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Aberdeen Proving Ground FCU

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Aberdeen Proving Ground FCU Rates & Review September 2026

Q: Is a member application needed to join Aberdeen Proving Ground FCU?

Yes, to access services at Aberdeen Proving Ground FCU, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Aberdeen Proving Ground FCU provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 16, 2026

Aberdeen Proving Ground FCU's Jumbo 7/1 ARM rates are at 5.62%, Mortgage Rates - 7/1 ARM rates are at 5.62%, Jumbo 5/1 ARM rates are at 5.38%, Mortgage Rates - 10/1 ARM rates are at 6.00%, Mortgage Rates - 5/1 ARM rates are at 5.38%. Aberdeen Proving Ground FCU's Personal Loan Rates are as low as 6.49%. Aberdeen Proving Ground FCU's Credit Card Rates are at 12.49%. MonitorBankRates evaluates the financial stability of Aberdeen Proving Ground FCU with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.85%. Rates last updated and verified on 09/16/2026.

Aberdeen Proving Ground FCU money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Aberdeen Proving Ground FCU? Share your experience about Aberdeen Proving Ground FCU by leaving a review below, or read customer reviews before you decide to use Aberdeen Proving Ground FCU.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.85%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Aberdeen Proving Ground FCU
Edgewood Operations Center

1321 Pulaski Hwy
Edgewood, MD 21040-1502

https://www.apgfcu.com

Aberdeen Proving Ground FCU Checking Rates

Product	Rate	APY	View More
High Yield Checking	-	4.00%
Min Balance $20,000 Details On Balances Up to $20,000 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%

Aberdeen Proving Ground FCU Mortgage Rates

Product	Rate	Points	APR	Term
Jumbo 7/1 ARM	5.63%	0.000	6.24%	7/1 ARM
Details The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $850,000 and an estimated property value of $1,062,500. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 780. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Mortgage Rates - 7/1 ARM	5.63%	0.000	6.29%	7/1 ARM
Details The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $300,000 and an estimated property value of $400,000. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 780. An escrow account for the payment of property taxes and/or homeowner's insurance may not be available for this product. APR and payment are subject to increase after loan consummation. Rate is fixed for the first 5, 7 or 10 seven years respectively, and adjusts annually thereafter, based on the fully indexed rate. The fully indexed rate is arrived at by adding the weekly average yield of the 1-Year Constant Maturity Treasury plus a margin of 2.75%, rounded to the nearest 1/8%. The initial rate can change every year after the first 5, 7 or 10-year fixed period by no more than two percentage points, never to exceed five percentage points above the initial rate. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Jumbo 5/1 ARM	5.38%	0.000	6.30%	5/1 ARM
Details The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $850,000 and an estimated property value of $1,062,500. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 780. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Mortgage Rates - 10/1 ARM	6.00%	0.000	6.33%	10/1 ARM
Details The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $300,000 and an estimated property value of $400,000. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 780. An escrow account for the payment of property taxes and/or homeowner's insurance may not be available for this product. APR and payment are subject to increase after loan consummation. Rate is fixed for the first 5, 7 or 10 seven years respectively, and adjusts annually thereafter, based on the fully indexed rate. The fully indexed rate is arrived at by adding the weekly average yield of the 1-Year Constant Maturity Treasury plus a margin of 2.75%, rounded to the nearest 1/8%. The initial rate can change every year after the first 5, 7 or 10-year fixed period by no more than two percentage points, never to exceed five percentage points above the initial rate. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Mortgage Rates - 5/1 ARM	5.38%	0.000	6.35%	5/1 ARM
Details The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $300,000 and an estimated property value of $400,000. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 780. An escrow account for the payment of property taxes and/or homeowner's insurance may not be available for this product. APR and payment are subject to increase after loan consummation. Rate is fixed for the first 5, 7 or 10 seven years respectively, and adjusts annually thereafter, based on the fully indexed rate. The fully indexed rate is arrived at by adding the weekly average yield of the 1-Year Constant Maturity Treasury plus a margin of 2.75%, rounded to the nearest 1/8%. The initial rate can change every year after the first 5, 7 or 10-year fixed period by no more than two percentage points, never to exceed five percentage points above the initial rate. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Mortgage Rates - 15 Year Fixed	6.50%	0.375	6.74%	15 Year
Details The information provided assumes the purpose of the loan is to purchase a property with a loan amount of $300,000 and an estimated property value of $400,000. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 780. An escrow account for the payment of property taxes and/or homeowner's insurance may not be available for this product. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Jumbo 15 Year Fixed	6.63%	0.375	6.78%	15 Year
Details The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $850,000 and an estimated property value of $1,062,500. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 780. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Mortgage Rates - 30 Year Fixed	7.00%	0.125	7.13%	30 Year
Details The information provided assumes the purpose of the loan is to purchase a property with a loan amount of $300,000 and an estimated property value of $400,000. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 780. An escrow account for the payment of property taxes and/or homeowner's insurance may not be available for this product. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
VA 30 Year Fixed	6.75%	0.125	7.18%	30 Year
Details The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $306,450 and an estimated property value of $300,000. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 720. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Mortgage Rates - 20 Year Fixed	7.00%	0.250	7.19%	20 Year
Details The information provided assumes the purpose of the loan is to purchase a property with a loan amount of $300,000 and an estimated property value of $400,000. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 780. An escrow account for the payment of property taxes and/or homeowner's insurance may not be available for this product. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Jumbo 30 Year Fixed	7.13%	-0.125	7.19%	30 Year
Details The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $850,000 and an estimated property value of $1,062,500. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 780. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
USDA 30 Year Fixed	6.75%	0.000	7.28%	30 Year
Details The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $301,800 and an estimated property value of $300,000. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 720. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Mortgage Rates - FHA 30 Year Fixed	6.63%	0.375	7.47%	30 Year
Details The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $305,250 and an estimated property value of $300,000. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 700. Loan payment example: A FHA (96.5% LTV) loan of $305,250 for 30 years at 6.625% rate (7.790% APR) will have a principal, interest, and private mortgage insurance monthly payment of $2,092.05. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%

Aberdeen Proving Ground FCU Auto Loan Rates

Product	Rate	Points	APR	Term
Used Car & Truck Loan	-	-	4.94%	1-36 months
Details Automated Payments APR as low as; To qualify for the Automated Payment Interest Rate, at the time of loan settlement you must establish an automated loan payment from an APGFCU account to repay your loan. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Used Car & Truck Loan	-	-	5.19%	37-51 months
Details Automated Payments APR as low as; To qualify for the Automated Payment Interest Rate, at the time of loan settlement you must establish an automated loan payment from an APGFCU account to repay your loan. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Used Car & Truck Loan	-	-	5.44%	52-63 months
Details Automated Payments APR as low as; To qualify for the Automated Payment Interest Rate, at the time of loan settlement you must establish an automated loan payment from an APGFCU account to repay your loan. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Used Car & Truck Loan	-	-	5.84%	64-75 months
Details Automated Payments APR as low as; Minimum loan amount is $20,000; To qualify for the Automated Payment Interest Rate, at the time of loan settlement you must establish an automated loan payment from an APGFCU account to repay your loan. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Used Car & Truck Loan	-	-	6.74%	76-84 months
Details Automated Payments APR as low as; Minimum loan amount is $20,000; To qualify for the Automated Payment Interest Rate, at the time of loan settlement you must establish an automated loan payment from an APGFCU account to repay your loan. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%

Aberdeen Proving Ground FCU Student Loan Rates

Product	Rate	Points	APR	Term	View More
Education Loan	-	-	5.49%
Details To qualify for the Automated Payment Interest Rate, at the time of loan settlement you must establish an automated loan payment from an APGFCU account to repay your loan. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%

Aberdeen Proving Ground FCU Credit Card Rates

Product	Rate	APR	View More
Visa Platinum Preferred Credit Card	-	12.49%
Details Intro/promo APR: 0%*; Intro rate expires: 15 Months; Regular APR: 12.49% - 17.99%. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%

Aberdeen Proving Ground FCU Personal Loan Rates

Product	APR	Term
Personal Loan	6.49%	1-36 months
Details Includes .25% auto pay rate discount. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Personal Loan	8.19%	37-48 months
Details Includes .25% auto pay rate discount. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Personal Loan	9.19%	49-60 months
Details Includes .25% auto pay rate discount. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Personal Loan	10.44%	61-72 months
Details Includes .25% auto pay rate discount. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Personal Loan	10.69%	73-84 months
Details Includes .25% auto pay rate discount. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%

Aberdeen Proving Ground FCU Other Rates

Product	Rate	Points	APY/APR	Term
Home Improvement Loan	-	-	5.99%
Details To qualify for the Automated Payment Interest Rate, at the time of loan settlement you must establish an automated loan payment from an APGFCU account to repay your loan. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
New Home Loan	-	-	9.09%	1-180 months
Details Loan Amount: $24,999 and below; Rates reflect a 0.25% discount for Automated Payments. To qualify for the Automated Payment Interest Rate, at the time of loan settlement, you must establish an automated payment from an APGFCU account to repay your loan. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
New Home Loan	-	-	9.34%	1-240 months
Details Loan Amount: $25,000 to $49,999; Rates reflect a 0.25% discount for Automated Payments. To qualify for the Automated Payment Interest Rate, at the time of loan settlement, you must establish an automated payment from an APGFCU account to repay your loan. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
New Home Loan	-	-	9.59%	1-240 months
Details Loan Amount: $50,000 and above; Rates reflect a 0.25% discount for Automated Payments. To qualify for the Automated Payment Interest Rate, at the time of loan settlement, you must establish an automated payment from an APGFCU account to repay your loan. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Aberdeen Proving Ground FCU’s Texas Ratio fell from 6.13% in Q2 2023 to 3.85% in Q1 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$2.6B	3.85%	5.0	A+
December 31, 2025	$2.6B	5.79%	5.0	A+
September 30, 2025	$2.5B	5.98%	5.0	A+
June 30, 2025	$2.5B	6.40%	5.0	A
March 31, 2025	$2.4B	5.60%	5.0	A+
December 31, 2024	$2.4B	7.80%	5.0	A
September 30, 2024	$2.4B	6.92%	5.0	A
June 30, 2024	$2.4B	6.76%	5.0	A
March 31, 2024	$2.4B	6.95%	5.0	A
December 31, 2023	$2.3B	7.74%	5.0	A
September 30, 2023	$2.2B	6.68%	5.0	A
June 30, 2023	$2.2B	6.13%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Aberdeen Proving Ground FCU is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Aberdeen Proving Ground FCU rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Aberdeen Proving Ground FCU's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Aberdeen Proving Ground FCU

Website https://www.apgfcu.com

Address 1321 Pulaski Hwy, Edgewood, MD 21040-1502

Phone 410-272-4000

Fax 410-612-2316

President Donald Burnett

CEO Becky Smith

Full-Time Employees 419

Part-Time Employees 10

Branch Locations 18

ATM Locations 18

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.85%

Return on Assets (ROA)

0.1196%

Return on Equity (ROE)

1.3181%

Non-Performing Loans Ratio (NPL)

0.46%

Total Assets

2,645,710,952

Total Amount of Shares and Deposits

2,368,710,099

Total Shares and Deposits < 1 Year

2,182,912,926

Total Shares and Deposits 1 3 Years

86,461,702

Total Shares and Deposits > 3 Years

99,335,471

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

146,174,618

Total Uninsured Shares and Deposits > $250K (F+J)

146,174,618

Total Insured Shares and Deposits > $250K (item 17 less item K)

2,222,535,481

Total Interest Expense (Sum of items 6 8)

10,138,123

Share Certificates

25,207

Number of Accounts for Share Drafts

76,156

IRA KEOGH Accounts

5,676

Number of Accounts for Regular Shares

176,106

Money Market Shares

2,942

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

157,023,342

Total Liabilities

2,402,409,761

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Aberdeen Proving Ground FCU earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Frequently Asked Questions About Aberdeen Proving Ground FCU

How many branches does Aberdeen Proving Ground FCU operate?

Aberdeen Proving Ground FCU currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Aberdeen Proving Ground FCU?

Yes, to access services at Aberdeen Proving Ground FCU, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Aberdeen Proving Ground FCU does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Aberdeen Proving Ground FCU provides members with tools to manage their accounts and build a solid financial history.

Does Aberdeen Proving Ground FCU offer online and mobile banking?

Most modern institutions like Aberdeen Proving Ground FCU provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.apgfcu.com.