Why APL FCU?

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.

APL Federal Credit Union has been named Best Bank/Credit Union in Howard Magazine’s “Best of Howard County” poll for 2018, 2019, 2020, 2021, 2022, 2023 and 2024! Everything we do is for the benefit of our members and we hope that is apparent in our efforts. Please spread the word about our membership eligibility to those you know. 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.

As a Credit Union, we are a member-owned financial institution, which means our mission is to serve the needs of our members, not to increase profits for outside shareholders. That’s why we maintain the lowest fees of any full-service bank or credit union in the area, year after year*.

In addition to our low fees, we keep our loan rates as low as possible. We offer great rates on vehicle loans, first and second mortgages, credit cards and personal loans that could save you thousands of dollars in interest and fees compared to what some other lenders may charge.