We 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.

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

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.

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.