Join us at APL Federal Credit Union

Become a member of APL Federal Credit Union where we put our members first! Enjoy great rates, the lowest fees in town**, and lots of free services!

Howard County’s Community
Credit Union

As a not-for-profit credit union, we put our members first and strive to improve lives and make a positive impact in the community. Join today and experience the difference of banking with APL Federal Credit Union.

  • Lowest fees in town**

  • Great Rates

  • Lots of Free Services

  • Winner of Best of Howard

Why APL FCU? Membership Application 

Products and Services We Offer

  • Savings Accounts with Free Checking
  • High Yield Certificates of Deposits
  • Money Market/IRA Money Market
  • Free Bill Pay/Zelle®
  • Online and Mobile Banking
  • Financial Education Resources

Great Rates, More Savings

New and Used Autos

4.99%APR*

Personal Loan (variable)

12.50%APR*

Home Equity Line of Credit

7.50%APR*

IRA MONEY MARKET

1.50%APY*

Whether you’re saving or borrowing, we offer competitive rates to help secure your financial goals.

Location Image

Main Office

Location Icon 11050 Johns Hopkins Road, Laurel MD 20723

    Hours group iconBranch Hours

  • Mon., Tues., Thurs & Fri. – 8:30 a.m. to 4:30 p.m.
  • Wednesday – 9:30 a.m. to 4:30 p.m.
  • Saturday – 9:00 a.m. to noon

    Hours group iconDrive-Thru Hours

  • Mon., Tues., Thurs & Fri. – 8:00a.m. to 6:00 p.m.
  • Wednesday – 9:30 a.m. to 6:00p.m.
  • Saturday – 9:00 a.m. to noon
Get Directions Call: 443.778.5250 
Location Image

Columbia Branch

Location Icon 8870 McGaw Rd, Columbia MD 21045

    Hours group iconBranch Hours

  • Mon., Tues., Thurs & Fri. – 8:30 a.m. to 4:30 p.m.
  • Wednesday – 9:30 a.m. to 4:30 p.m.
  • Saturday – 9:00 a.m. to noon

    Hours group iconDrive-Thru Hours

  • Mon., Tues., Thurs & Fri. – 8:00a.m. to 6:00 p.m.
  • Wednesday – 9:30 a.m. to 6:00p.m.
  • Saturday – 9:00 a.m. to noon
Get Directions Call: 410.309.3500 

Apply and Join APL Federal Credit Union Today!

* APR = Annual Percentage Rate.  APY = Annual Percentage Yield. Rates effective as of 5.6.2025 and are subject to change without notice.

** 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.