Cost Savings Program Description: FREE membership to APGFCU, a member-owned credit union, committed to building strong families for a stronger community. With 15 locations in Harford and Cecil counties, APGFCU is a convenient financial resource for members, providing a full array of financial products and services. Embodying the credit union philosophy of people helping people, APGFCU offers free financial education seminars, workshops and online financial tools to help the members of its community achieve, prosper and grow.

Financial Services available include:

SAVE: Savings, Checking, Certificates, Youth Savings Accounts
BORROW: Auto Loans, Credit Cards, Personal Loans, Mortgages, Home Equity Loans and Lines of Credit, Manufactured Home Loans, Recreational Vehicle Loans, Credit Builder Loans
LEARN: Financial wellness webinars, tools and resources on topics such as Retirement Strategies, Home Buying, Paying for College, Budgeting, Managing Debt, Preventing Identity Theft and much more.

Specific Program benefit to members:

As a cooperative, we’re owned by our members, not stockholders. Our members’ best interests guide every product we offer and every decision we make. Since we’re not-for-profit, we reinvest all earnings for our members’ benefit. So, we can offer products and services with better rates and lower fees than traditionally available at other financial institutions. In addition to a full product offering, APGFCU provides members convenience through free Online and Mobile Banking, and a network of 55,000 surcharge-free ATMs worldwide.


New APGFCU members are eligible for a $200.00 bonus when they set up a qualifying checking account with qualifying direct deposit.


Members are able to take advantage of various loan programs, including our 80/20 Mortgage with 100% financing* and auto loans with no payment for 90 days**.


*Loans are available only on primary and secondary single-family residences or owner-occupied condominiums located in MD, DE, VA, PA, NJ and FL. **First payment may be deferred for 90 days. Interest will accrue from the date of loan disbursal and is due once payments begin. Deferred payment is not available for refinances of existing APGFCU auto loans. To take advantage of the deferred payments when refinancing from another lender, a minimum of 4 payments must have been made. Some restrictions apply. Not all applicants will qualify for the 90-day deferred payment. All loans are subject to credit approval. Equal housing lender. Federally insured by NCUA. Membership eligibility applies. Specific Program benefit to the Harford County Chamber: Sponsorship of Annual Economic Development Forum.