12 Months for 4.25% APY* !
Our Certificates of Deposit (CDs) offer a safe and reliable way to get guaranteed returns, helping to maximize your money.
Apply for a VISA Rewards Card Today!
Earn more and pay less with our Rewards Credit Card. Get 1.5% cash back on purchases and enjoy a low interest rate—nearly half the national average.
Not a Member? Join Today!
As Howard County’s Community Credit Union, APL FCU is open to anyone who lives, works, attends school or regularly conducts business in the county.
Financial Education with Banzai!
In-depth lessons and resources to help you dive into the financial topics you care most about.
Apply for a VISA Rewards Card Today!
Earn more and pay less with our Rewards Credit Card. Get 1.5% cash back on purchases and enjoy a low interest rate—nearly half the national average.
Apply for a VISA Rewards Card Today!
Earn more and pay less with our Rewards Credit Card. Get 1.5% cash back on purchases and enjoy a low interest rate—nearly half the national average.
12 Months for 4.25% APY* !
Our Certificates of Deposit (CDs) offer a safe and reliable way to get guaranteed returns, helping to maximize your money.
Apply for a VISA Rewards Card Today!
Earn more and pay less with our Rewards Credit Card. Get 1.5% cash back on purchases and enjoy a low interest rate—nearly half the national average.
Not a Member? Join Today!
As Howard County’s Community Credit Union, APL FCU is open to anyone who lives, works, attends school or regularly conducts business in the county.
Financial Education with Banzai!
In-depth lessons and resources to help you dive into the financial topics you care most about.
Routing Number #255077998
Apply for a VISA Rewards Card Today!
Earn more and pay less with our Rewards Credit Card. Get 1.5% cash back on purchases and enjoy a low interest rate—nearly half the national average.
Home | POD/Beneficiary
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As Howard County’s Community Credit Union, APL FCU is open to anyone who lives, works, attends school or regularly conducts business in the county. Family members of an APL FCU member are also eligible to join, even if they don’t live or work in Howard County.
As a Credit Union, we are a member-owned financial institution, which means our mission is to serve the needs of our members, not to increase profits for outside shareholders. That’s why we maintain the lowest fees of any full-service bank or credit union in the area, year after year*.
In addition to our low fees, we keep our loan rates as low as possible. We offer great rates on vehicle loans, first and second mortgages, credit cards and personal loans that could save you thousands of dollars in interest and fees compared to what some other lenders may charge.
On top of our low fees and great rates, we strive to provide our members unsurpassed value by offering a variety of free and low-cost services, including free checking and debit cards, free online and mobile banking, free bill pay, and much more.
Not a Member Yet?
As Howard County’s Community Credit Union, APL FCU is open to anyone who lives, works, attends school or regularly conducts business in the county. Family members of an APL FCU member are also eligible to join, even if they don’t live or work in Howard County, Md.
*Based on a comparison of fees/average assets of full-service financial institutions in the Howard County area. Courtesy of Callahan and Associates, Inc., a leading provider of data and analytics for the credit union industry.
If you are currently an APL FCU member, please sign into Digital Banking to open new accounts and/or apply for a loan.