- Learning Hub
- Financial Education
- Security
- College Planning and Education Loans
- Benefit Programs
- Financial Resources for Educators
- Insurance
- Financial Wellness in the Community
- Articles & Resource Library
- Financial Calculators
- IRA - Individual Retirement Accounts
- Overdraft Protection Services
- How to Bank Remotely
- 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
Please be aware that APGFCU will never send you text messages containing links to our website or instructing you to log into online banking. If you receive a text message with a link to APGFCU's website, do not click on it. Instead, visit apgfcu.com or use the mobile app to access your online banking account.
Consumer Service Price List
Click here to download a printable version of the service price list.
Effective: February 15, 2025
Account Maintenance
- No Forwarding Address - $5.00 monthly
- Inactive Account (after 12 months of no activity) - $3.00 monthly
- Money Market Share Account - If balance falls under $2,500 - $10.00 monthly
- Stop Payment - Pre-Authorized and Checking - $29.00 each
- Stop Payment - Credit Union Checks - $29.00 each
- Stop Payment - Visa® Credit Card Convenience Check - $29.00 each
- Skip-a-Pay Fee - $35.00 each
- Closed Membership Account Within 60 Days of Opening - $15.00
- Visa Credit Card Cash Advance* - $2.00 per advance
- Items Sent for Collection - $20.00 each
- Reoccurring Electronic Loan Payment - Free
- Escheatment Fee - $50.00
*For additional information on Visa Credit Card Cash Advance, please refer to our Visa Cash Back Credit Card Agreement and Visa Credit Card Agreement.
Money Orders and Checks
- Money Orders - $2.00 each
- Money Order Void Fee - $29.00 each
- Certified Checks - $5.50 each
- Money Wires/Bank Wires
- Incoming - $10.00 each
- Outgoing - $25.00 each
- Outgoing International - $45.00 each
- Western Union Commercial Money Orders
- $0 - $10,000 - $20.00 each
- Each additional $10,000 - $20.00 each
International money order fees may vary.
- Credit Union Checks in Branch
- 1st Check - Free
- Additional checks - $5.00
- Out-of-Country Checks - Not Accepted
Document Copies
- Member - $5.00 per copy
- Non-Member - $5.00 per copy
Includes check copy, statement copy, account inquiries/history copy, photocopies, Visa sales slip copy, and other miscellaneous account information
Service and Research
- Balancing Checkbook - $15.00 per hour
- Account Research Time - $5.00 per 15-minute intervals
- Legal Attachments to Account - $100.00 minimum
- Non-Member Cashing APGFCU® Check - $5.00
Coin Counting Machines
- Members 18 and over - 2% of amount counted
- Members under 18 - No charge up to $50 (2% of amount counted over $50)
- Non-Member - 9% of amount counted
Safe Deposit Boxes
- Safe Deposit Box Rental (where available) - prices start at $50.00
- Silver Level Benefit - 25% Discount
- Gold Level Benefit - 50% Discount
- Safe Deposit Box Late Fee - $10.00 per month
- Lost Key(s)/Lock Replacement - $25+ Drilling Contractor Fees*
*Contact us for an estimate on drilling contractor fees as prices may vary.
Checking and Debit Card Overdraft
- Share Protection Fee - $10.00 per day
- Visa Credit Card Protection Fee (APGFCU) - $5.00 per day
- Easy Cash Protection Fee - $5.00 per day
- Courtesy Pay†
- Standard Courtesy Pay (Check, ACH, & Other Transactions*) - $32.00 per item
- Extended Courtesy Pay (One-Time Debit Card Transactions**) - $32.00 per day
- Non-Sufficient Funds* - $32.00 per item
- Returned Check - $20.00 per item
†Please refer to our All About Your Accounts agreement for additional information on our Courtesy Pay program.
*Note: Items may be re-presented if there are insufficient funds. Fees are charged each time an item is presented.
**Must opt-in to receive this service.
Replace Lost Cards or PINs
- Visa Debit Card - $7.50 each
- Visa Debit Rush Card Replacement - $35.00 each
- Visa Credit Cards - $7.50 each
- Visa Credit Card Rush Replacement - $35.00 each
- Member Select PINs - Free
ATM Activity
- APGFCU and Allpoint Network ATM Transactions/Inquiries - Free
- Non-APGFCU/Allpoint Network ATM Transactions:
- Account-to-Account Transfer - $1.50 each
- Withdrawals - $1.50 each
- Bronze Level Benefit - $1.25 each
- Silver Level Benefit - $1.00 each
- Gold Level Benefit - Free
- Balance Inquiries - $1.00 each
- Bronze Level Benefit - 75¢ each
- Silver Level Benefit - 50¢ each
- Gold Level Benefit - Free
- Surcharge* (Allpoint Network) - None
- Surcharge* (non-Allpoint Network) - determined by ATM owner
- ATM Deposit Misuse Fee - $50.00 each
*Fees may be charged by the company that owns the ATM (called a surcharge). If there is a surcharge, the fee amount will be displayed on the ATM screen, and you have the option to cancel the transaction if you do not want to pay the fee.
Online Services
- Online Banking - Free
- Online Statements - Free
- Phone Banking - Free
- Mobile Banking* - Free
- Bill Pay - Free
- Bill Pay Stop Payment - $25.00 each
- Bill Pay Check Copy - $5.00 each
- Bill Pay Overnight Check - $14.95 each
- Bill Pay Same-Day Payment - $9.95 each
- Standard External Transfer- Free
- Next-Day External Transfer- $5.00 each
- Mailed Paper Statement (Excludes Loan and Visa statements) - $2.00
*Your mobile or internet provider may apply data or usage charges. Please contact your carrier for more information.
Notary Services
- Member - Free
- Non-Member - Not available