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.
It’s hard to find a checking account quite like Member Protect Checking. It protects your personal information and credit. It pays competitive rates on your balance. It gives you cash back on debit card purchases, and more.
Plus, you get everything for a monthly maintenance fee of only $6. However, we’ll waive the fee if:
$0 - $10,000
$10,000.01 - $20,000
Covers you and up to three generations of your family for financial and non-financial ID theft. A dedicated privacy advocate will manage your case until completion, with no time limit. With more than 30 types of identity fraud reported to the Federal Trade Commission, this service protects you against the many threats you may never have considered.
Covers out-of-pocket expenses incurred by you during the recovery of your identity up to $25,000 with no deductible. These expenses may include attorney’s fees, mailing expenses, fees for notarizing affidavits and documents, and lost wages due to time off from work to fight the identity fraud.
Provides cash reimbursement up to $250 after a $50 deductible for repairs or replacement due to accidental damage or mechanical failure. Pre-registration is not required and this coverage can apply to both your new and used cell phones and smartphones.• One claim per 12-month period• 30-day waiting period after coverage start date• Primary account holder may file a claim on any mobile phone on his or her phone plan
Monitors for new activity that might appear on your credit report, including credit inquiries, new credit lines, derogatory credit, name changes and address changes. Email alerts and optional text alerts are available. TransUnion® monitoring begins when registration is completed. Monitoring may be extended at any time to all three bureaus — Experian®, Equifax® and TransUnion®— with identity authentication.
A consolidated, three-bureau credit report and score with Experian®, Equifax® and TransUnion® is available annually on demand to help you benchmark your credit standing and uncover pre-existing credit issues.
Credit reports and scores are available daily and on demand. Allows you to benchmark your credit standing and uncover pre-existing credit issues.
Lock and unlock your TransUnion® credit report online to prevent unauthorized access to your credit report.
Should an item appear on your TransUnion® credit report that isn’t an indication of potential fraud but is inaccurate, you can request a correction through the online portal, which goes straight to TransUnion® for processing.
Trained privacy advocates walk you through the process of efficiently freezing your credit reports with all three major credit bureaus.
Continuously tracks criminal networks, black market forums, phishing networks and exploited websites using sophisticated technology and human spies. Alerts you if your personal information has been compromised by the Dark Web. Provides easy, secure online storage of your credentials for retrieval in the event of theft of a purse or wallet, or home disaster.
Sends you alerts if someone is using your identity to conduct a high-risk transaction at hundreds of participating banks, brokerages, cellular providers and more. Alerts may include illicit password resets, account management changes, and fraudulent money transfers.
Keeps tabs on your Facebook, Instagram, LinkedIn and Twitter accounts watching for vulgarity, threats, explicit content, and violence. Sends alerts if it looks like someone has taken over your account and is posting unsavory material.
Scans for malicious use of your IP addresses and alerts you if they have been compromised.
Assists you in opting in or out of the National Do Not Call Registry, credit offers, and junk mail.
Access your Member Protect monitoring services
Learn about CheckArmor®- free with your purchase of checks.
Truth in Savings Disclosure
1Annual Percentage Yield (APY) as of 4/22/19 and accurate as of last dividend declaration date. Accounts with average daily balances of $0 - $10,000 will earn an APY of 0.05%, accounts with average daily balances of $10,000.01 - $20,000 will earn an APY of 0.15%, and accounts with average daily balances of $20,000.01+ will earn an APY of 0.25%. The rate may change after account opening. No minimum balance to open account. Fees may reduce earnings on account. Member Protect Checking is limited to one per member (per membership). The 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. 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. 2To qualify, debit card transactions must process, post, and clear within the calendar month. Minimum debit card 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.3Identity Theft Protection policy limitations and disclosures provided to you upon account opening. Credit monitoring, report, and scores require activation and are applicable to individuals age 18 and older who have a valid credit file. Credit monitoring, reports, and scores are provided by TransUnion®, subject to change. Activation and identity authentication is required the first time you obtain your report and score, to set up monitoring, and to access your annual Tri-Bureau Credit report and score. The credit score provided may not be consistent with the credit score model used by a lender, and therefore cannot be relied upon to determine creditworthiness for any particular loan opportunity. 4Reimbursement Insurance is underwritten by Lyndon Southern Insurance, a member of the Fortegra family of companies. The information provided is a program summary. Please refer to the Identity Theft Expense Reimbursement Evidence of Coverage forms for additional information including details of benefits, specific exclusions, terms, conditions, and limitations of coverage. Coverage is currently not available to residents of the state of New York and may not be available in other U.S. territories or jurisdictions in the future. 5Mobile Device Protection has an annual benefit of $250 and a $50 deductible. Mobile Device Protection policy limitations and disclosures provided to you upon account opening. No pre-registration is required and the benefit applies to both new and used cell phones and smartphones with a waiting period of 30 days after the coverage start date. You may file one claim per 12-month period. Certain terms, conditions and limitations apply to these benefits, so it is important that you carefully review the “Mobile Device Coverage Member Services Agreement” on our website. 6Monitoring services require activation. Membership eligibility applies.