12 Months for 4.07% APY* !
Our Certificates of Deposit (CDs) offer a safe and reliable way to get guaranteed returns, helping to maximize your money.
Apply for a VISA Rewards Card Today!
Earn more and pay less with our Rewards Credit Card. Get 1.5% cash back on purchases and enjoy a low interest rate—nearly half the national average.
Not a Member? Join Today!
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.
Financial Education with Banzai!
In-depth lessons and resources to help you dive into the financial topics you care most about.
Apply for a VISA Rewards Card Today!
Earn more and pay less with our Rewards Credit Card. Get 1.5% cash back on purchases and enjoy a low interest rate—nearly half the national average.
Apply for a VISA Rewards Card Today!
Earn more and pay less with our Rewards Credit Card. Get 1.5% cash back on purchases and enjoy a low interest rate—nearly half the national average.
12 Months for 4.07% APY* !
Our Certificates of Deposit (CDs) offer a safe and reliable way to get guaranteed returns, helping to maximize your money.
Apply for a VISA Rewards Card Today!
Earn more and pay less with our Rewards Credit Card. Get 1.5% cash back on purchases and enjoy a low interest rate—nearly half the national average.
Not a Member? Join Today!
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.
Financial Education with Banzai!
In-depth lessons and resources to help you dive into the financial topics you care most about.
Routing Number #255077998
Apply for a VISA Rewards Card Today!
Earn more and pay less with our Rewards Credit Card. Get 1.5% cash back on purchases and enjoy a low interest rate—nearly half the national average.
Home | eStatement Notification
Online Statements are available through eBranch and our Mobile App. Log in and select eDocuments under the Accounts tab. You will have the ability to review your most recent statement and up to the previous 24 periodic statements. Avoid delays in paper statement delivery and sign up for eStatements today!

Thank you to everyone who donated to our annual Toys for Tots drive and to those who jumped into support our spur-of-the-moment food drive. Your generosity and willingness to help—especially on such short notice—truly made a difference in our community this season.


Tap to Add Card will be available soon! This wallet-enabled feature lets you add your physical card to your mobile wallet by simply tapping your card on your phone—no manual typing in card details or taking a photo required.
With Tap to Add Card, you will be able to add a card to your wallet, without entering the security code, quickly and seamlessly.
This feature will be available in mid-January.
All necessary changes to enable the Tap to Add Card feature will be implemented by APL Federal Credit Union on your behalf—no additional action is reqired for setup.
As part of the One Big Beautiful Bill Act, interest paid on an auto loan may be tax deductible. However, to qualify for the deduction, certain criteria must be met. This includes specific vehicle requirements and income restrictions.
Because the bill was passed in the second half of the year, lenders like APL FCU are not required to provide a 2025 tax form for auto loan interest paid. A tax form will be provided beginning with tax year 2026. For 2025 you should view your December statement (or the statement from the last month you paid interest if you paid off or closed the loan during the year) and look for Loan Interest YTD under your auto loan to determine the total interest paid.
Please note: APL FCU is sharing this for informational purposes only. Please consult your tax advisor on the deductibility of auto loan interest charges.
If you are currently an APL FCU member, please sign into Digital Banking to open new accounts and/or apply for a loan.