Monthly News

Our Monthly Electronic Newsletter, On the List, is sent to all members each month with Helpful Hints, Credit Union updates and Community Initiatives.


November 2021

Thank You for Making APL FCU #1 Again!

With your helpful votes, we were named Best Bank/Credit Union in Howard Magazine's "Best of Howard County" poll - for the 4th straight year! Everything we do is for the benefit of our members and we hope that is apparent in our efforts. Please spread the word about our membership eligibility to those you know. APL FCU is open to anyone who lives, works, attends school or regularly conducts business in the county. Family members of an APL FCU member are also eligible to join, even if they don’t live or work in Howard County. more info

Celebrate the Season Sweepstakes

Your everyday banking to-dos could also do some good in the world – and snag you $5,000.

With our Celebrate the Season Sweepstakes, every time you use the mobile app or online banking to pay a bill, send money with Zelle®, set up AutoPay or make an external transfer from now until Dec. 31, you’ll be entered to win one of four $5,000 prizes. And, for every qualifying transaction you make, $1 will be donated to a worthy cause – up to $50,000. Download our mobile banking app now and get ready to rack up the entries today! more info



Soft vs. Hard Credit Checks

There are two types of credit inquires, soft and hard. Check out this video to learn the difference between these two types of credit pulls.

You can request your credit report from for free, once every 12 months, from each of the three major credit bureaus (Equifax, Experian, and TransUnion) without it affecting your credit score. For more information on ways to improve your credit score please contact our member service representatives.

Toys for Tots Foundation Collection

APL FCU will be collecting physical toys and monetary donations for the Toys for Tots Foundation this holiday season. To ensure gifts can be distributed in time for the holidays, please bring your donations to any branch by Friday, December 10th. You may also make a donation directly on the local Toys for Tots official website ( Please help us spread joy to the children most in need. more info


2022 Calendars

Complimentary 2022 APL FCU Calendars will be available for member pick up at each branch location starting Monday, November 29th until supplies last. Select from our large three-month wall calendars, standard wall calendars and wallet calendar cards.





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