APG Federal Credit Union (APGFCU)

Overview / Commentary
1321 Pulaski Hwy
Edgewood, MD 21040

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 215th largest credit union in the nation. It was established in 1938 and as of September of 2022, it had grown to 350 employees and 152,067 members at 12 locations. APG Federal Credit Union (APGFCU)'s CD 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 live, work, worship, attend school, or volunteer in the Maryland counties of Baltimore, Cecil or Harford, or the City of Baltimore. Immediate family and household members of anyone eligible to join also qualify for membership.
See current membership details

Reviews (4)

Practically Perfect In Every Way

Posted by: |

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: |

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.

Makes The Loan Process MISERABLE

Posted by: |

Dealing with the home equity department is MISERABLE. Nobody answers their phone, returns messages, or acknowledges emails. I was forced to call the main customer service number and file a complaint before someone finally called me regarding my partially process home equity loan. The department continually gave me inaccurate information then changed their response after it was too late for me to do anything about it; resulting in over $2,500 of unexpected costs. So many things were done wrong that I can't even put them all in this review box!! When senior level executives were informed of the repeated errors and given an opportunity to rectify the situation they decided that one customer wasn't worth their time. As a result my husband I have both closed our accounts and moved to HarCo where they take the time to recognize individual clients.


Health Grade Components

NCUA #2540
Year Chartered1938
Primary Regulator
Profit Margin
Return on Assets - YTD0.64%
Return on Equity - YTD9.49%
Annual Interest Income$55.7MM
Assets and Liabilities
AssetsQ3 2022vs Q3 2021$2.08B$1.98B
LoansQ3 2022vs Q3 2021$1.58B$1.33B
DepositsQ3 2022vs Q3 2021$1.88B$1.77B
Equity CapitalQ3 2022vs Q3 2021$139.6MM$131.8MM
Loan Loss AllowanceQ3 2022vs Q3 2021$7.9MM$8.0MM
Unbacked Noncurrent LoansQ3 2022vs Q3 2021$8.3MM$5.1MM
Real Estate OwnedQ3 2022vs Q3 2021$0$99.00K
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* 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

2.00%*-$10kEducator Rewards Summer Savings
OTHER TIERS: 0.25% $10k+
0.25%$5-Regular Shares
0.25%$5-Business Regular Shares

APG Federal Credit Union (APGFCU) Money Market Rates

0.80%*$200k*-High Yield Money Market Account
OTHER TIERS: 0.40% $75k - $125k | 0.50% $125k - $200k
0.80%*$200k*-Business High Yield Money Market (50% new $ to open)
OTHER TIERS: 0.40% $75k - $125k | 0.50% $125k - $200k
0.35%*$25k*-Tiered Money Market
OTHER TIERS: 0.30% Up to $25k
0.35%*$25k*-Tiered Money Market IRA
OTHER TIERS: 0.30% $100 - $25k
0.35%*$25k*-Business Tiered Money Market
OTHER TIERS: 0.30% Up to $25k

APG Federal Credit Union (APGFCU) Checking Account Rates

3.25%*-$10kHigh Yield Checking
OTHER TIERS: 0.20% $10k+
0.45%*$25k*-Premium Business Checking
OTHER TIERS: 0.35% Up to $10k | 0.40% $10k - $25k
0.45%*$25k*-Not-For-Profit Checking
OTHER TIERS: 0.35% Up to $10k | 0.40% $10k - $25k
0.25%*$20k*-Member Protect Checking
OTHER TIERS: 0.05% Up to $10k | 0.15% $10k - $20k
0.05%--Checking Account
0.05%--Business Plus Checking
0.05%--Basic Business Checking

APG Federal Credit Union (APGFCU) CD Rates

3.95%$25k-84 Month Super CD
3.95%$100-84 Month Gold Member Rewards CD
3.95%$25k-Business 84 Month Super CD
3.90%$100-60 Month Gold Member Rewards CD
3.90%$25k-60 Month Super CD
3.90%$25k-Business 60 Month Super CD
3.85%$100-48 Month Gold Member Rewards CD
3.85%$25k-48 Month Super CD
3.85%$25k-Business 48 Month Super CD
3.83%$100-84 Month Silver Member Rewards CD
3.80%$100-36 Month MyTimes CD
3.80%$25k-30 Month Super CD
3.80%$25k-Business 30 Month Super CD
3.78%$100-60 Month Silver Member Rewards CD
3.73%$100-48 Month Silver Member Rewards CD
3.70%$100-84 Month CD
3.70%$100-Business 84 Month CD
3.65%$100-60 Month CD
3.65%$100-Business 60 Month CD
3.60%$100-48 Month CD
3.60%$100-Business 48 Month CD
3.55%$100-45 Month Step-Up CD
3.55%$100-30 Month CD
3.55%$100-Business 30 Month CD
3.55%$100-Business 45 Month Step-Up CD
3.50%$25k-24 Month Super CD
3.50%$25k-Business 24 Month Super CD
3.25%$100-18 Month CD
3.25%$100-24 Month CD
3.25%$100-Business 18 Month CD
3.25%$100-Business 24 Month CD
3.20%$100-25 Month Step-Up CD
3.20%$100-Business 25 Month Step-Up CD
2.35%$50k-12 Month Jumbo CD
2.35%$50k-Business 12 Month Jumbo CD
2.25%$100-12 Month MyTimes Plus CD
2.05%$100-12 Month CD
2.05%$100-Business 12 Month CD
1.60%$50k-6 Month Jumbo CD
1.60%$50k-Business 6 Month Jumbo CD
1.40%$100-6 Month CD
1.40%$100-Business 6 Month CD
1.10%$50k-3 Month Jumbo CD
1.10%$50k-Business 3 Month Jumbo CD

APG Federal Credit Union (APGFCU) IRA Rates

3.95%$25k-84 Month Super IRA
3.95%$100-84 Month Gold Member Rewards IRA
3.90%$100-60 Month Gold Member Rewards IRA
3.90%$25k-60 Month Super IRA
3.85%$100-48 Month Gold Member Rewards IRA
3.85%$25k-48 Month Super IRA
3.83%$100-84 Month Silver Member Rewards IRA
3.80%$25k-30 Month Super IRA
3.80%$100-36 Month MyTimes IRA
3.78%$100-60 Month Silver Member Rewards IRA
3.73%$100-48 Month Silver Member Rewards IRA
3.70%$100-84 Month IRA
3.65%$100-60 Month IRA
3.60%$100-48 Month IRA
3.55%$100-30 Month IRA
3.55%$100-45 Month Step-Up IRA
3.50%$25k-24 Month Super IRA
3.25%$100-18 Month IRA
3.25%$100-24 Month IRA
3.20%$100-25 Month Step-Up IRA
2.35%$50k-12 Month Jumbo IRA
2.35%$100-12 Month MyTimes Plus IRA
2.05%$100-12 Month IRA
1.60%$50k-6 Month Jumbo IRA
1.40%$100-6 Month IRA
1.10%$50k-3 Month Jumbo IRA


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