdrawal, compounded and credited monthly. Federal regulations prohibit dividends in excess of available earnings. Fees may reduce earnings on account. APY is accurate as of the last dividend declaration date. DIVIDEND RATES MAY CHANGE AFTER ACCOUNT IS OPENED. | |||
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Savings Account Rates
Table data for Regular Shares Effective 12-22-2024
Minimum Balance
Dividend Rate
Annual Percentage Yield
Alert Me
$5
0.25%
0.25%
The dividend rate and the annual percentage yield may change every month. Dividends will be compounded every quarter and credited to your account every quarter. Federal regulations prohibit dividends in excess of available earnings. Fees may reduce earnings on the account. APY is accurate as of the last dividend declaration date.
DIVIDEND RATES MAY CHANGE AFTER ACCOUNT IS OPENED.
Table data for U Educate Summer Savings Account Effective 12-22-2024
Minimum Balance
Dividend Rate1
Annual Percentage Yield
Alert Me
$0 to $10,000.00
1.99%
2.00%
$10,000.01 and above
0.25%
0.25%
The dividend rate and the annual percentage yield may change every month. Dividends will be compounded every quarter and credited to your account every quarter. Federal regulations prohibit dividends in excess of available earnings. APY is accurate as of the last dividend declaration date. Fees may reduce earnings on the account.
- 1Dividend rates may change after account is opened.↵
Savings Account Rates
| Minimum Balance | Dividend Rate | Annual Percentage Yield | Alert Me |
|---|---|---|---|
| $5 | 0.25% | 0.25% | |
| The dividend rate and the annual percentage yield may change every month. Dividends will be compounded every quarter and credited to your account every quarter. Federal regulations prohibit dividends in excess of available earnings. Fees may reduce earnings on the account. APY is accurate as of the last dividend declaration date. DIVIDEND RATES MAY CHANGE AFTER ACCOUNT IS OPENED. | |||
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| Minimum Balance | Dividend Rate1 | Annual Percentage Yield | Alert Me |
|---|---|---|---|
| $0 to $10,000.00 | 1.99% | 2.00% | |
| $10,000.01 and above | 0.25% | 0.25% | |
| The dividend rate and the annual percentage yield may change every month. Dividends will be compounded every quarter and credited to your account every quarter. Federal regulations prohibit dividends in excess of available earnings. APY is accurate as of the last dividend declaration date. Fees may reduce earnings on the account. | |||
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Money Market Account Rates
Table data for Money Market Accounts Effective 12-22-2024
Money Market Account Types
Minimum Balance
Dividend Rate1
Annual Percentage Yield
Alert Me
Tiered Money Market2
Alert Me
$0 to $2,499.99 (fee applies)
0.35%
0.35%
$2,500 to $14,999.99
0.35%
0.35%
$15,000 to $24,999.99
0.40%
0.40%
$25,000 to $49,999.99
0.50%
0.50%
$50,000 to $99,999.99
0.75%
0.75%
$100,000 and above
1.00%
1.00%
Tiered Money Market IRA3
Alert Me
$100 to $14,999.99
0.35%
0.35%
$15,000 to $24,999.99
0.40%
0.40%
$25,000 to $49,999.99
0.50%
0.50%
$50,000 to $99,999.99
0.75%
0.75%
$100,000 and above
1.00%
1.00%
High Yield Money Market Account4
Alert Me
Up to $74,999.99
0.00%
0.00%
$75,000 - $124,999.99
1.00%
1.00%
$125,000 - $199,999.99
1.25%
1.25%
$200,000 - $499,999.99
1.49%
1.50%
$500,000 - $749,999.99
1.99%
2.00%
$750,000 and up
2.23%
2.25%
Fees may reduce earnings on the account.
APY is accurate as of the last dividend declaration date.
- 1Dividend rates may change after account is opened.↵
- 2Tiered Money Market: Minimum opening deposit of $2,500; $10 monthly fee if balance falls below $2,500.↵
- 3Tiered Money Market IRA: Minimum balance $100; subject to state and federal rules and penalties, as applicable.↵
- 4New money requirement - At least 50% of the opening deposit must come from funds not already on deposit with APGFCU↵
Money Market Account Rates
| Money Market Account Types | Minimum Balance | Dividend Rate1 | Annual Percentage Yield | Alert Me |
|---|---|---|---|---|
| Tiered Money Market2 | Alert Me | |||
| $0 to $2,499.99 (fee applies) | 0.35% | 0.35% | ||
| $2,500 to $14,999.99 | 0.35% | 0.35% | ||
| $15,000 to $24,999.99 | 0.40% | 0.40% | ||
| $25,000 to $49,999.99 | 0.50% | 0.50% | ||
| $50,000 to $99,999.99 | 0.75% | 0.75% | ||
| $100,000 and above | 1.00% | 1.00% | ||
| Tiered Money Market IRA3 | Alert Me | |||
| $100 to $14,999.99 | 0.35% | 0.35% | ||
| $15,000 to $24,999.99 | 0.40% | 0.40% | ||
| $25,000 to $49,999.99 | 0.50% | 0.50% | ||
| $50,000 to $99,999.99 | 0.75% | 0.75% | ||
| $100,000 and above | 1.00% | 1.00% | ||
| High Yield Money Market Account4 | Alert Me | |||
| Up to $74,999.99 | 0.00% | 0.00% | ||
| $75,000 - $124,999.99 | 1.00% | 1.00% | ||
| $125,000 - $199,999.99 | 1.25% | 1.25% | ||
| $200,000 - $499,999.99 | 1.49% | 1.50% | ||
| $500,000 - $749,999.99 | 1.99% | 2.00% | ||
| $750,000 and up | 2.23% | 2.25% | ||
| Fees may reduce earnings on the account. APY is accurate as of the last dividend declaration date. |
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