Estate planning and settlement at APGFCU

How your APGFCU accounts transfer at death depends on how each one is set up. As a membership-based credit union, APGFCU headquartered at the Edgewood Branch, 1321 Pulaski Highway, Edgewood, MD 21040 — also the published overnight/courier address. Regular mailing address: APG Federal Credit Union, P.O. Box 1176, Aberdeen, MD 21001-6176; estate paperwork is addressed to APGFCU, ATTN: Support Services at that box. Mortgage payoffs go to the Home Loan Center, 321 S. Main Street, Bel Air, MD 21014. Seventeen branches across Harford County, Cecil County, Baltimore County, and Baltimore City (Aberdeen, APG, four in Bel Air, Cecil College, Chesapeake City, Cockeysville, Dundalk, Edgewood, Elkton, Fallston, Forest Hill, Havre de Grace, North East, Perry Hall, Rising Sun, Riverside). The Baltimore County footprint expanded when Members First of Maryland Federal Credit Union converted into APGFCU on March 31, 2026, with converted accounts live at APGFCU on April 1, 2026. Membership is open to anyone who lives, works, worships, attends school, or volunteers in Harford, Cecil, or Baltimore counties or Baltimore City; immediate family and household members of eligible individuals also qualify. Home equity lending reaches further: DC, DE, FL, MD, NC, NJ, PA, SC, and VA. With 23 account types, the transfer rules vary—getting the right designations in place now prevents delays and court involvement later.

Beneficiary designations at APGFCU can be managed online, in branch, and by mail. Trust funding is also available, allowing families to retitle accounts into the name of a revocable living trust.