APG FCU's (MD) 48-Month CD Skyrockets


Deal Summary: 48-59 month CD, 2.80% APY, $100 minimum deposit.

Availability: Residents of Cecil and Harford Counties, Maryland, and certain census tracts of Middle River, Maryland.

Earlier this week, APG Federal Credit Union (APGFCU) added 185 bps to its 48-59 month CD, upping the APY to 2.80%. Like most of APGFCU’s CDs, the 48-59 month CD can be opened with a $100 minimum deposit; there is no stated balance cap.

If the “APG” name sounds familiar, it may be because Aberdeen Proving Ground Federal Credit Union recently re-branded as APG Federal Credit Union.

3.00%$100-APG Federal Credit Union (APGFCU)48 Month CD
3.00%$100-APG Federal Credit Union (APGFCU)48 Month IRA (Traditional, Roth, CESA, SEP)
Rates as of November 17, 2018.

The 48-59 month CD is also available as an IRA (Traditional, Roth, CESA, and SEP) earning the same APY, with the same funding requirements.

DA began tracking the 48-59 month CD in 2011 when the APY was 1.75%. The next three years saw a steady rate decline, with the 48-59 month CD eventually settling at 0.65% APY in April 2014, where it remained for two years.

According to CSR, the Early Withdrawal Penalty (EWP) for CDs with terms of 17 months or less is 90 days interest; CDs with terms of 18 months or greater will incur an EWP of 180 days interest.

Thanks to DA reader, marcal, for his Forum post about this hot deal.


Headquartered in Edgewood, Maryland, APG Federal Credit Union’s field of membership (FOM) is residency-based, with individuals who live, work, worship, attend school, or volunteer in Cecil or Harford Counties, or certain areas of Middle River (based on census tracts) eligible for membership.

Immediate family members and household members of a current member or a credit-union-eligible individual also qualify for membership.

Joining APGFCU and/or opening a CD can be done online, or at any of eleven Maryland branches located in Aberdeen, Aberdeen Proving Ground, Bel Air (3), Edgewood, Elkton (2), Fallston, Forest Hill, and Havre de Grace.

Credit Union Overview

APG Federal Credit Union has an overall health grade of "A" at DepositAccounts.com, with a Texas Ratio of 7.04% (excellent) based on December 31, 2017 data. In the past year, APGFCU has increased its total non-brokered deposits by $55.51 million, an excellent annual growth rate of 5.32%. Please refer to our financial overview of APG Federal Credit Union (NCUA Charter # 2540) for more details.

Formerly known as the Aberdeen Proving Ground Federal Credit Union, APG Federal Credit Union was established in 1938 by a small group of Aberdeen Proving Ground (APG) employees. (APG is the U.S. Army's oldest active proving ground, established on October 20, 1917, six months after the U.S. entered World War I.) The Credit Union’s first "home" was a single cash drawer in a small APG office. Through a charter change and subsequent FOM expansion, APGFCU has grown to be Maryland’s fifth largest credit union, with more than 125,200 members and assets in excess of $1.2 billion.

APGFCU also has the distinction of being one of the few credit unions that has an indoor arena bearing its name: APG Federal Credit Union Arena at Harford Community College in Bel Air, Maryland.

How the CD Compares

When compared to the 202 similar length-of-term CDs tracked by DepositAccounts.com that require a similar minimum deposit and are available within the FOM, APG Federal Credit Union’s 48-59 month CD currently ranks first.

The above rates are accurate as of 3/8/2018.

To look for the best nationwide CD rates and the best CD rates in your state, please refer to our CD Rates Table page.

Related Pages: Baltimore CD rates, 5-year CD rates

Aberdeen Proving Ground FCU (MD) 15-Month CD Promo Ending Soon
Availability: Residents of Cecil and Harford Counties, Maryland, and certain census tracts of Middle River, Maryland.

Aberdeen Proving Ground Federal Credit Union (APGFCU) is offering a 15-month CD (1.50% APY) that expires on March 31, 2016. The minimum deposit is $100, with no balance cap.

APGFCU also has a 25-month Step-Up CD (2.00% APY) that has no stated end date. The minimum deposit is $100, with no balance cap. (An earlier promotional version of the 25-month Step-Up CD did have a $5k balance cap, but according...

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8.00% 12-Month CD at a Maryland Credit Union - $1K Max (APGFCU)
APGFCU is offering a new-member special 8.00% APY 12-month certificate. The minimum and maximum deposit is $1,000. An active checking account is required. The CD is limited to the first 250 members.

You'll make about $40 more on this CD than a 4% CD over one year. Since it requires a checking account, this is almost like a checking account bonus.

Membership is open to those who live, work, worship, go to school, volunteer in, or are an immediate family member of anyone in Harford or Cecil County or certain areas in...

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