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.
APGFCU offers savings, money market, youth, and club accounts — as well as retirement and education options — all with competitive dividend rates. Savings accounts, also known as share accounts, are the foundation of the credit union and your membership.
Learn more about how your funds at APGFCU are insured.
Account Highlights
Annual Percentage Yield
0.25%*
Dividends are compounded and credited quarterly on the daily balance.
*See all saving rates, terms and disclosures.
**A $5 minimum is required to earn dividends.
Account Highlights
Annual Percentage Yield as high as
1.00%*
Dividends are compounded and credited monthly.
For balances $100,000 and above.
*See all rates, tiers and disclosures.
Account Highlights
Annual Percentage Yield as high as
2.25%*
Dividends are compounded and credited monthly.
For balances $750,000 and above.
*See all saving rates, tiers and disclosures.
To open a High Yield Money Market account call us at 800-225-2555 or schedule an appointment at one of our convenient branch locations.
Account Highlights
Annual Percentage Yield as high as
0.25%*
Dividends are compounded and credited quarterly on the daily balance.
*See all savings rates, terms and disclosures.
Account Highlights
Start saving for your child's college tuition and watch your money grow, tax-free.1
Account Highlights
Save for your future while reducing your taxable income now.1
Required Minimum Distribution (RMD) Options:
If you are required to take an annual RMD, you may opt to donate all or a portion of your distribution to a qualified charity as defined by the IRS. To learn more about this option, visit https://www.irs.gov/retirement-plans.
When completing the IRA Withdrawal form, you may indicate if you would like a check payable to a charity. The annual 1099-R form that reports your distributions does not specifically designate charitable distributions. Please seek the guidance of a tax advisor or accountant for tax filing.
1Please consult your tax advisor.
Account Highlights
Watch your after-tax retirement savings contributions grow, tax-free.1
1Please consult your tax advisor.
See our FAQs below or call our Member Service Center at 410-272-4000 (800-225-2555).
To request a new IRA online, start by visiting the APGFCU IRA Service Center, which will provide you with the required forms to open a new IRA. Once you have selected your IRA product and printed or saved the required forms, you can submit the request using our IRA Secure Form.
Access our IRA Service Center to print and sign the appropriate form to service your existing IRA. You may return the form to APGFCU in any of the following ways:
You can also call our Member Service Center at 410-272-4000 (800-225-2555) to request a withdrawal.
An IRA transfer occurs between retirement accounts of the same type. For example, moving funds from an IRA at one bank to an IRA at another bank would be an IRA transfer.
Alternatively, an IRA rollover occurs between two different types of retirement accounts. For example, moving funds from a prior employer-sponsored retirement plan into an IRA would be an IRA rollover. With an IRA rollover, you can preserve the tax-deferred status of your retirement assets.
You may request the beneficiary forms in the APGFCU IRA Service Center. Once your forms are ready, you may submit them through our IRA Secure Form.
IRS Form 5498 reports IRA contributions (including any catch-up contributions), rollovers, Roth IRA conversions, required minimum distributions (RMDs), and the fair market value (FMV) of the account. This form is submitted to the IRS by APGFCU. You may also obtain a copy of your 5498 form through Online Banking or the mobile app after May 31 of each year.
A Form 5498 will be sent for each IRA Tax Plan.
For example, if you have multiple Traditional IRAs but the beneficiary election is the same on each, only one tax plan would be established and only one Form 5498 will be sent. However, for every different beneficiary election, a new tax plan will be established and you will receive a Form 5498 for each tax plan.
Required minimum distribution (RMD) reporting will also be reflected on this year’s Form 5498. Please be aware that if you receive more than one Form 5498 and are required to take a minimum distribution for 2024, the sum of all Form 5498 RMD amounts will total the required minimum distribution amount on your required minimum distribution notification.
IRA Form 5498 is mailed no later than May 31 of each year.
To obtain the required forms to complete your RMD request, access our IRA Service Center to print and sign the appropriate form. You may return the form to APGFCU in any of the following ways:
You can also call our Member Service Center at 410-272-4000 (800-225-2555).
APGFCU is required by law to notify IRA holders that an RMD must be taken regardless of the withdrawal method.
If you do not immediately need the funds, you can reinvest the funds you withdraw from your IRA into a Required Minimum Distribution Certificate to continue growing your savings. You’ll get the same rate and maturity date as the IRA.
For more information on RMDs, visit the IRS website.
For more information or help with savings, retirement or education accounts...