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- Bank
12 Months for 4.50% APY* !
Our Certificates of Deposit (CDs) offer a safe and reliable way to get guaranteed returns, helping to maximize your money. 1.50%
- Borrow
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.
- Belong
12 Months for 4.50% APY* !
Our Certificates of Deposit (CDs) offer a safe and reliable way to get guaranteed returns, helping to maximize your money. 1.50%
- Resources
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.
-
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
Digital Banking
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
Great Rates to Write Home About!
Rates effective as of 1/7/2026 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% | Opening CTA Learn More | |
| Any Term Up to 7 Years No Model Year Restrictions | Refinanced Autos | APR* | 4.99% | Opening CTA Learn More | |
| Any Term Up to 7 Years No Model Year Restrictions | Motorcycle | APR* | 4.99% | Opening CTA Learn More | |
| Any Term Up to 7 Years No Model Year Restrictions | Classic Vehicle | APR* | 4.99% | Opening CTALearn More |
Rates effective as of 1/7/2026 and are subject to change without notice.
| Terms | APR* | ||
|---|---|---|---|
| Terms | Home Equity Line of Credit (Variable Rate of Prime plus 0%) | APR* | 7.50% |
| Terms | Fixed-Rate Home Equity Loans | APR* | |
| Terms | – up to 3 yrs | APR* | 6.49% |
| Terms | – up to 6 yrs | APR* | 6.99% |
| Terms | – up to 10 yrs | APR* | 7.49% |
| Terms | – up to 15 yrs | APR* | 7.99% |
| Terms | – up to 20 yrs | APR* | 9.99% |
Rates effective as of 1/7/2026 and are subject to change without notice.
| Terms | APR* | ||
|---|---|---|---|
| Terms | Rewards Visa and Secured Rewards Visa | APR* | 14.24% |
| Terms | Classic Visa and Secured Classic Visa | APR* | 11.24% |
Rates effective as of 1/7/2026 and are subject to change without notice.
| Terms | APR* | ||
|---|---|---|---|
| Terms | Line of Credit | APR* | 11.50% |
| Terms | Savings Secured (variable) | APR* | 5.50% |
| Terms | Savings Secured (fixed) | APR* | 2.30% |
| Terms | Personal Loan (variable) | APR* | 12.50% |
Rates effective as of 1/7/2026 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% |
| Savings or IRA Terms | 12 Months | APY* | 4.50% | APR* | 4.41% |
| Savings or IRA Terms | 18 Months | APY* | 3.75% | APR* | 3.69% |
| Savings or IRA Terms | 24 Months | APY* | 3.75% | APR* | 3.69% |
| Savings or IRA Terms | 36 Months | APY* | 3.55% | APR* | 3.49% |
| Savings or IRA Terms | 48 Months | APY* | 3.55% | APR* | 3.49% |
| Savings or IRA Terms | 60 Months | APY* | 3.55% | APR* | 3.49% |
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 1/7/2026 and are subject to change without notice.
| Terms | APY* | ||
|---|---|---|---|
| Terms | Money Market | APY* | 1.50% |
| Terms | IRA Money Market | APY* | 1.50% |
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 1/7/2026 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% |
| Terms | Kids Account | APY on balances up to $2,500* | 1.00% | APY on balances over $2,500* | 0.05% |
| 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% |
| Terms | IRA 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.
The best credit union ever. Super helpful, communication was the best! Always there to answer questions and work with you. Rates are phenomenal! They give you the best advice and really look out for your best interest.
12 Months for 4.50% APY* !
Our Certificates of Deposit (CDs) offer a safe and reliable way to get guaranteed returns, helping to maximize your money. 1.50%
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.
