APGFCU

We’re different. And that makes a big difference for you.

We make you the owner.

As a cooperative, we’re owned by our members, not stockholders. When you’re a member, you can be assured your best interests guide every product we offer and every decision we make.

All our earnings work for you.

Since we’re not-for-profit, we reinvest all earnings for our members’ benefit. So we can offer products and services with better rates and lower fees than you’ll find elsewhere.

We help you be money smart.

We look out for your well-being by helping you be well informed about your financial situation. Free online resources, in-person workshops, financial counseling and more are always available to you.

We’re local, like you.

We started in Harford County in 1938. And we’re still here, with headquarters in Edgewood. Lending decisions, like all our decisions, are made locally.