Unlock the Power of APGFCU Online and Mobile Banking

APGFCU’s online and mobile banking solutions offer just that – a secure and convenient way to access your accounts from the comfort of your own device. Whether you’re on the go or at home, APGFCU makes it easy to stay in control of your financial well-being.

Seamless Login and Secure Access

Logging In with Ease

Getting started with APGFCU online and mobile banking is a breeze. Simply enter your login ID and password, then click the “Login” button. From there, you’ll be prompted to select the target where you’d like to receive a secure access code. This added layer of security ensures that only you can access your account, providing peace of mind and protecting your sensitive information.

Secure Access Code Delivery

Once you’ve selected the target for your secure access code, enter the code in the provided box and click “Submit.” This process verifies your identity and grants you secure access to your APGFCU accounts, allowing you to conduct your banking transactions with confidence.

Changing Your Password

For an added layer of security, APGFCU requires you to change your password during your first-time login. Enter your current password, then create a new password that meets the specified requirements. Re-enter the new password in the “Confirm Password” field and click “Submit” to complete the process.

First-Time Login Disclaimer

Before you can finish the first-time login process, you’ll need to review and accept the APGFCU first-time login disclaimer. This important document outlines the terms and conditions of using APGFCU’s online and mobile banking services, so be sure to read it carefully and click “I accept” to proceed.

Registering Your Device

For added convenience and security, APGFCU allows you to register your device for future access to digital banking. If you’re using a private computer that you’ll regularly use to access your accounts, select the “Register this device” option. This will streamline the login process for subsequent visits, saving you time and effort.

Public Computer Considerations

If you’re using a public computer, such as one in a library or internet café, it’s important to select the “Do not register this device” option. This ensures that your sensitive information remains secure and prevents unauthorized access to your APGFCU accounts from that particular device.

Unlocking the Power of APGFCU Digital Banking

With APGFCU’s online and mobile banking solutions, you can take control of your finances like never before. From seamless login and secure access to flexible device registration, APGFCU provides the tools and features you need to manage your money with confidence, anytime and anywhere.

Whether you’re checking your account balances, transferring funds, or paying bills, APGFCU’s digital banking platform puts the power in your hands. Unlock the full potential of your financial well-being with APGFCU – your trusted partner in banking.

Discover the Difference: Why APG Federal Credit Union is the Financial Partner You Need

Empowering Financial Wellness Through Membership

In today’s complex financial landscape, finding the right financial institution can make all the difference in achieving your goals. APG Federal Credit Union (APGFCU) stands out as a unique and member-focused organization dedicated to empowering its community. As one of the largest credit unions in Maryland, APGFCU has been serving the region for over 85 years, providing a refreshing alternative to traditional banks.

Credit Unions vs. Banks: Understanding the Difference

While banks and credit unions may appear similar on the surface, there are fundamental differences that set them apart. Credit unions, like APGFCU, are not-for-profit organizations, whereas banks are for-profit entities. This structural difference has a significant impact on how these financial institutions operate and serve their members.

Ownership and Governance

Banks are typically owned by shareholders, who are primarily focused on maximizing profits. In contrast, credit unions are owned by their members, who are also the account holders. This member-owned structure means that credit unions reinvest their earnings back into the organization, benefiting their members through better rates, lower fees, and more personalized services.

Putting Members First

As member-owned institutions, credit unions are driven by a mission to serve their communities, not to generate profits for shareholders. This member-centric approach is reflected in the services and products offered by APGFCU, which are designed to meet the unique financial needs of its members.

Joining the APGFCU Family

Becoming a member of APGFCU is easy and accessible. Unlike traditional banks, APGFCU’s membership is open to anyone who lives, works, worships, volunteers, or attends school in Harford, Cecil, or Baltimore counties, as well as Baltimore City. This inclusive membership policy allows more individuals and families to benefit from the credit union’s offerings.

Empowering Financial Wellness

At the heart of APGFCU’s mission is a commitment to helping its members achieve financial wellness and prosperity. The credit union offers a comprehensive suite of products and services tailored to meet the diverse needs of its members, from savings and checking accounts to a wide range of loan options.

Personalized Financial Guidance

APGFCU understands that financial education is the key to empowering its members. The credit union’s dedicated financial education department provides a range of resources, including free webinars, workshops, and one-on-one counseling, to help members navigate their financial journeys. From budgeting and credit building to homebuying and retirement planning, APGFCU’s experts are there to guide members every step of the way.

Investing in the Community

APGFCU’s commitment to its members extends beyond the financial realm. The credit union is deeply invested in the communities it serves, supporting local non-profit organizations and initiatives that address critical needs. Through partnerships with organizations like Habitat for Humanity, APGFCU demonstrates its belief that financial wellness is inextricably linked to the well-being of the entire community.

Joining the APGFCU Difference

As you navigate the financial landscape, consider the unique advantages of becoming a member of APGFCU. By joining this member-owned, not-for-profit institution, you’ll gain access to personalized financial services, expert guidance, and a community-focused approach that sets APGFCU apart. Discover the difference that APGFCU can make in your financial journey and unlock a world of possibilities.


In a world where financial institutions often prioritize profits over people, APGFCU stands as a beacon of hope for those seeking a more empowering and community-driven approach to their financial well-being. By embracing the credit union difference, APGFCU members can enjoy the benefits of better rates, lower fees, and a genuine commitment to their financial success. Join the APGFCU family and experience the transformative power of member-owned banking.


Q: How does APGFCU ensure the safety and security of my funds?

A: APGFCU ensures the safety and security of your funds through federally insured accounts backed by the National Credit Union Administration (NCUA). Your deposits are protected up to $250,000 under the National Credit Union Share Insurance Fund. Additionally, as a not-for-profit financial cooperative, APGFCU operates with the best interests of its members in mind, focusing on financial wellness rather than maximizing profits for shareholders.

Q: What sets APGFCU apart from traditional banks?

A: APGFCU is fundamentally different from traditional banks in that it operates as a not-for-profit financial cooperative. This means that instead of maximizing profits for shareholders, APGFCU prioritizes the financial wellness of its members. Members have democratic control over the cooperative, with equal voting rights regardless of deposit amounts. Furthermore, APGFCU adheres to moral, economic, and operational standards rooted in its 85-year history of serving members and communities.

Q: How does APGFCU contribute to community development?

A: APGFCU is deeply committed to community development and support. As a cooperative, APGFCU exists primarily for the benefit of its members, but it also maintains a strong association with and active involvement in local communities. Through initiatives aimed at improving financial literacy, providing educational resources, and supporting local organizations and causes, APGFCU demonstrates its dedication to enhancing the well-being of both its members and the broader community.

Q: What recognition has APGFCU recently received from Forbes? 

APGFCU has been acknowledged by Forbes magazine as Maryland’s top credit union for the fourth consecutive year.

Q: How were the rankings determined by Forbes? 

 The rankings were based on comprehensive consumer surveys conducted nationwide by Forbes in partnership with Statista. Participants provided feedback on various aspects of their banking experiences, including trust, transparency, terms and conditions, branch and digital services, customer service, and financial advice.

Q: What sets APGFCU apart from other credit unions? 

 APGFCU distinguishes itself by prioritizing its members and empowering them with financial knowledge and tools aimed at wealth accumulation and protection. Placing member-owners at the forefront of its operations has enabled APGFCU to consistently rank among the best.

Q: How many credit unions achieved best-in-state rankings according to Forbes? 

Out of the numerous credit unions nationwide, only 147 were recognized by Forbes as best-in-state, highlighting the exceptional performance and service of these institutions.

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