Overview / Commentary
1321 Pulaski Hwy
Edgewood, MD 21040-1502

APG Federal Credit Union (APGFCU) is headquartered in Edgewood and is the 5th largest credit union in the state of Maryland. It is also the 220th largest credit union in the nation. It was established in 1938 and as of December of 2018, it had grown to 329 employees and 130,062 members at 14 locations. APG Federal Credit Union (APGFCU)'s money market rates are 3X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in APG Federal Credit Union is open to those who reside, work, attend school, worship, or volunteer in Cecil or Hartford Counties, or select areas of Middle River, Maryland. Immediate family and household members may also be eligible.
See current membership details

Related Posts

APG Federal Credit Union Has 30-Month CD Special, 3.50% APY - 12/28/2018

APG Federal Credit Union (MD) is currently offering a 30-month CD Special, which earns 3.50% APY. Minimum opening deposit is $100 of new money.

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Reviews (3)

Practically Perfect In Every Way

Posted by: LB2 | Apr 27, 2016

I really only started banking here because my parents bank here, and opened a savings account in my name when I was a baby. So when I got my first job, it was just easier to stay with APGFCU. I opened a checking account, and so began my experience with the credit union as an adult.

And I've never regretted it! If I ever need help with anything, it doesn't take them long to pick up the phone. Or I can go into a branch and speak to someone. And they're always so friendly and helpful. Their online banking website is very well-designed and intuitive, too

My one gripe relates to the one time they weren't able to help me. I had a foreign check I needed to deposit, and they were not able to accept it. I had to open a savings account at Bank of America, THEN wait 30 days to deposit the check since I was a new customer. It's probably just because they're a smaller institution, and I don't hold it against them, but that was the only time APGFCU has failed me. In all other ways, they've been absolutely fab.

This Bank is your Partner

Posted by: NotherGuy | Nov 2, 2014

I love this credit union for a good amount of reasons. The biggest one being that they are truly partners with you. There has been and I believe never will be hidden fees on any of your accounts with them. Also, if you ever find yourself making a mistake they will work with you to help you get out of the hole. One specific reason I see this bank as a partner is their loan offerings. They are always willing to help you with any debt you have and to make it easier to manage at the lowest rates available. Not long ago I had a few things pile up which really started putting me into a debt hole. After 1 hour with them I had a consolidation loan with much more manageable payments that what I was dealing with prior. I can't say enough good things about them to let them know how much I appreciate the way they do business.

Great Bank

I have been a member of APGFCU for close to 15 years. The bank has been great. I have done many things through them, such as having both checking and savings accounts, auto loans, and personal loans. They have excellent customer service and they have several locations around the area. I love the customer service both through the phone and online. The online banking feature is very useful and I have not encountered any problems. The tellers at the locations are very friendly and helpful. I very much recommend APGFCU to anyone living or working in the area. The only down side of the local credit union is that they are only local. During travel, you do not really have a bank to visit.


Health Grade Components

NCUA #2540
Year Chartered1938
Primary Regulator
Profit Margin
Return on Assets - YTD0.92%
Return on Equity - YTD10.48%
Annual Interest Income$58.8MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$1.36B$1.24B
LoansQ4 2018vs Q4 2017$1.18B$1.06B
DepositsQ4 2018vs Q4 2017$1.21B$1.10B
Equity CapitalQ4 2018vs Q4 2017$117.4MM$104.0MM
Loan Loss AllowanceQ4 2018vs Q4 2017$8.8MM$8.8MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$8.4MM$7.4MM
Real Estate OwnedQ4 2018vs Q4 2017$137.00K$533.00K
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Always verify rates and promotions with the bank or credit union. We are not APG Federal Credit Union (APGFCU); we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

APG Federal Credit Union (APGFCU) Savings Account Rates

1.35%*-$10kEducator Rewards Summer Savings
OTHER TIERS: 0.35% $10k+
0.35%$5-Regular Shares

APG Federal Credit Union (APGFCU) Money Market Rates

1.25%*$200k*-High Yield Money Market Account
OTHER TIERS: 0.75% $75k - $125k | 1.00% $125k - $200k
0.50%*$25k*-Tiered Money Market
OTHER TIERS: 0.45% $2.5k - $25k
0.50%*$25k*-Tiered Money Market IRA
OTHER TIERS: 0.45% $100 - $25k

APG Federal Credit Union (APGFCU) Checking Account Rates

2.50%*-$10kHigh Yield Checking
OTHER TIERS: 0.15% $10k+
0.05%--Checking Account

APG Federal Credit Union (APGFCU) CD Rates

2.95%$25k-84 Month Super CD
2.95%$100-84 Month Gold Member Rewards CD
2.90%$100-60 Month Gold Member Rewards CD
2.90%$25k-60 Month Super CD
2.83%$100-84 Month Silver Member Rewards CD
2.80%$100-48 Month Gold Member Rewards CD
2.80%$25k-48 Month Super CD
2.78%$100-60 Month Silver Member Rewards CD
2.70%$100-84 Month CD
2.70%$100-36 Month MyTimes CD
2.70%$25k-30 Month Super CD
2.68%$100-48 Month Silver Member Rewards CD
2.65%$100-60 Month CD
2.55%$100-48 Month CD
2.50%$100-45 Month Step-Up CD
2.50%$25k-24 Month Super CD
2.45%$100-30 Month CD
2.40%$50k-12 Month Jumbo CD
2.30%$100-12 Month MyTimes Plus CD
2.25%$100-24 Month CD
2.20%$100-25 Month Step-Up CD
2.15%$100-18 Month CD
2.10%$100-12 Month CD
1.50%$50k-6 Month Jumbo CD
1.30%$100-6 Month CD
1.00%$50k-3 Month Jumbo CD

APG Federal Credit Union (APGFCU) IRA Rates

2.95%$25k-84 Month Super IRA
2.95%$100-84 Month Gold Member Rewards IRA
2.90%$100-60 Month Gold Member Rewards IRA
2.90%$25k-60 Month Super IRA
2.83%$100-84 Month Silver Member Rewards IRA
2.80%$100-48 Month Gold Member Rewards IRA
2.80%$25k-48 Month Super IRA
2.78%$100-60 Month Silver Member Rewards IRA
2.70%$25k-30 Month Super IRA
2.70%$100-36 Month MyTimes IRA
2.70%$100-84 Month IRA
2.68%$100-48 Month Silver Member Rewards IRA
2.65%$100-60 Month IRA
2.55%$100-48 Month IRA
2.50%$25k-24 Month Super IRA
2.50%$100-45 Month Step-Up IRA
2.45%$100-30 Month IRA
2.40%$50k-12 Month Jumbo IRA
2.30%$100-12 Month MyTimes Plus IRA
2.25%$100-24 Month IRA
2.20%$100-25 Month Step-Up IRA
2.15%$100-18 Month IRA
2.10%$100-12 Month IRA
1.50%$50k-6 Month Jumbo IRA
1.30%$100-6 Month IRA
1.00%$50k-3 Month Jumbo IRA


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