Great Rates, More Savings

New and Used Autos

4.99%APR*

Personal Loan (variable)

12.50%APR*

Home Equity Line of Credit

7.50%APR*

IRA MONEY MARKET

1.50%APY*

Whether you’re saving or borrowing, we offer competitive rates to help secure your financial goals.

View All Rates 

Howard County’s Community
Credit Union

As a not-for-profit credit union, we put our members first and strive to improve lives and make a positive impact in the community. Join today and experience the difference of banking with APL Federal Credit Union.

  • Lowest fees in town

  • Great Rates

  • Lots of Free Services

  • Winner of Best of Howard

Why APL FCU? Membership Application 
Star Star Star Star Star

The best credit union in Maryland. Very helpful and knowledgeable. They treat you like family and have the best rates out there.

M Dillon

More Testimonials 
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Bank Smarter with Member Resources

We’re here to help!
Access helpful guides, courses, and coaches to get you on track to meet your financial goals.

* APR = Annual Percentage Rate.  APY = Annual Percentage Yield. Rates effective as of 4.23.2025 and are subject to change without notice.