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.
Routing Number #255077998
Download our App
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.
Rates effective as of 4/24/2025 and are subject to change without notice.
| Any Term Up to 7 Years No Model Year Restrictions | APR* | ||||
|---|---|---|---|---|---|
| Any Term Up to 7 Years No Model Year Restrictions | New and Used Autos | APR* | 4.99% | ApplyLearn More | |
| Any Term Up to 7 Years No Model Year Restrictions | Refinanced Autos | APR* | 4.99% | ApplyLearn More | |
| Any Term Up to 7 Years No Model Year Restrictions | Motorcycle | APR* | 4.99% | ApplyLearn More | |
| Any Term Up to 7 Years No Model Year Restrictions | Classic Vehicle | APR* | 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.
| Terms | APR* | ||||
|---|---|---|---|---|---|
| Terms | Home Equity Line of Credit (Variable Rate of Prime plus 0%) | APR* | 7.50% | ApplyLearn More | |
| Terms | Fixed-Rate Home Equity Loans | APR* | |||
| Terms | – up to 3 yrs | APR* | 6.49% | ApplyLearn More | |
| Terms | – up to 6 yrs | APR* | 6.99% | ApplyLearn More | |
| Terms | – up to 10 yrs | APR* | 7.49% | ApplyLearn More | |
| Terms | – up to 15 yrs | APR* | 7.99% | ApplyLearn More | |
| Terms | – up to 20 yrs | APR* | 9.99% | ApplyLearn More |
Rates effective as of 4/24/2025 and are subject to change without notice.
| Terms | APR* | ||||
|---|---|---|---|---|---|
| Terms | Rewards Visa and Secured Rewards Visa | APR* | 14.24% | ApplyLearn More | |
| Terms | Classic Visa and Secured Classic Visa | APR* | 11.24% | ApplyLearn More |
Rates effective as of 4/24/2025 and are subject to change without notice.
| Terms | APR* | ||||
|---|---|---|---|---|---|
| Terms | Line of Credit | APR* | 11.50% | ApplyLearn More | |
| Terms | Savings Secured (variable) | APR* | 5.50% | ApplyLearn More | |
| Terms | Savings Secured (fixed) | APR* | 2.30% | ApplyLearn More | |
| Terms | Personal Loan (variable) | APR* | 12.50% | ApplyLearn More |
Rates effective as of 4/24/2025 and are subject to change without notice.
| Savings or IRA Terms | APY* | APR* | |||||
|---|---|---|---|---|---|---|---|
| Savings or IRA Terms | 6 Months | APY* | 4.00% | APR* | 3.93% | OpenLearn More | |
| Savings or IRA Terms | 12 Months | APY* | 4.25% | APR* | 4.17% | OpenLearn More | |
| Savings or IRA Terms | 18 Months | APY* | 3.75% | APR* | 3.69% | OpenLearn More | |
| Savings or IRA Terms | 24 Months | APY* | 3.75% | APR* | 3.69% | OpenLearn More | |
| Savings or IRA Terms | 36 Months | APY* | 3.55% | APR* | 3.49% | OpenLearn More | |
| Savings or IRA Terms | 48 Months | APY* | 3.55% | APR* | 3.49% | OpenLearn More | |
| Savings or IRA Terms | 60 Months | APY* | 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.
| Terms | APY* | ||||
|---|---|---|---|---|---|
| Terms | Money Market | APY* | 1.50% | OpenLearn More | |
| Terms | IRA Money Market | APY* | 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.
| Terms | APY on balances up to $2,500* | APY on balances over $2,500* | |||||
|---|---|---|---|---|---|---|---|
| Terms | Regular Savings | APY on balances up to $2,500* | 1.00% | APY on balances over $2,500* | 0.05% | OpenLearn More | |
| Terms | Kids Account | APY on balances up to $2,500* | 1.00% | APY on balances over $2,500* | 0.05% | OpenLearn More | |
| Terms | Additional Savings – for existing members – open in eBranch | APY on balances up to $2,500* | 1.00% | APY on balances over $2,500* | 0.05% | OpenLearn More | |
| Terms | IRA Savings | APY 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.
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 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.
