Savings Accounts

APL FCU offers a variety of savings accounts to meet your needs. Each of our savings accounts features a reverse tier, which pays a higher interest rate on initial balances up to $2,500.

Regular Savings Accounts

Our membership includes a Savings Account and a free Checking Account with a free Visa Debit Card. A savings balance of at least $50 is all that is required to maintain your membership, to earn dividends and to provide you with access to our menu of products and services.

Your APL FCU Savings Includes:

Rows Array: 
                                Array
(
    [2342] => Array
        (
            [0] => Array
                (
                    [RowID] => 2342
                    [RowNumeric] => 0
                    [ColID] => 1234
                    [ColNumeric] => 0
                    [CellValue] => Terms
                    [CellHeaders] => terms_1483
                )

            [1] => Array
                (
                    [RowID] => 2342
                    [RowNumeric] => 0
                    [ColID] => 8766
                    [ColNumeric] => 1
                    [CellValue] => APY on balances up to $2,500*
                    [CellHeaders] => apy_on_balances_up_to_2500_1483
                )

            [2] => Array
                (
                    [RowID] => 2342
                    [RowNumeric] => 0
                    [ColID] => 7470958
                    [ColNumeric] => 2
                    [CellValue] => APY on balances over $2,500*
                    [CellHeaders] => apy_on_balances_over_2500_1483
                )

            [3] => Array
                (
                    [RowID] => 2342
                    [RowNumeric] => 0
                    [ColID] => 7902791
                    [ColNumeric] => 3
                    [CellValue] => 
                    [CellHeaders] => _1483
                )

        )

    [5435] => Array
        (
            [4] => Array
                (
                    [RowID] => 5435
                    [RowNumeric] => 1
                    [ColID] => 1234
                    [ColNumeric] => 0
                    [CellValue] => Regular Savings
                    [CellHeaders] => terms_1483
                )

            [5] => Array
                (
                    [RowID] => 5435
                    [RowNumeric] => 1
                    [ColID] => 8766
                    [ColNumeric] => 1
                    [CellValue] => 1.00%
                    [CellHeaders] => apy_on_balances_up_to_2500_1483
                )

            [6] => Array
                (
                    [RowID] => 5435
                    [RowNumeric] => 1
                    [ColID] => 7470958
                    [ColNumeric] => 2
                    [CellValue] => 0.05%
                    [CellHeaders] => apy_on_balances_over_2500_1483
                )

            [7] => Array
                (
                    [RowID] => 5435
                    [RowNumeric] => 1
                    [ColID] => 7902791
                    [ColNumeric] => 3
                    [CellValue] => OpenLearn More
                    [CellHeaders] => _1483
                )

        )

    [5259772] => Array
        (
            [8] => Array
                (
                    [RowID] => 5259772
                    [RowNumeric] => 2
                    [ColID] => 1234
                    [ColNumeric] => 0
                    [CellValue] => Kids Account
                    [CellHeaders] => terms_1483
                )

            [9] => Array
                (
                    [RowID] => 5259772
                    [RowNumeric] => 2
                    [ColID] => 8766
                    [ColNumeric] => 1
                    [CellValue] => 1.00%
                    [CellHeaders] => apy_on_balances_up_to_2500_1483
                )

            [10] => Array
                (
                    [RowID] => 5259772
                    [RowNumeric] => 2
                    [ColID] => 7470958
                    [ColNumeric] => 2
                    [CellValue] => 0.05%
                    [CellHeaders] => apy_on_balances_over_2500_1483
                )

            [11] => Array
                (
                    [RowID] => 5259772
                    [RowNumeric] => 2
                    [ColID] => 7902791
                    [ColNumeric] => 3
                    [CellValue] => OpenLearn More
                    [CellHeaders] => _1483
                )

        )

    [5655847] => Array
        (
            [12] => Array
                (
                    [RowID] => 5655847
                    [RowNumeric] => 3
                    [ColID] => 1234
                    [ColNumeric] => 0
                    [CellValue] => Additional Savings - for existing members - open in eBranch
                    [CellHeaders] => terms_1483
                )

            [13] => Array
                (
                    [RowID] => 5655847
                    [RowNumeric] => 3
                    [ColID] => 8766
                    [ColNumeric] => 1
                    [CellValue] => 1.00%
                    [CellHeaders] => apy_on_balances_up_to_2500_1483
                )

            [14] => Array
                (
                    [RowID] => 5655847
                    [RowNumeric] => 3
                    [ColID] => 7470958
                    [ColNumeric] => 2
                    [CellValue] => 0.05%
                    [CellHeaders] => apy_on_balances_over_2500_1483
                )

            [15] => Array
                (
                    [RowID] => 5655847
                    [RowNumeric] => 3
                    [ColID] => 7902791
                    [ColNumeric] => 3
                    [CellValue] => OpenLearn More
                    [CellHeaders] => _1483
                )

        )

    [6257704] => Array
        (
            [16] => Array
                (
                    [RowID] => 6257704
                    [RowNumeric] => 4
                    [ColID] => 1234
                    [ColNumeric] => 0
                    [CellValue] => IRA Savings
                    [CellHeaders] => terms_1483
                )

            [17] => Array
                (
                    [RowID] => 6257704
                    [RowNumeric] => 4
                    [ColID] => 8766
                    [ColNumeric] => 1
                    [CellValue] => 1.00%
                    [CellHeaders] => apy_on_balances_up_to_2500_1483
                )

            [18] => Array
                (
                    [RowID] => 6257704
                    [RowNumeric] => 4
                    [ColID] => 7470958
                    [ColNumeric] => 2
                    [CellValue] => 0.05%
                    [CellHeaders] => apy_on_balances_over_2500_1483
                )

            [19] => Array
                (
                    [RowID] => 6257704
                    [RowNumeric] => 4
                    [ColID] => 7902791
                    [ColNumeric] => 3
                    [CellValue] => OpenLearn More
                    [CellHeaders] => _1483
                )

        )

)

                                Headings Array:
                                Array
(
    [terms_1483] => Terms
    [apy_on_balances_up_to_2500_1483] => APY on balances up to $2,500*
    [apy_on_balances_over_2500_1483] => APY on balances over $2,500*
)

Rates effective as of 04-16-2025 and are subject to change without notice.

Terms

Regular Savings

APY on balances up to $2,500*

1.00%

APY on balances over $2,500*

0.05%

*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.

Open Savings Account 

Kids Accounts

Teach your kids under 15 years of age that saving can be fun with an APL FCU Kids Account. The minimum balance for a kids account is only $5, and each new account holder will receive a matching $5 deposit from APL FCU.
  • Available to all members under 15 years old
  • Competitive interest rate for account balances over $50
  • Converts to a Regular Savings account when the child turns 15
Rows Array: 
                                Array
(
    [2342] => Array
        (
            [0] => Array
                (
                    [RowID] => 2342
                    [RowNumeric] => 0
                    [ColID] => 1234
                    [ColNumeric] => 0
                    [CellValue] => Terms
                    [CellHeaders] => terms_1483
                )

            [1] => Array
                (
                    [RowID] => 2342
                    [RowNumeric] => 0
                    [ColID] => 8766
                    [ColNumeric] => 1
                    [CellValue] => APY on balances up to $2,500*
                    [CellHeaders] => apy_on_balances_up_to_2500_1483
                )

            [2] => Array
                (
                    [RowID] => 2342
                    [RowNumeric] => 0
                    [ColID] => 7470958
                    [ColNumeric] => 2
                    [CellValue] => APY on balances over $2,500*
                    [CellHeaders] => apy_on_balances_over_2500_1483
                )

            [3] => Array
                (
                    [RowID] => 2342
                    [RowNumeric] => 0
                    [ColID] => 7902791
                    [ColNumeric] => 3
                    [CellValue] => 
                    [CellHeaders] => _1483
                )

        )

    [5435] => Array
        (
            [4] => Array
                (
                    [RowID] => 5435
                    [RowNumeric] => 1
                    [ColID] => 1234
                    [ColNumeric] => 0
                    [CellValue] => Regular Savings
                    [CellHeaders] => terms_1483
                )

            [5] => Array
                (
                    [RowID] => 5435
                    [RowNumeric] => 1
                    [ColID] => 8766
                    [ColNumeric] => 1
                    [CellValue] => 1.00%
                    [CellHeaders] => apy_on_balances_up_to_2500_1483
                )

            [6] => Array
                (
                    [RowID] => 5435
                    [RowNumeric] => 1
                    [ColID] => 7470958
                    [ColNumeric] => 2
                    [CellValue] => 0.05%
                    [CellHeaders] => apy_on_balances_over_2500_1483
                )

            [7] => Array
                (
                    [RowID] => 5435
                    [RowNumeric] => 1
                    [ColID] => 7902791
                    [ColNumeric] => 3
                    [CellValue] => OpenLearn More
                    [CellHeaders] => _1483
                )

        )

    [5259772] => Array
        (
            [8] => Array
                (
                    [RowID] => 5259772
                    [RowNumeric] => 2
                    [ColID] => 1234
                    [ColNumeric] => 0
                    [CellValue] => Kids Account
                    [CellHeaders] => terms_1483
                )

            [9] => Array
                (
                    [RowID] => 5259772
                    [RowNumeric] => 2
                    [ColID] => 8766
                    [ColNumeric] => 1
                    [CellValue] => 1.00%
                    [CellHeaders] => apy_on_balances_up_to_2500_1483
                )

            [10] => Array
                (
                    [RowID] => 5259772
                    [RowNumeric] => 2
                    [ColID] => 7470958
                    [ColNumeric] => 2
                    [CellValue] => 0.05%
                    [CellHeaders] => apy_on_balances_over_2500_1483
                )

            [11] => Array
                (
                    [RowID] => 5259772
                    [RowNumeric] => 2
                    [ColID] => 7902791
                    [ColNumeric] => 3
                    [CellValue] => OpenLearn More
                    [CellHeaders] => _1483
                )

        )

    [5655847] => Array
        (
            [12] => Array
                (
                    [RowID] => 5655847
                    [RowNumeric] => 3
                    [ColID] => 1234
                    [ColNumeric] => 0
                    [CellValue] => Additional Savings - for existing members - open in eBranch
                    [CellHeaders] => terms_1483
                )

            [13] => Array
                (
                    [RowID] => 5655847
                    [RowNumeric] => 3
                    [ColID] => 8766
                    [ColNumeric] => 1
                    [CellValue] => 1.00%
                    [CellHeaders] => apy_on_balances_up_to_2500_1483
                )

            [14] => Array
                (
                    [RowID] => 5655847
                    [RowNumeric] => 3
                    [ColID] => 7470958
                    [ColNumeric] => 2
                    [CellValue] => 0.05%
                    [CellHeaders] => apy_on_balances_over_2500_1483
                )

            [15] => Array
                (
                    [RowID] => 5655847
                    [RowNumeric] => 3
                    [ColID] => 7902791
                    [ColNumeric] => 3
                    [CellValue] => OpenLearn More
                    [CellHeaders] => _1483
                )

        )

    [6257704] => Array
        (
            [16] => Array
                (
                    [RowID] => 6257704
                    [RowNumeric] => 4
                    [ColID] => 1234
                    [ColNumeric] => 0
                    [CellValue] => IRA Savings
                    [CellHeaders] => terms_1483
                )

            [17] => Array
                (
                    [RowID] => 6257704
                    [RowNumeric] => 4
                    [ColID] => 8766
                    [ColNumeric] => 1
                    [CellValue] => 1.00%
                    [CellHeaders] => apy_on_balances_up_to_2500_1483
                )

            [18] => Array
                (
                    [RowID] => 6257704
                    [RowNumeric] => 4
                    [ColID] => 7470958
                    [ColNumeric] => 2
                    [CellValue] => 0.05%
                    [CellHeaders] => apy_on_balances_over_2500_1483
                )

            [19] => Array
                (
                    [RowID] => 6257704
                    [RowNumeric] => 4
                    [ColID] => 7902791
                    [ColNumeric] => 3
                    [CellValue] => OpenLearn More
                    [CellHeaders] => _1483
                )

        )

)

                                Headings Array:
                                Array
(
    [terms_1483] => Terms
    [apy_on_balances_up_to_2500_1483] => APY on balances up to $2,500*
    [apy_on_balances_over_2500_1483] => APY on balances over $2,500*
)

Rates effective as of 04-16-2025 and are subject to change without notice.

Terms

Kids Account

APY on balances up to $2,500*

1.00%

APY on balances over $2,500*

0.05%

*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.

Open Kids Account 

Young Adult Accounts

APL FCU is here to help you throughout your life changes. As your child grows, teach them financial responsibility at an early age. You may apply jointly for a Visa ® Debit Card for your 15 – 17 year old. They will get all the same benefits you get with your Visa ® Debit Card and you’ll be able to rest easy knowing you can:
  • Monitor their spending behaviors online
  • Transfer money directly from your account into theirs
  • Begin teaching them how to live within their means
  • Protect them from overspending as the card will be declined if funds are not available at the time of purchase
  • Avoid ATM fees with access to thousands of surcharge-free ATM locations throughout the country

To add a Debit Card to a current membership, please log into eBranch to fill out an application.

Open Young Adult Account 

College Accounts

Your college bound student will benefit from this package.
  • Free Checking – no minimum balance or monthly service charges; includes Free Visa Debit Card
  • Surcharge-Free ATM Access – tens of thousands of Allpoint machines across the country
  • Digital Banking Access – students and parents can check account balances and history any time of day
  • Mobile Check Deposit – no need to send checks home – just snap, tap and deposit
  • eStatements – electronic delivery gets to them no matter where they are attending school
  • Zelle® – send or receive money, typically in minutes! 
  • Visa Credit Card – purchasing power with no annual fee
  • Savings Secured Visa – a credit card alternative that uses pledged funds from your Savings Account. A great way for a young adult to build credit without a co-signer
  • Line of Credit – extra cash available any time (up to their predetermined credit line), or it can be used as Overdraft Protection for their checking account

The best part – with your joint membership, you will be able to monitor their spending habits to make sure they are practicing good budgeting skills.

Open College Account 

Additional Savings Accounts

Use these accounts to keep your holiday and vacation money separate from your regular savings account.  Existing Members: To open an Additional Savings Account, sign into Digital Banking and click the Apply button. You may also call us at 443.778.5250 to establish the new account. New Additional Savings Accounts will have the same ownership access already established on the existing APL FCU membership. Any existing joint owners on the current membership will have full authority to perform any transaction on the new Additional Savings Account.

  • Earns same rate as our Regular Savings Account
  • Minimum balance of $5 to open the account
  • Unlimited withdrawals and deposits
  • Dividends are calculated daily, compounded and paid monthly on balances of $50 or more
  • Set up recurring transfers to effortlessly reach your goals
Open an Additional Savings Account 

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 

Need Help?

Whether you need help determining what type of loan you need or how to protect your online accounts, APL FCU is here to help. You may also contact us directly with specific questions.