Is APGFCU a good bank? That’s a question that many people ask themselves when they’re looking for a new financial institution to join. With so many options out there, it can be difficult to know which bank is the right one for you. APGFCU is a credit union that serves the community of Harford County, Maryland, and it has been in business for over 80 years. But is it the right choice for you? In this article, we’ll take a closer look at what makes APGFCU stand out from the competition and help you determine whether it’s a good fit for your needs.
One of the things that sets APGFCU apart from other banks is its commitment to fostering a sense of community among its members. As a credit union, APGFCU is owned and operated by its members, which means that everyone who banks there has a stake in the institution’s success. This sense of ownership translates into a more personalized experience for members, with a focus on building long-term relationships. Whether you’re looking to open a savings account, take out a loan, or simply get some financial advice, you can count on APGFCU to be there for you every step of the way.
But what about the nitty-gritty details? When it comes to things like fees and interest rates, APGFCU continues to impress. In fact, the institution consistently ranks among the best credit unions in the country in terms of affordability and value. Its fees are low and transparent, and its interest rates on loans and savings accounts are competitive with those of larger banks. Plus, with a wide range of online and mobile banking services, it’s never been easier to manage your finances on the go. So, is APGFCU a good bank? Based on its track record and reputation, the answer is a resounding yes.
APGFCU checking account
APGFCU is a well-established credit union that offers a variety of financial services to its members. One of their most popular services is their checking account. Here are the key features of their checking account:
- No monthly maintenance fees
- No minimum balance requirement
- Overdraft protection available
- Free online banking and bill pay
- Access to over 55,000 surcharge-free ATMs
- Low fees for using out-of-network ATMs
Overall, APGFCU’s checking account is a great option for anyone looking for a low-cost, convenient checking account. With no monthly fees or minimum balance requirements, it’s a great choice for those who want to avoid the high fees that many traditional banks charge. Additionally, the overdraft protection and access to a large network of ATMs make it easy to manage your finances on the go.
Online banking with APGFCU
APGFCU offers online banking services that enable members to have access to their accounts anytime from anywhere. The online banking system is easy to use and straightforward, allowing customers to manage their finances with ease. Members can securely log into their accounts to check their balances, view transaction history, transfer funds, pay bills, and much more.
Benefits of using APGFCU’s online banking services
- Convenient access to account information and financial management tools 24/7
- Easy-to-use interface and navigation for seamless financial transactions
- Secure and protected online banking system, ensuring the safety of members’ accounts and personal information
Features of APGFCU’s online banking services
APGFCU’s online banking services are packed with beneficial features for members, including:
- Bill Pay: Members can pay their bills online, eliminating the need to write and mail a check
- eStatements: Members can opt to receive electronic statements online, reducing paper clutter and providing easy access to their financial statements
- Mobile Apps: Members can download the APGFCU mobile app to manage their accounts on the go
Online banking security
APGFCU understands the importance of online banking security and has invested in advanced technologies to protect its members. The online banking system includes numerous security measures such as firewalls, encryption, and two-factor authentication to prevent unauthorized access to member accounts. Members can feel confident that their accounts and personal information are safe when using APGFCU’s online banking services.
| Security measures: | Description: |
|---|---|
| Firewalls | Used to protect against unauthorized access and prevent data breaches |
| Encryption | Used to scramble sensitive information so that it cannot be read by unauthorized parties |
| Two-factor authentication | Adds an extra layer of protection by requiring a second form of identification, such as a code sent to the member’s phone or email |
Overall, online banking with APGFCU is a secure, convenient, and beneficial option for members looking to manage their finances online.
APGFCU Customer Service Review
When it comes to banking, excellent customer service is one of the most crucial aspects that customers look for. APGFCU does not disappoint in this regard, as they have consistently received positive reviews in terms of customer service.
- Live Chat Support: APGFCU offers a live chat feature on their website which allows customers to get quick assistance for their queries and concerns. The live chat support is available during business hours and is incredibly responsive and helpful.
- Phone Support: Customers can reach out to APGFCU’s customer service department by phone, and the bank has a toll-free customer service number that customers can call to get assistance. The bank’s phone support is available 24/7, making it easy for customers to get in touch at any time of the day or night.
- In-Branch Support: APGFCU has a vast network of branches, and customers can walk in and get their queries answered in person. The in-branch support provided by APGFCU is professional, friendly, and knowledgeable.
APGFCU Customer Service Ratings
In addition to the excellent customer service, APGFCU has consistently received positive reviews in terms of customer service ratings. According to a survey conducted by Bankrate, APGFCU has an overall customer service rating of 4.8 out of 5. This rating is one of the highest among banks in the United States, and it speaks volumes about the level of service provided by APGFCU.
APGFCU Customer Service Training
One of the reasons for APGFCU’s excellent customer service is the bank’s robust training programs. APGFCU invests heavily in training its employees on how to provide the best customer service possible. The bank’s employees are trained to listen to customers’ concerns and queries actively. They are also trained to offer personalized solutions to customers that meet their specific needs. The training programs are updated frequently to ensure that employees are up-to-date on the latest banking products and services.
APG Customer Service Awards
APGFCU has received several awards for its outstanding customer service over the years. In 2021, the bank won the Best Credit Union in Baltimore award, which was based on customer service, rates, and fees. APGFCU has also been named as one of the top 100 credit unions in the United States for customer service by Customer Service Ranking. These awards are a testament to APGFCU’s commitment to excellent customer service.
| Award | Year |
|---|---|
| Best Credit Union in Baltimore | 2021 |
| Top 100 Credit Unions in the US for Customer Service | 2020 |
In conclusion, APGFCU is an exceptional bank that offers outstanding customer service to its customers. With 24/7 phone support, a live chat feature, and a vast network of branches, customers can get assistance whenever they need it. Moreover, the bank’s investment in training its employees and winning several awards for its customer service is a testament to its dedication to providing the best possible banking experience to its customers.
APGFCU Interest Rates
When it comes to choosing a bank for your financial needs, interest rates make a huge difference in your overall experience with the institution. Thankfully, APGFCU offers a range of interest rates that are competitive with other banks in the industry.
If you’re curious about what specific interest rates APGFCU offers, you can visit their website or call their customer service center for more information. However, we’ll break down some of their rates by account type below:
APGFCU Interest Rates (By Account Type)
- Savings Accounts: APGFCU’s savings accounts currently have an interest rate of 0.05% APY.
- Checking Accounts: APGFCU offers several checking account options, each with its own interest rate. For example, their Premier Checking account currently has an interest rate of 0.05% APY.
- Certificate Accounts: APGFCU’s certificate accounts typically have higher interest rates than their other account types. For example, their 60-month certificate account currently has an interest rate of 0.75% APY.
How Do APGFCU Interest Rates Compare?
While APGFCU’s interest rates are certainly competitive, it’s always worth comparing them to other banks in the industry. In general, APGFCU’s rates for savings and checking accounts are on par with other similar institutions.
However, where APGFCU really shines is with their certificate accounts. Their rates for longer-term certificates are consistently higher than many other banks in the industry, making them a great option if you’re looking to save for a future goal or investment.
The Bottom Line
Overall, APGFCU’s interest rates are a strong selling point for the institution. They offer competitive rates for savings and checking accounts, and their certificate rates are some of the best in the industry.
| Account Type | Interest Rate |
|---|---|
| Savings Account | 0.05% APY |
| Premier Checking Account | 0.05% APY |
| 60-Month Certificate Account | 0.75% APY |
Whether you’re in the market for a checking, savings, or certificate account, APGFCU’s interest rates are definitely worth considering as you make your decision.
APGFCU Credit Card Options
APGFCU offers a range of credit cards to suit different lifestyles and spending habits. These cards come with various features and benefits, including cashback rewards, low APRs, and no annual fees. Here are some of the available options:
- Cash Rewards Visa: This card lets you earn 1.5% cashback on every purchase, with no limit on earnings. You can redeem rewards as statement credits, direct deposits, or checks. The APR for purchases and balance transfers starts at 14.24% and varies based on creditworthiness. There is no annual fee.
- Platinum Rewards Visa: With this card, you can earn one point for every dollar spent on eligible purchases. Points can be redeemed for cash back, merchandise, travel, and more. The APR for purchases and balance transfers starts at 9.99% and varies based on creditworthiness. There is no annual fee.
- Visa Signature Preferred Rewards: This card offers elevated rewards and benefits for high spenders. You can earn up to 3% cashback on eligible purchases, depending on your level of spending. You also get access to travel, dining, and shopping perks, such as concierge service and exclusive offers. The APR for purchases and balance transfers starts at 14.24% and varies based on creditworthiness. There is a $49 annual fee.
In addition to these cards, APGFCU also has specialized options for students and business owners.
APGFCU Credit Card Features
All APGFCU credit cards come with a range of features and benefits that can help you manage your finances, protect your purchases, and simplify your life:
- Online and mobile account access: You can view your account balance, transactions, and rewards, as well as make payments and set up alerts, from anywhere, anytime.
- Fraud protection: APGFCU uses advanced security measures to monitor your account for suspicious activity and help prevent fraud. You can also sign up for eGuard to get extra protection.
- Travel and purchase benefits: Depending on your card, you may be eligible for perks such as travel accident insurance, auto rental collision coverage, extended warranties, and price protection.
- Balance transfer and cash advance options: You can transfer balances from other cards or take out cash advances, subject to fees and interest rates.
Comparing APGFCU Credit Cards
If you’re not sure which APGFCU credit card is right for you, you can compare their features and fees using this table:
| Card name | Cashback/rewards | APR (purchases/balance transfers) | Annual fee |
|---|---|---|---|
| Cash Rewards Visa | 1.5% cashback on every purchase, no limit | 14.24% and up, based on creditworthiness | None |
| Platinum Rewards Visa | 1 point per dollar spent, redeemable for cash back, merchandise, travel, and more | 9.99% and up, based on creditworthiness | None |
| Visa Signature Preferred Rewards | Up to 3% cashback on eligible purchases, depending on spending | 14.24% and up, based on creditworthiness | $49 |
Overall, APGFCU credit cards offer a variety of options and benefits for different types of consumers. Whether you’re looking for cashback rewards, low APRs, or travel perks, there’s a card that can fit your needs. Plus, with online and mobile access, fraud protection, and other features, you can feel confident in using your APGFCU credit card for all your purchases and expenses.
APGFCU mobile banking app
If you are looking for a convenient way to manage your finances, the APGFCU mobile banking app is a great option. With this app, you can have access to your accounts 24/7, check your balances, view transaction history, transfer funds, pay bills, and even deposit checks from your smartphone or tablet. The APGFCU mobile banking app is designed to be user-friendly and easy to navigate, making it simple to handle your financial needs from virtually anywhere.
Benefits of APGFCU mobile banking app
- Manage accounts 24/7
- Check balances
- View transaction history
- Transfer funds
- Pay bills
- Deposit checks from your smartphone or tablet
Ease of use
The APGFCU mobile banking app is designed to be user-friendly and easy to navigate. The app is available for iPhone, iPad, and Android devices so you can access your accounts from anywhere and at any time. The app’s interface is straightforward, with icons that are easy to recognize and understand which make it easy for even the most technologically challenged individuals to use.
One of the best things about the app is that it allows you to access your accounts securely and quickly, making it easy to manage your finances, whether you’re at home or on the go.
Mobile deposit feature
The mobile deposit feature is one of the highlights of the APGFCU mobile banking app. With this feature, you can deposit checks remotely by taking a picture of the front and back of the check within the app. This saves you the time and hassle of having to visit a bank branch to deposit a check manually.
The mobile deposit feature is secure and easy to use. The app will guide you through the process of depositing a check, and you’ll receive a confirmation once the check has been deposited successfully.
Security features
The APGFCU mobile banking app has a range of security features designed to protect your financial information. The app uses encryption to keep your data secure and also employs multi-factor authentication to ensure that only authorized users can access your accounts.
| Security Features | Description |
|---|---|
| Touch ID/Face ID | The app allows you to secure access with your fingerprint or facial recognition. |
| Two-factor authentication | The app uses two-factor authentication to verify your identity before accessing sensitive information. |
| Encryption | The app uses encryption to protect your data during transit. |
| Activity alerts | You’ll receive alerts for any suspicious activity on your account to keep you informed and secure. |
The APGFCU mobile banking app also allows you to manage your debit and credit card security, including the ability to set up transaction alerts and lock and unlock your cards if they are lost or stolen.
In conclusion, the APGFCU mobile banking app is a great way to manage your finances. With its easy-to-use interface, mobile deposit feature, and security options, you can quickly and efficiently handle your banking needs from the palm of your hand.
APGFCU savings account options
APGFCU is a well-known credit union that offers a variety of savings account options to fit the needs of its members. In this article, we will explore the different APGFCU savings account options available to you.
- Membership Share Account: This is the primary savings account offered by APGFCU, and it is required to become a member. This account earns interest, and it has no monthly fee.
- Kids Club Savings Account: This account is designed for children under 13 years old. It has no minimum balance requirement, and it earns interest. Kids Club members receive a badge for each $5 they deposit, which can be redeemed for prizes.
- Certificate Accounts: APGFCU offers a range of certificate accounts with varying terms and interest rates. These accounts require a minimum deposit and offer a higher rate of return than a standard savings account.
Now, let’s dive deeper into the different savings account options offered by APGFCU.
The APGFCU Membership Share Account is required to become a member of the credit union. This account has no minimum balance requirement and no monthly fees. It also earns interest, which is compounded and credited monthly. The interest rate is competitive, and it is tiered based on the account balance.
The APGFCU Kids Club Savings Account is a great way to teach children the importance of saving money. This account has no minimum balance requirement and no monthly fees. Additionally, it earns interest at a competitive rate. Kids Club members receive a badge for each $5 they deposit, up to $50. These badges can be redeemed for prizes, such as a piggy bank or a backpack. By opening a Kids Club Savings Account, children can learn about financial responsibility in a fun and educational way.
Certificate Accounts are a great option for those who want to earn a higher rate of return on their savings. APGFCU offers a variety of terms, ranging from 6 months to 5 years. The interest rates vary based on the term and the account balance. Certificate Accounts require a minimum deposit and have penalties for early withdrawal. However, if you can commit to leaving your money in the account for the full term, you can earn a competitive rate of return.
| Certificate Account Term | Minimum Deposit | Interest Rate |
|---|---|---|
| 6 months | $500 | 0.15% |
| 1 year | $500 | 0.25% |
| 2 years | $500 | 0.30% |
| 3 years | $500 | 0.35% |
| 4 years | $500 | 0.40% |
| 5 years | $500 | 0.50% |
In conclusion, APGFCU offers a range of savings account options to fit the needs of its members. Whether you’re opening a Membership Share Account to become a member or a Certificate Account to earn a higher rate of return, APGFCU has you covered. Don’t forget to check out the Kids Club Savings Account, which is a great way to teach children about financial responsibility.
FAQs on is APGFCU a good bank
1. Is APGFCU a trustworthy bank?
Yes, APGFCU is a trustworthy bank. It is insured by the National Credit Union Administration (NCUA) and has been serving its members since 1938.
2. Does APGFCU offer good interest rates?
Yes, APGFCU offers competitive interest rates on savings accounts, checking accounts, and loans.
3. Is APGFCU easily accessible?
APGFCU has a network of branches and ATMs in Maryland and Delaware. It also offers online banking and mobile banking services, making it easy for members to access their accounts anytime, anywhere.
4. Does APGFCU offer a variety of financial products and services?
Yes, APGFCU offers a wide range of financial products and services, including checking accounts, savings accounts, loans, mortgages, credit cards, and investment services.
5. Does APGFCU have good customer service?
APGFCU has a reputation for providing excellent customer service. Members can contact the credit union by phone, email, or chat, and they can also visit a branch for in-person assistance.
6. Is APGFCU involved in the community?
Yes, APGFCU is committed to supporting the communities it serves. It has a charitable foundation that provides grants to local nonprofits and a volunteer program that encourages employees to give back.
7. Can anyone join APGFCU?
No, APGFCU is a credit union for current and former employees of select companies and organizations, as well as their family members.
Closing Thoughts
If you’re looking for a trustworthy and convenient banking partner, APGFCU is a great choice. With competitive interest rates, a variety of financial products and services, excellent customer service, and a commitment to giving back to the community, APGFCU stands out as one of the best credit unions in Maryland and Delaware. Thank you for reading and consider joining APGFCU for all your banking needs.