APG Federal Credit Union (APGFCU): Empowering Since 1938

Since its founding in 1938, APG Federal Credit Union (APGFCU) has been a strong support system for military families and members in Harford County, Maryland. Since its beginnings many years ago, it has grown from a small credit union to a full-service financial company that provides many options to its members.

History and Mission of APG Federal Credit Union

Origins and Evolution

When APGFCU was started, its main goal was to help military people stationed in the Aberdeen Proving Ground area with their money problems. Over time, it has changed the requirements for participation to include a wider range of people. However, it has not changed its dedication to meeting the needs of military members.

Mission and Values

APGFCU’s purpose and values, which stress the importance of being thrifty, fair, and part of a community, are at the heart of how it works. As a not-for-profit cooperative, its only goal is to serve the best interests of its members, not to make as much money as possible. The credit union makes all of its decisions and takes all of its actions with the members in mind.

Member-Centric Approach

Not-for-Profit Structure

APGFCU is not like other banks, which are run to make money for their owners. Instead, it is a not-for-profit cooperative. This means that any extra money the credit union makes is put back into the business to help its members. Members get lower fees, better rates, and more personalized service as a result.

Customized Financial Products

It is proud that APGFCU offers a wide range of financial goods and services that are specifically designed to meet the needs of each member. Members have access to tools that can help them reach their financial goals, such as savings accounts, loans, insurance, and investment choices. Because the credit union is flexible, each member gets individual help and advice at every step of the way.

Financial Education and Support

Online Tools

These days, knowing about money is more important than ever. APGFCU gives its members access to many online tools and resources that can help them make smart choices about their money. These tools, like budgeting apps and retirement planning programs, give members the power to manage their money from the comfort of their own homes.

In-Person Workshops

In addition to online resources, APGFCU hosts regular workshops and seminars on a variety of financial topics. These events provide members with the opportunity to interact with financial experts, ask questions, and learn from real-life experiences. Whether it’s buying a home, planning for retirement, or managing debt, these workshops offer practical advice and guidance to help members navigate complex financial decisions.

Personalized Financial Counseling

APGFCU gives personalized financial counseling services to members who would rather plan their finances with more hands-on help. Advisors with a lot of experience work closely with members to look at their finances, figure out their goals and objectives, and come up with custom plans to help them reach their financial goals. Members get the help and advice they need to make smart financial decisions during these one-on-one meetings. They can make a budget, pay off debt, or plan for the future.

Financial Performance

Asset Management

With assets totaling over $2.2 billion, APGFCU is a financially stable and secure institution. Its conservative approach to asset management ensures that members’ funds are safeguarded while also generating returns to support the credit union’s operations and growth. By maintaining a strong financial position, APGFCU can continue to provide value-driven solutions to its members for years to come.

Shares and Loans

As of the latest financial report, APGFCU manages shares worth over $2 billion and extends loans totaling over $1.7 billion. These figures underscore the credit union’s commitment to meeting the diverse financial needs of its members. Whether it’s financing a home, purchasing a car, or funding education expenses, APGFCU offers competitive rates and flexible terms to help members achieve their goals.

Community Engagement

Local Roots and Decision-Making

As a community-focused institution, APGFCU maintains deep roots in the local area. Its board of directors and executive leadership team are comprised of members who understand the unique needs and priorities of the community. This local presence enables APGFCU to make decisions that are in the best interest of its members, ensuring that their voices are heard and their needs are met.

Social Responsibility Initiatives

Beyond its core mission of serving members, APGFCU is committed to giving back to the community through various social responsibility initiatives. Whether it’s supporting local charities, sponsoring community events, or promoting financial literacy programs, the credit union strives to make a positive impact on the communities it serves. By investing in the well-being of the community, APGFCU reinforces its commitment to building a brighter future for all.


In conclusion, APG Federal Credit Union stands as a trusted financial partner for military personnel, families, and residents of Harford County, Maryland. With its member-centric approach, commitment to financial education, and dedication to community service, APGFCU continues to empower its members to achieve their financial goals and build a better future for themselves and their families.


What is the membership eligibility criteria for APG Federal Credit Union?

It’s membership is open to individuals who live, work, worship, volunteer, or attend school in Harford or Cecil County, Maryland.

Does APGFCU offer mobile banking services?

Yes, it provides mobile banking services, allowing members to access their accounts, make transfers, and pay bills conveniently from their smartphones.

Are there any fees associated with becoming a member of APGFCU?

There are no membership fees at APGFCU. Members may need to maintain a minimum balance in certain accounts or pay nominal fees for specific services.

How does APGFCU ensure the security of members’ financial information?

APGFCU employs state-of-the-art security measures to protect members’ financial information, including encryption, firewalls, and multi-factor authentication.

Can members access their accounts at ATMs outside of the APGFCU network?

Yes, APGFCU is part of the CO-OP ATM network, allowing members to access their accounts surcharge-free at thousands of ATMs nationwide.

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