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Credit Unions are different animals than commercial banks or retail mortgage companies. Membership is usually defined by the institution and can be in terms of employment, geographic location, or any other standard the membership agrees to define as a condition for membership. In this instance the APG Federal Credit Union is geographically defined as Hartford County, Cecil County and certain areas of Middle River, Maryland.

The Benefits of Membership

Once you’re an APG Federal Credit Union member, you’re always a member. The credit union is owned by the members and run by an elected board. They function as a financial institution very similarly to a regular bank, so the APG Federal Credit Union offers a broad range of loan options to its members. Conventional – Fixed 10 to 30 year terms, Jumbos – borrow up to one million dollars, refinancing options, fixed home equity loans, and most uniquely mobile loan homes.

The Support Services Available to Members

If you live, work, worship, attend school, or volunteer in Harford or Cecil County or certain areas of Middle River, Maryland, if you are an immediate family member of anyone meeting the criterion, or if you live in the same residence of a current member. Family Members may join
If they are immediate family or a member of a household of a credit-union-eligible individual. That credit union-eligible individual does not need to join the credit union in order to extend membership eligibility to the immediate family or household member.. As a member you would have access to all the services and the very well organized digital application process as well as a Dedicated Mortgage Team to work with you throughout the process. The numerous benefits of credit union membership are too numerous to list, but the mortgages seem to be an excellent deal.