APL Federal Credit Union

Established in 1954. APL FCU is a full-service financial institution with one of the lowest fee structures you will find anywhere. Our free savings and checking accounts include free debit cards, free online banking, free mobile banking, free bill pay and more. We also offer competitive loan rates for 1st and 2nd mortgages, new and used vehicles, credit cards, and personal loans/lines of credit. Our membership is open to anyone who lives, works, attends school or regularly conducts business in Howard County. Family members who live outside of the county are also eligible to join. APL Federal Credit Union was founded on April 29, 1954, by eight members with a total of $40 in assets. For almost 50 years, the Credit union served employees of the Johns Hopkins University Applied Physics Lab (JHU/APL). In 2001, the National Credit Union Administration (NCUA) granted APL FCU a community charter to serve everyone in Howard County, MD. Today, we continue to serve JHU/APL staff, as well as thousands of members in the community. Although you no longer have to be affiliated with JHU/APL to join the Credit Union, we have kept the APL name in recognition of our longstanding relationship with current and retired Lab employees.