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Aberdeen Proving Ground FCU Rates & Review April 2026

Aberdeen Proving Ground FCU's MyTimes Plus (members 65 and over) CD 12 month rates are at 3.70%, Jumbo CD 12 month rates are at 3.60%, Jumbo CD 6 month rates are at 3.60%, Standard and IRA CD 12 month rates are at 3.60%, Standard and IRA CD 6 month rates are at 3.60%. Aberdeen Proving Ground FCU's savings rates are at 2.00%. Aberdeen Proving Ground FCU's money market rates are at 0.00%. Aberdeen Proving Ground FCU's 15 Year Fixed rates are at 5.50%, Jumbo 15 Year Fixed rates are at 5.62%, 20 Year Fixed rates are at 5.75%, Jumbo 7/1 ARM rates are at 5.38%, Jumbo 5/1 ARM rates are at 5.12%. Aberdeen Proving Ground FCU's Personal Loan Rates are at 6.24%. 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 6.61%. Rates were last updated on 04/17/2026.

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.

Overall Health & Safety Grade ?
A
Excellent Health Score: 97/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
6.61%
Excellent Higher than avg
Aberdeen Proving Ground FCU
Edgewood Operations Center
1321 Pulaski Hwy
Edgewood, MD 21040 1502
https://www.apgfcu.com
Member NCUA

Aberdeen Proving Ground FCU CD Rates

Product Rate APY Term View More
MyTimes Plus (members 65 and over) Certificate 12 month 3.64% 3.70% 12 Months
Min Balance $100
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Jumbo Certificate 12 month 3.55% 3.60% 12 months
Min Balance $50,000
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Jumbo Certificate 6 month 3.55% 3.60% 6 months
Min Balance $50,000
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Standard and IRA Certificate 12 month 3.55% 3.60% 12 months
Min Balance $100
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Standard and IRA Certificate 6 month 3.55% 3.60% 6 months
Min Balance $100
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Member Rewards Gold Certificate 48 month 3.50% 3.55% 48 months
Min Balance $100
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Member Rewards Gold Certificate 60 month 3.50% 3.55% 60 months
Min Balance $100
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Member Rewards Gold Certificate 84 month 3.50% 3.55% 84 months
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
MyTimes (members 50 and over) Certificate 36 month 3.50% 3.55% 36 Months
Min Balance $100
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Member Rewards Silver Certificate 48 month 3.38% 3.43% 48 months
Min Balance $100
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Member Rewards Silver Certificate 60 month 3.38% 3.43% 60 months
Min Balance $100
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Member Rewards Silver Certificate 84 month 3.38% 3.43% 84 months
Min Balance $100
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Standard and IRA Certificate 18 month 3.25% 3.30% 18 months
Min Balance $100
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Standard and IRA Certificate 24 month 3.25% 3.30% 24 months
Min Balance $100
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Standard and IRA Certificate 30 month 3.25% 3.30% 30 months
Min Balance $100
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Standard and IRA Certificate 48 month 3.25% 3.30% 48 months
Min Balance $100
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Standard and IRA Certificate 60 month 3.25% 3.30% 60 months
Min Balance $100
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Standard and IRA Certificate 84 month 3.25% 3.30% 84 months
Min Balance $100
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Super Certificate 24 month 3.25% 3.30% 24 months
Min Balance $25,000
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Super Certificate 30 month 3.25% 3.30% 30 months
Min Balance $25,000
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Super Certificate 48 month 3.25% 3.30% 48 months
Min Balance $25,000
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Super Certificate 60 month 3.25% 3.30% 60 months
Min Balance $25,000
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Super Certificate 84 month 3.25% 3.30% 84 months
Min Balance $25,000
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Step-Up Certificate 25 month Step-Up 3.21% 3.25% 25 month Step-Up
Min Balance $100
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Step-Up Certificate 45 month Step-Up 3.21% 3.25% 45 month Step-Up
Min Balance $100
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Jumbo Certificate 3 month 2.91% 2.95% 3 months
Min Balance $50,000
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade

Aberdeen Proving Ground FCU Savings Rates

Product Rate APY View More
U Educate Summer Savings Account 1.99% 2.00%
Details Qualifying balance up to $10,000.00
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade

Aberdeen Proving Ground FCU Money Market Rates

Product Rate APY View More
High Yield Money Market Account 2.22% 2.25%
Min Balance $750,000
Details $750,000 and up
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
High Yield Money Market Account 1.98% 2.00%
Min Balance $500,000
Details $500,000 - $749,999.99
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
High Yield Money Market Account 1.48% 1.50%
Min Balance $200,000
Details $200,000 - $499,999.99
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
High Yield Money Market Account 1.24% 1.25%
Min Balance $125,000
Details $125,000 - $199,999.99
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
High Yield Money Market Account 0.99% 1.00%
Min Balance $75,000
Details $75,000 - $124,999.99
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Tiered Money Market 0.99% 1.00%
Min Balance $100,000
Details $100,000 and above
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Tiered Money Market IRA 0.99% 1.00%
Min Balance $100,000
Details $100,000 and above
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Tiered Money Market 0.74% 0.75%
Min Balance $50,000
Details $50,000 to $99,999.99
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Tiered Money Market IRA 0.74% 0.75%
Min Balance $50,000
Details $50,000 to $99,999.99
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Tiered Money Market 0.49% 0.50%
Min Balance $25,000
Details $25,000 to $49,999.99
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Tiered Money Market IRA 0.49% 0.50%
Min Balance $25,000
Details $25,000 to $49,999.99
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Tiered Money Market 0.39% 0.40%
Min Balance $15,000
Details $15,000 to $24,999.99
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Tiered Money Market IRA 0.39% 0.40%
Min Balance $15,000
Details $15,000 to $24,999.99
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Tiered Money Market 0.34% 0.35%
Details $0 to $2,499.99 (fee applies)
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Tiered Money Market IRA 0.34% 0.35%
Min Balance $100
Details $100 to $14,999.99
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
High Yield Money Market Account - 0.00%
Details Up to $74,999.99
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade

Aberdeen Proving Ground FCU Checking Rates

Product Rate APY View More
High Yield Checking - 4.00%
Details Qualifying balance up to $20,000
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Member Protect Checking 0.25% 0.25%
Min Balance $20,000
Details Qualifications Required: opt out of paper statements from APGFCU; ongoing qualifying direct deposit of at least $200 per month; complete a minimum of 20 qualifying Point-Of-Sale (POS) purchase transactions per month using an APGFCU Visa Debit Card; The Member Protect Checking account has a $6.00 monthly fee. This fee is waived if you opt out of paper statements from APGFCU, have an ongoing qualifying direct deposit** of at least $200 per month into your Member Protect Checking account, and complete a minimum of 20 qualifying Point-Of-Sale (POS) purchase transactions*** per month using an APGFCU Visa Debit Card linked to the Member Protect Checking Account. Member Protect Checking is limited to one per member (per membership). APY is accurate as of the last dividend declaration date. No minimum balance to open. Fees may reduce earnings on account. DIVIDEND RATES MAY CHANGE AFTER ACCOUNT IS OPENED. Dividends are earned from day of deposit to day of withdrawal, compounded and credited monthly. Federal regulations prohibit dividends in excess of available earnings.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Member Protect Checking 0.15% 0.15%
Min Balance $10,000
Details Qualifications Required: opt out of paper statements from APGFCU; ongoing qualifying direct deposit of at least $200 per month; complete a minimum of 20 qualifying Point-Of-Sale (POS) purchase transactions per month using an APGFCU Visa Debit Card; The Member Protect Checking account has a $6.00 monthly fee. This fee is waived if you opt out of paper statements from APGFCU, have an ongoing qualifying direct deposit** of at least $200 per month into your Member Protect Checking account, and complete a minimum of 20 qualifying Point-Of-Sale (POS) purchase transactions*** per month using an APGFCU Visa Debit Card linked to the Member Protect Checking Account. Member Protect Checking is limited to one per member (per membership). APY is accurate as of the last dividend declaration date. No minimum balance to open. Fees may reduce earnings on account. DIVIDEND RATES MAY CHANGE AFTER ACCOUNT IS OPENED. Dividends are earned from day of deposit to day of withdrawal, compounded and credited monthly. Federal regulations prohibit dividends in excess of available earnings.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
High Yield Checking 0.05% 0.05%
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Member Protect Checking 0.05% 0.05%
Details Qualifications Required: opt out of paper statements from APGFCU; ongoing qualifying direct deposit of at least $200 per month; complete a minimum of 20 qualifying Point-Of-Sale (POS) purchase transactions per month using an APGFCU Visa Debit Card; The Member Protect Checking account has a $6.00 monthly fee. This fee is waived if you opt out of paper statements from APGFCU, have an ongoing qualifying direct deposit** of at least $200 per month into your Member Protect Checking account, and complete a minimum of 20 qualifying Point-Of-Sale (POS) purchase transactions*** per month using an APGFCU Visa Debit Card linked to the Member Protect Checking Account. Member Protect Checking is limited to one per member (per membership). APY is accurate as of the last dividend declaration date. No minimum balance to open. Fees may reduce earnings on account. DIVIDEND RATES MAY CHANGE AFTER ACCOUNT IS OPENED. Dividends are earned from day of deposit to day of withdrawal, compounded and credited monthly. Federal regulations prohibit dividends in excess of available earnings.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Standard Checking 0.05% 0.05%
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade

Aberdeen Proving Ground FCU Mortgage Rates

Product Rate Points APR Term View More
15 Year Fixed 5.50% 0.250 5.71%
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Jumbo 15 Year Fixed 5.63% 0.250 5.75%
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
20 Year Fixed 5.75% 0.375 5.93%
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Jumbo 7/1 ARM 5.38% 0.000 5.95%
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Jumbo 5/1 ARM 5.13% 0.000 5.98%
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
7/1 ARM 5.38% 0.000 6.00%
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
5/1 ARM 5.13% 0.000 6.03%
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Jumbo 30 Year Fixed 6.00% 0.250 6.08%
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
10/1 ARM 5.75% 0.000 6.09%
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
30 Year Fixed 6.00% 0.250 6.13%
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
VA 30 Year Fixed 5.75% 0.125 6.14%
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
USDA 30 Year Fixed 5.75% 0.000 6.28%
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
FHA 30 Year Fixed 5.63% 0.375 6.54%
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade

Aberdeen Proving Ground FCU Auto Loan Rates

Product Rate Points APR Term View More
Auto Loans - - 4.79%
Details As Low As
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade

Aberdeen Proving Ground FCU Student Loan Rates

Product Rate Points APR Term View More
Education Loan - - 5.24%
Details As Low As
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade

Aberdeen Proving Ground FCU Personal Loan Rates

Product Rate APR View More
Personal Loan - 6.24%
Details As Low As; Includes .25% auto pay rate discount.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Personal Loans - 6.24%
Details As Low As
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Personal Loan - 7.94%
Details As Low As; Includes .25% auto pay rate discount.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Personal Loan - 8.94%
Details As Low As; Includes .25% auto pay rate discount.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Personal Loan - 10.19%
Details As Low As; Includes .25% auto pay rate discount.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Personal Loan - 10.44%
Details As Low As; Includes .25% auto pay rate discount.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade

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
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 406
Part-Time Employees 9
Branch Locations 18
ATM Locations 17
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.61%
Return on Assets (ROA)
0.8714%
Return on Equity (ROE)
9.3708%
Non-Performing Loans Ratio (NPL)
0.73%
Total Assets
2,526,409,531
Total Amount of Shares and Deposits
2,253,990,204
Total Shares and Deposits < 1 Year
2,051,718,422
Total Shares and Deposits 1 3 Years
104,682,065
Total Shares and Deposits > 3 Years
97,589,717
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
122,383,746
Total Uninsured Shares and Deposits > $250K (F+J)
122,383,746
Total Insured Shares and Deposits > $250K (item 17 less item K)
2,131,606,458
Total Interest Expense (Sum of items 6 8)
29,497,328
Share Certificates
25,494
Number of Accounts for Share Drafts
76,840
IRA KEOGH Accounts
5,759
Number of Accounts for Regular Shares
194,829
Money Market Shares
2,993
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
208,787,817
Total Liabilities
2,293,011,072
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

TDKR
★★★★★
December 17, 2025
aghl
Average Rating
★★★★★
Total Reviews
1
Add Your Rating and Review for Aberdeen Proving Ground FCU
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Frequently Asked Questions About Aberdeen Proving Ground FCU

Is Aberdeen Proving Ground FCU a safe place to deposit money?

Yes, Aberdeen Proving Ground FCU is considered a safe financial institution. With a Texas Ratio of 6.6138498572556%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

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.

Current Aberdeen Proving Ground FCU Rates

  • 12-Month CD3.60%
  • 18-Month CD3.30%
  • 24-Month CD3.25%
  • 60-Month CD3.30%
  • Savings2.00%
  • MMA0.00%
Retrieved from our database of financial products. Rates subject to change.