Estate planning at APGFCU
How to protect 23 APGFCU accounts — manage beneficiaries in-branch, fund a trust in-branch, and file death claims
Member Service Center
Phone1-410-272-4000
Toll-Free1-800-225-2555
Emailinfo@apgfcu.com
Mailing Address
APG Federal Credit Union, P.O. Box 1176, Aberdeen, MD 21001-6176
WebsiteLearn more→
Member Service Center
Phone1-410-272-4000
Toll-Free1-800-225-2555
Emailinfo@apgfcu.com
Mailing Address
APG Federal Credit Union, P.O. Box 1176, Aberdeen, MD 21001-6176
WebsiteLearn more→
Support Services
Phone1-410-272-4000
Toll-Free1-800-225-2555
Emailinfo@apgfcu.com
Mailing Address
APGFCU, ATTN: Support Services, P.O. Box 1176, Aberdeen, MD 21001-6176
WebsiteNotify online→
Verified Jul 2026
How your APGFCU accounts transfer at death depends on how each one is set up. As a membership-based credit union, APGFCU headquartered in Edgewood, MD (1321 Pulaski Highway, Edgewood, MD 21040). Mailing address: P.O. Box 1176, Aberdeen, MD 21001-6176. About 17 branch locations across Harford County, Cecil County, Baltimore County, and Baltimore City. Footprint expanded when Members First of Maryland Federal Credit Union converted into APGFCU effective March 31, 2026, adding the Dundalk and Perry Hall (Baltimore County) branches. Membership open to anyone who lives, works, worships, attends school, or volunteers in Baltimore, Harford, or Cecil counties or Baltimore City. Immediate family members and household members of eligible individuals also qualify. With 23 account types, the transfer rules vary—getting the right designations in place now prevents delays and court involvement later.
Managing beneficiaries at APGFCU is straightforward—changes can be made in branch, typically taking 15-30 minutes at a branch; 24 business hours for IRA form processing. Trust funding is also available, allowing families to retitle accounts into the name of a revocable living trust.
APGFCU has documented procedures for both preparing accounts during your lifetime and handling claims when an account holder passes away.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 23 account types at APGFCU.
View details →When someone dies
Death claim process
8-step process, 7 required documents, and contact information for survivors.
View details →APGFCU is not available nationwide. Estate planning procedures may vary by state, so confirm that your location is served before making account changes.
Frequently asked questions
Yes. APGFCU supports trust account ownership using the "Trust: Separate Agreement Dated" ownership type on the membership application. You can also name a trust as a POD beneficiary on eligible deposit accounts. Visit a branch with your trust document or Certificate of Trust, government-issued photo ID for all trustees, and the trust EIN. IRA accounts cannot be retitled to a trust due to IRS regulations, but a trust can typically be named as an IRA beneficiary through the IRA Service Center.
IRA beneficiary changes are handled separately from deposit account POD designations. Access the IRA Service Center at https://www2.iraservicecenter.com/rc/?OrgNbr=5570, print and sign the appropriate beneficiary change form, then return it to APGFCU by uploading it through the IRA Secure Form at apgfcu.com/ira-secure-form.html, attaching it to a secure message in online banking, or returning it to a branch. Allow 24 business hours (not including weekends and holidays) for processing.
Often, yes. Under Maryland law (Md. Est. & Trusts 5-601), an estate can be settled through the simplified small-estate process at the Register of Wills for the county where the member lived when the property subject to administration is $50,000 or less, or $100,000 or less when the surviving spouse is the sole heir or legatee. If an APGFCU deposit account has no POD beneficiary and no surviving joint owner, and the estate falls under those limits, the person appointed on the Maryland small estate can present that appointment to APGFCU Support Services to collect the funds without full probate. APGFCU does not interpret the will; the will should be taken to the Register of Wills for the Maryland county where the member lived or died.
Sources
Data sourced from APGFCU primary sources (26 pages reviewed). How we research.
Member Service Center
Phone1-410-272-4000
Toll-Free1-800-225-2555
Emailinfo@apgfcu.com
Mailing Address
APG Federal Credit Union, P.O. Box 1176, Aberdeen, MD 21001-6176
WebsiteLearn more→
Member Service Center
Phone1-410-272-4000
Toll-Free1-800-225-2555
Emailinfo@apgfcu.com
Mailing Address
APG Federal Credit Union, P.O. Box 1176, Aberdeen, MD 21001-6176
WebsiteLearn more→
Support Services
Phone1-410-272-4000
Toll-Free1-800-225-2555
Emailinfo@apgfcu.com
Mailing Address
APGFCU, ATTN: Support Services, P.O. Box 1176, Aberdeen, MD 21001-6176
WebsiteNotify online→
Verified Jul 2026
Estate planning articles
Learn how to protect your APGFCU accounts and other assets with trusts, beneficiary designations, and estate planning documents.
