As Howard County’s Community Credit Union, 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.


Lowest Fees in Town

As a Credit Union, we are a member-owned financial institution, which means our mission is to serve the needs of our members, not to increase profits for outside shareholders. That’s why we maintain the lowest fees of any full-service bank or credit union in the area, year after year*.

Great Rates, Too

In addition to our low fees, we keep our loan rates as low as possible. We offer great rates on vehicle loans, first and second mortgages, credit cards and personal loans that could save you thousands of dollars in interest and fees compared to what some other lenders may charge.

And Lots of Free Services

On top of our low fees and great rates, we strive to provide our members unsurpassed value by offering a variety of free and low-cost services, including free checking and debit cards, free online and mobile banking, free bill pay, and much more.

*Based on a comparison of fees/average assets of full-service financial institutions in the Howard County area. Courtesy of Callahan and Associates, Inc., a leading provider of data and analytics for the credit union industry. 

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