Credit union · NCUA insured
APL Federal Credit Union Savings Rates
Top CarrotAPL Federal Credit Union’s best savings rate is 1.50% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How APL Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Baltimore, MD, where APL Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
APL Federal Credit Union
1.50%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $150
Money Market
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
CFG Bank
4.05%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $405
APL Federal Credit Union savings score
88
Savings score
Higher than 82% of U.S. banks and credit unions
- $1,000 balance$1,0001.00%
- $10,000 balance$10,0001.50%
- $100,000 balance$100,0001.50%
- QualifiedQualified1.50%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where APL Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market
1.50%APY
Requires $10,000 minimum balance to open and earn dividends. Dividends calculated daily, compounded and paid monthly on balances of $10,000 or more. Variable rate interest – may change daily. Six withdrawals per month – three by check and three by other means. Withdrawals or transfers made in person or by mail and loan payment transfers using Digital Banking or Telephone Banking to APL FCU loans are not subject to this limitation Free copies of cleared Money Market check upon request
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10,000 and upDividends calculated daily, compounded and paid monthly on balances of $10,000 or more. Variable rate.$10,000 and up | 1.50% | $150 | Dividends calculated daily, compounded and paid monthly on balances of $10,000 or more. Variable rate. |
Sources (1)
- aplfcu.org/Money-Market · captured Oct 22, 2026
Regular Savings
0.05%APY
Requires a $50 minimum balance to maintain membership, open, and earn dividends. No monthly service or maintenance fees, and no minimum balance requirements beyond membership/dividend threshold. Open to anyone living, working, attending school, or regularly conducting business in Howard County, MD, or family members of current members.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Tiered rate on balances up to $2,500. Requires $50 minimum balance to earn dividends. Members with more than $2,500 earn a blended APY based on average daily balance. | 1.00% | — | Tiered rate on balances up to $2,500. Requires $50 minimum balance to earn dividends. Members with more than $2,500 earn a blended APY based on average daily balance. |
| Over $2,500Tiered rate on portion of balance over $2,500. Members with more than $2,500 earn a blended APY based on average daily balance in each tier. | 0.05% | $5 | Tiered rate on portion of balance over $2,500. Members with more than $2,500 earn a blended APY based on average daily balance in each tier. |
Special-purpose accounts
IRA Money Market
1.50%APY
Requires $10,000 minimum balance to open and earn dividends. Dividends calculated daily, compounded and paid monthly on balances of $10,000 or more. Variable rate.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10,000 and upDividends calculated daily, compounded and paid monthly on balances of $10,000 or more. Variable rate.$10,000 and up | 1.50% | $150 | Dividends calculated daily, compounded and paid monthly on balances of $10,000 or more. Variable rate. |
Sources (1)
- aplfcu.org/Money-Market · captured Oct 22, 2026
IRA Savings
0.05%APY
Requires a $5 minimum balance to open and a $50 minimum balance to earn dividends.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Tiered rate on balances up to $2,500. Requires $50 minimum balance to earn dividends. Members with more than $2,500 earn a blended APY based on average daily balance. | 1.00% | — | Tiered rate on balances up to $2,500. Requires $50 minimum balance to earn dividends. Members with more than $2,500 earn a blended APY based on average daily balance. |
| Over $2,500Tiered rate on portion of balance over $2,500. Members with more than $2,500 earn a blended APY based on average daily balance in each tier. | 0.05% | $5 | Tiered rate on portion of balance over $2,500. Members with more than $2,500 earn a blended APY based on average daily balance in each tier. |
Kids Account
0.05%APY
Available to members under 15 years old. Converts to a Regular Savings account at age 15. Requires $5 minimum balance to open (new accounts receive a matching $5 deposit from APL FCU) and $50 minimum balance to earn dividends.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Tiered rate on balances up to $2,500 for account balances over $50. Requires $50 minimum balance to earn dividends. Members with more than $2,500 earn a blended APY based on average daily balance. | 1.00% | — | Tiered rate on balances up to $2,500 for account balances over $50. Requires $50 minimum balance to earn dividends. Members with more than $2,500 earn a blended APY based on average daily balance. |
| Over $2,500Tiered rate on portion of balance over $2,500. Members with more than $2,500 earn a blended APY based on average daily balance in each tier. | 0.05% | $5 | Tiered rate on portion of balance over $2,500. Members with more than $2,500 earn a blended APY based on average daily balance in each tier. |
Closed to new customers
Additional Savings
0.05%APY
Available to existing members to open in eBranch / Digital Banking or by phone. Minimum balance of $5 to open and $50 minimum balance to earn dividends. Dividends calculated daily, compounded and paid monthly on balances of $50 or more.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Tiered rate on balances up to $2,500. Requires $50 minimum balance to earn dividends. Members with more than $2,500 earn a blended APY based on average daily balance. | 1.00% | — | Tiered rate on balances up to $2,500. Requires $50 minimum balance to earn dividends. Members with more than $2,500 earn a blended APY based on average daily balance. |
| Over $2,500Tiered rate on portion of balance over $2,500. Members with more than $2,500 earn a blended APY based on average daily balance in each tier. | 0.05% | $5 | Tiered rate on portion of balance over $2,500. Members with more than $2,500 earn a blended APY based on average daily balance in each tier. |
Who can join APL Federal Credit Union
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.
Membership information collected October 4, 2026.