Credit union · NCUA insured
APL Federal Credit Union
Top CarrotA $709.5M credit union headquartered in Laurel, MD, with 31,150 members and 3 branches in Maryland. Best rates: CDs 4.25% and savings 1.50% APY.
APL Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 84% of U.S. banks and credit unions
#9 of 47 in Baltimore, MD metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About APL Federal Credit Union
APL Federal Credit Union was chartered in 1954 by employees at The Johns Hopkins University Applied Physics Laboratory to serve the lab's workforce.
In 2001, the credit union received a community charter for Howard County, Maryland, expanding membership to those who live, work, attend school, or conduct business there.
- Headquarters
- 11050 Johns Hopkins Rd, Laurel, MD 20723
- NCUA charter
- 9475
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, attends school, or regularly conducts business in Howard County, Maryland.
Family and household
- Immediate family members of current credit union members are eligible for membership, even if they do not live or work in Howard County.
Branches
3 branches in Maryland
Loading map…
Maryland
3 branches
- Main OfficeMain office11050 Johns Hopkins Rd, Laurel, MD 20723Directions
- McGaw8870 McGaw Rd, Columbia, MD 21045Directions
- Campus11100 Johns Hopkins Rd, Laurel, MD 20723Directions
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 | 11.84% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.49% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.15% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $76 | $76 | — |
- CapitalNet worth ratio11.84%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.49%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.15%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$76Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion 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 APL 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.