Monthly News

Our Monthly Electronic Newsletter, On the List, is sent to all members each month with Helpful Hints, Credit Union updates and Community Initiatives.

  

March 2025

System Upgrade. Branches and Call Center will be Closed and Digital Banking and Mobile App will be unavailable from Fri March 28 at 6pm through Tuesday April 1 at 8am

Click Here for More Information

Spring Food Drive

Image of donated foods in a cardboard box. Food Drive Entire month of AprilWe are sponsoring a Spring Food Drive and will be collecting canned and dry goods at all three branches during the month of April. Please double check expiration dates prior to donation. Collected items will support families in need throughout Howard County. Please consider making a donation during your branch visits.

Click Here for More Information

Savings This Tax Season

Enter to Win $10,000
Love My Credit Union Rewards has begun their Love My CreditUnion Rewards Tax Time Sweepstakes. Enter for your chance to win $10,000. The campaign runs from January 1, 2025 through April 15, 2025. Click the link below to learn more.

Visit aplfcu.org for more information on how much you can save this tax season.

 

 

Securing Your Online Banking Accounts – Phishing Red Flags

Phishing. A scammer sitting on top of a device, fishing for a credit card.

Phishing is the most prevalent cybercrime in the U.S. It’s also the most used tool for stealing financial account information, opening the door to further financial crimes. Should a criminal access your account, they can open credit card accounts, get government benefits and tax refunds, and take out loans. If your institution sends you emails, knowing the red flags of bank account phishing lets you catch them before they catch you.

Read Article on Stickley on Security

What is a HELOC?

A model house with hundred dollar bills underneath

A home equity line of credit (HELOC) is a line of credit that allows you to tap into your home’s equity.

Like a credit card, a HELOC is a revolving line of credit that allows you to borrow up to a certain limit, pay it off, and then borrow it again. That limit is determined by a percentage that the lender sets for you called the LTV (loan-to-value). The LTV is the ratio of how much you owe on your home versus how much it’s actually worth.

The amount of money that a bank or credit union will allow you to borrow for your HELOC will depend on what they set as their max acceptable LTV.

Read more about Home Equity

 

  Shred Day

Do you know someone who lives, works or attends school in Howard County that is looking for a better banking solution?

Did you know your family members - even the ones that don't live or work in Howard County - are also eligible to join?

Help us spread the word about APL FCU membership

 

Subscribe to our YouTube channel for more helpful APL FCU videos.

 

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