What are the current interest rates at Aberdeen Proving Ground FCU?

Current rates for Aberdeen Proving Ground FCU include: 12-Month CD: 3.75%, 18-Month CD: 3.30%, 24-Month CD: 3.25%, 60-Month CD: 3.30%, Savings: 0.20%, MMA: 0.00%

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Aberdeen Proving Ground FCU Rates & Review June 2026

Item: Aberdeen Proving Ground FCU
Rating: 8708
Author: TDKR

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: June 16, 2026

Aberdeen Proving Ground FCU's 9 month rates are at 4.00%, 5 - Month CD Special rates are at 3.90%, 12 month rates are at 3.85%, 12 month rates are at 3.75%, 6 month rates are at 3.60%. Aberdeen Proving Ground FCU's savings rates are at 0.20%. Aberdeen Proving Ground FCU's money market rates are at 0.00%. Aberdeen Proving Ground FCU's Personal Loan Rates are at 6.34%. 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 5.98%. Rates were last updated on 06/16/2026.

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.

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.98%

Excellent Lower than avg

Aberdeen Proving Ground FCU
Edgewood Operations Center

1321 Pulaski Hwy
Edgewood, MD 21040 1502

https://www.apgfcu.com

Aberdeen Proving Ground FCU CD Rates

Product	Rate	APY	Term
9 month	3.94%	4.00%	9 months
Min Balance $100 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.98%
5 - Month Certificate Special	3.84%	3.90%	5 months
Min Deposit $100 Min Balance $100 Details Promotional APY. Rate and promotion are subject to change at any time, without notice. Fees may reduce earnings. Five-month certificate will automatically renew to a six-month term upon maturity unless action is taken. Penalty for early withdrawal. Other restrictions may apply. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.98%
12 month	3.79%	3.85%	12 months
Min Balance $50,000 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.98%
12 month	3.69%	3.75%	12 months
Min Balance $100 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.98%
6 month	3.55%	3.60%	6 months
Min Balance $100 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.98%
36 month	3.50%	3.55%	36 Months
Min Balance $100 Details MyTimes (members 50 and over) Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.98%
48 month	3.50%	3.55%	48 months
Min Balance $100 Details Member Rewards Gold Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.98%
60 month	3.50%	3.55%	60 months
Min Balance $100 Details Member Rewards Gold Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.98%
84 month	3.50%	3.55%	84 months
Min Balance $100 Details Member Rewards Gold Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.98%
48 month	3.38%	3.43%	48 months
Min Balance $100 Details Member Rewards Silver Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.98%
60 month	3.38%	3.43%	60 months
Min Balance $100 Details Member Rewards Silver Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.98%
84 month	3.38%	3.43%	84 months
Min Balance $100 Details Member Rewards Silver Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.98%
18 month	3.25%	3.30%	18 months
Min Balance $100 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.98%
24 month	3.25%	3.30%	24 months
Min Balance $100 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.98%
30 month	3.25%	3.30%	30 months
Min Balance $100 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.98%
48 month	3.25%	3.30%	48 months
Min Balance $100 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.98%
60 month	3.25%	3.30%	60 months
Min Balance $100 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.98%
84 month	3.25%	3.30%	84 months
Min Balance $100 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.98%
25 month Step-Up	3.21%	3.25%	25 month
Min Balance $100 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.98%
45 month Step-Up	3.21%	3.25%	45 month
Min Balance $100 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.98%
3 month	2.91%	2.95%	3 months
Min Balance $50,000 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.98%

Aberdeen Proving Ground FCU Savings Rates

Product	Rate	APY
U Educate Summer Savings Account	1.99%	2.00%
Min Balance $0 Details Dividends will be compounded every quarter and credited to your account every quarter. Federal regulations prohibit dividends in excess of available earnings. APY is accurate as of the last dividend declaration date. Fees may reduce earnings on the account. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.98%
U Educate Summer Savings Account	0.20%	0.20%
Min Balance $10,000 Details Dividends will be compounded every quarter and credited to your account every quarter. Federal regulations prohibit dividends in excess of available earnings. APY is accurate as of the last dividend declaration date. Fees may reduce earnings on the account. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.98%

Aberdeen Proving Ground FCU Money Market Rates

Product	Rate	APY
High Yield Money Market Account	2.22%	2.25%
Min Balance $750,000 Details New money requirement - At least 50% of the opening deposit must come from funds not already on deposit with APGFCU Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.98%
High Yield Money Market Account	1.98%	2.00%
Min Balance $500,000 Details New money requirement - At least 50% of the opening deposit must come from funds not already on deposit with APGFCU Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.98%
High Yield Money Market Account	1.48%	1.50%
Min Balance $200,000 Details New money requirement - At least 50% of the opening deposit must come from funds not already on deposit with APGFCU Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.98%
High Yield Money Market Account	1.24%	1.25%
Min Balance $125,000 Details New money requirement - At least 50% of the opening deposit must come from funds not already on deposit with APGFCU Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.98%
High Yield Money Market Account	0.99%	1.00%
Min Balance $75,000 Details New money requirement - At least 50% of the opening deposit must come from funds not already on deposit with APGFCU Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.98%
Tiered Money Market	0.99%	1.00%
Min Balance $100,000 Details Fees may reduce earnings on the account.; Minimum opening deposit of $2,500; $10 monthly fee if balance falls below $2,500. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.98%
Tiered Money Market IRA	0.99%	1.00%
Min Balance $100,000 Details subject to state and federal rules and penalties, as applicable.; Minimum balance $100; subject to state and federal rules and penalties, as applicable. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.98%
Tiered Money Market	0.74%	0.75%
Min Balance $50,000 Details Fees may reduce earnings on the account.; Minimum opening deposit of $2,500; $10 monthly fee if balance falls below $2,500. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.98%
Tiered Money Market IRA	0.74%	0.75%
Min Balance $50,000 Details subject to state and federal rules and penalties, as applicable.; Minimum balance $100; subject to state and federal rules and penalties, as applicable. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.98%
Tiered Money Market	0.49%	0.50%
Min Balance $25,000 Details Fees may reduce earnings on the account.; Minimum opening deposit of $2,500; $10 monthly fee if balance falls below $2,500. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.98%
Tiered Money Market IRA	0.49%	0.50%
Min Balance $25,000 Details subject to state and federal rules and penalties, as applicable.; Minimum balance $100; subject to state and federal rules and penalties, as applicable. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.98%
Tiered Money Market	0.39%	0.40%
Min Balance $15,000 Details Fees may reduce earnings on the account.; Minimum opening deposit of $2,500; $10 monthly fee if balance falls below $2,500. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.98%
Tiered Money Market IRA	0.39%	0.40%
Min Balance $15,000 Details subject to state and federal rules and penalties, as applicable.; Minimum balance $100; subject to state and federal rules and penalties, as applicable. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.98%
Tiered Money Market	0.34%	0.35%
Min Balance $0 Details Fees may reduce earnings on the account.; Minimum opening deposit of $2,500; $10 monthly fee if balance falls below $2,500. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.98%
Tiered Money Market IRA	0.34%	0.35%
Min Balance $100 Details subject to state and federal rules and penalties, as applicable.; Minimum balance $100; subject to state and federal rules and penalties, as applicable. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.98%
High Yield Money Market Account	-	0.00%
Min Balance $0 Details New money requirement - At least 50% of the opening deposit must come from funds not already on deposit with APGFCU Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.98%

Aberdeen Proving Ground FCU Checking Rates

Product	Rate	APY
High Yield Checking	3.93%	4.00%
Min Balance $0 Details Qualifications Required: opt out of paper statements from APGFCU; an ongoing qualifying direct deposit of at least $200 per month into your High Yield Checking account; complete a minimum of 15 qualifying Point-Of-Sale (POS) purchase transactions per month using an APGFCU Visa® Debit Card linked to the High Yield Checking Account; No monthly maintenance fees or penalties. Rates may change after account opening. Fees may reduce earnings on accounts. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.98%
Member Protect Checking	0.25%	0.25%
Min Balance $20,000 Details 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 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.98%
High Yield Checking	0.20%	0.20%
Min Balance $20,000 Details No monthly maintenance fees or penalties. Rates may change after account opening. Fees may reduce earnings on accounts. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.98%
Member Protect Checking	0.15%	0.15%
Min Balance $10,000 Details 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 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.98%
High Yield Checking	0.05%	0.05%
Min Balance $0 Details No monthly maintenance fees or penalties. Rates may change after account opening. Fees may reduce earnings on accounts. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.98%
Member Protect Checking	0.05%	0.05%
Min Balance $0 Details 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 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.98%
Standard Checking	0.05%	0.05%
Min Balance $0 Details Dividends are earned from day of deposit to day of withdrawal, compounded and credited monthly. Federal regulations prohibit dividends in excess of available earnings. Fees may reduce earnings on account. APY is accurate as of the last dividend declaration date. DIVIDEND RATES MAY CHANGE AFTER ACCOUNT IS OPENED. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.98%

Aberdeen Proving Ground FCU Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loan Refinance Rate	-	-	4.04%
Details As Low As; Learn More Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.98%

Aberdeen Proving Ground FCU Student Loan Rates

Product	Rate	Points	APR	Term	View More
Education Loan	-	-	5.34%
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 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.98%

Aberdeen Proving Ground FCU Personal Loan Rates

Product	Rate	APR
Personal Loan	-	6.34%
Details Includes .25% auto pay rate discount. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.98%
Personal Loans	-	6.34%
Details As Low As; Learn More Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.98%
Personal Loan	-	8.04%
Details Includes .25% auto pay rate discount. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.98%
Personal Loan	-	9.04%
Details Includes .25% auto pay rate discount. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.98%
Personal Loan	-	10.29%
Details Includes .25% auto pay rate discount. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.98%
Personal Loan	-	10.54%
Details Includes .25% auto pay rate discount. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.98%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

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 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

5.98%

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

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Average Rating

★★★★★

Total Reviews

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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.