APL Federal Credit Union

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Mobile Deposit requires check endorsements, following the same process as other deposits.

The Collections section provides guidance on preparing for key financial decisions in life.

APL Federal Credit Union operates as a member-owned institution, with its Board of Directors consisting entirely of APL FCU members guiding its direction.

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APL FCU provides many free products and services to members, including no-annual-fee Visa Credit or Debit cards and Online and Mobile Banking.

Rates effective as of 10/26/2026 and are subject to change without notice.

Credit unions differ from for-profit banks by offering member benefits as a nonprofit alternative, ranging from small organizations to large institutions serving diverse groups.

APL FCU offers a free copy of its most recent Annual Report at any branch, detailing the credit union’s yearly performance, income, and financial condition.

The group, consisting of employees at The Johns Hopkins University Applied Physics Laboratory (JHU/APL), formed the credit union to serve the financial needs of the Applied Physics Lab’s workforce. From those humble beginnings, the credit union grew slowly but steadily for the next 47 years, serving as the primary financial institution for the vast majority of JHU/APL employees and their families.

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