Credit union · NCUA insured
APG Federal Credit Union
Top CarrotA $2.6B credit union, the 199th largest of 4,329, headquartered in Edgewood, MD, with 184,732 members and 18 branches in Maryland. Best rates: CDs 4.30% and savings 0.35% APY.
APG Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 96% of U.S. banks and credit unions
#5 of 47 in Baltimore, MD metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About APG Federal Credit Union
APG Federal Credit Union is a financial cooperative serving Baltimore City as well as Baltimore, Harford, and Cecil counties in Maryland, where it acquired Members First of Maryland Federal Credit Union in 2025.
- Headquarters
- 1321 Pulaski Hwy, Edgewood, MD 21040-1502
- NCUA charter
- 2540
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Other ways
- Youth membership is available for individuals ages 0 through 17 with a $5 minimum savings account opening deposit.
Cost to join
- A minimum deposit of $5 is required to open and maintain a share savings account.
Branches
18 branches in Maryland
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Maryland
18 branches
Baltimore area · 13
- Edgewood Operations CenterMain office1321 Pulaski Hwy, Edgewood, MD 21040Directions
- Aberdeen Branch996 Beards Hill Rd # Rt, Aberdeen, MD 21001Directions
- APG Branch6485 Operations Ave, Aberdeen Proving Ground, MD 21005Directions
- Dundalk Branch1631 Merritt Blvd, Baltimore, MD 21222Directions
- Amyclae Branch1200 Agora Dr Ste A, Bel Air, MD 21014Directions
- Bel Air Branch321 S Main St, Bel Air, MD 21014Directions
- Laurel Bush Branch2113 Laurel Bush Rd, Bel Air, MD 21015Directions
- Riverside Branch1327 Riverside Pkwy, Belcamp, MD 21017Directions
- Cockeysville Branch10301 York Rd, Cockeysville, MD 21030Directions
- Fallston Branch210 Mountain Rd, Fallston, MD 21047Directions
- Forest Hill Branch2010 Rock Spring Rd, Forest Hill, MD 21050Directions
- Havre de Grace Branch1045 Pulaski Hwy, Havre de Grace, MD 21078Directions
- Perry Hall Branch4371 Ebenezer Rd, Nottingham, MD 21236Directions
Philadelphia area · 5
- Chesapeake City Branch2579 Augustine Herman Hwy, Chesapeake City, MD 21915Directions
- Elkton Branch1204 E Pulaski Hwy, Elkton, MD 21921Directions
- North East Branch2011 W Pulaski Hwy, Elkton, MD 21921Directions
- Cecil College Branch1 Seahawk Dr, North East, MD 21901Directions
- Rising Sun Branch28 Rising Sun Town Ctr, Rising Sun, MD 21911Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.26% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.53% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.92% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $95 | $88 | — |
- CapitalNet worth ratio9.26%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.53%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.92%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$95Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of APG Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.