Rates

Great Rates to Write Home About!

Rates effective as of 4/24/2025 and are subject to change without notice.

Any Term Up to 7 Years No Model Year RestrictionsAPR*
Any Term Up to 7 Years No Model Year RestrictionsNew and Used AutosAPR*4.99%ApplyLearn More
Any Term Up to 7 Years No Model Year RestrictionsRefinanced AutosAPR*4.99%ApplyLearn More
Any Term Up to 7 Years No Model Year RestrictionsMotorcycleAPR*4.99%ApplyLearn More
Any Term Up to 7 Years No Model Year RestrictionsClassic VehicleAPR*4.99%ApplyLearn More

Purchase and Refinance Rates   Compare Mortgage Rates

 

Rates effective as of 4/24/2025 and are subject to change without notice.

TermsAPR*
TermsHome Equity Line of Credit (Variable Rate of Prime plus 0%)APR*7.50%ApplyLearn More
TermsFixed-Rate Home Equity LoansAPR*
Terms– up to 3 yrsAPR*6.49%ApplyLearn More
Terms– up to 6 yrsAPR*6.99%ApplyLearn More
Terms– up to 10 yrsAPR*7.49%ApplyLearn More
Terms– up to 15 yrsAPR*7.99%ApplyLearn More
Terms– up to 20 yrsAPR*9.99%ApplyLearn More

Rates effective as of 4/24/2025 and are subject to change without notice.

TermsAPR*
TermsRewards Visa and Secured Rewards VisaAPR*14.24%ApplyLearn More
TermsClassic Visa and Secured Classic VisaAPR*11.24%ApplyLearn More

Rates effective as of 4/24/2025 and are subject to change without notice.

TermsAPR*
TermsLine of Credit APR*11.50%ApplyLearn More
TermsSavings Secured (variable)APR*5.50%ApplyLearn More
TermsSavings Secured (fixed)APR*2.30%ApplyLearn More
TermsPersonal Loan (variable)APR*12.50%ApplyLearn More

Rates effective as of 4/24/2025 and are subject to change without notice.

Savings or IRA TermsAPY*APR*
Savings or IRA Terms6 MonthsAPY*4.00%APR*3.93%OpenLearn More
Savings or IRA Terms12 MonthsAPY*4.25%APR*4.17%OpenLearn More
Savings or IRA Terms18 MonthsAPY*3.75%APR*3.69%OpenLearn More
Savings or IRA Terms24 MonthsAPY*3.75%APR*3.69%OpenLearn More
Savings or IRA Terms36 MonthsAPY*3.55%APR*3.49%OpenLearn More
Savings or IRA Terms48 MonthsAPY*3.55%APR*3.49%OpenLearn More
Savings or IRA Terms60 MonthsAPY*3.55%APR*3.49%OpenLearn More

The 6 month certificate requires a minimum balance of $500 to open and is not eligible for IRA Terms. All other certificates require a minimum balance of $1,000 to open.

Rates effective as of 4/24/2025 and are subject to change without notice.

TermsAPY*
TermsMoney MarketAPY*1.50%OpenLearn More
TermsIRA Money MarketAPY*1.50%OpenLearn More

Money Market accounts require a $10,000 minimum balance to open and earn dividends. Dividends are calculated daily, compounded and paid monthly on balances of $10,000 or more.

Rates effective as of 4/24/2025 and are subject to change without notice.

TermsAPY on balances up to $2,500*APY on balances over $2,500*
TermsRegular SavingsAPY on balances up to $2,500*1.00%APY on balances over $2,500*0.05%OpenLearn More
TermsKids AccountAPY on balances up to $2,500*1.00%APY on balances over $2,500*0.05%OpenLearn More
TermsAdditional Savings – for existing members – open in eBranchAPY on balances up to $2,500*1.00%APY on balances over $2,500*0.05%OpenLearn More
TermsIRA SavingsAPY on balances up to $2,500*1.00%APY on balances over $2,500*0.05%OpenLearn More

*APL FCU uses a tiered savings rate, with a higher annual percentage yield on balances up to $2,500. Regular Savings requires a $50 minimum balance to open and earn dividends. All other savings accounts require a $5 minimum balance to open and a $50 minimum balance to earn dividends. Our tiered Savings Accounts pay different stated dividend rates to each tier as shown above. Members with more than $2,500 in a Savings Account will earn a blended APY, which is calculated based on the average daily balance in each tier of the account.

Star Star Star Star Star

The best credit union ever. Super helpful, communication was the best! Always there to answer questions and work with you. Rates are phenomenal! They give you the best advice and really look out for your best interest.

Antoinette J

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.

Current Rates 

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.

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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.

Why APL FCU? Join APL FCU