APL Credit Union Laurel MD | Affordable Vehicle Loans & ATM Services

Introduction

Welcome to Apl, your trusted partner in financial services located at 11100 Johns Hopkins Rd, Laurel, MD 20723. Since our establishment in 1954, we have been committed to serving our community, helping over 30,412 members achieve their financial goals. At Apl, we believe that every member deserves personalized service and a chance to thrive financially. With total assets of $630,726,583, we pride ourselves on being a stable and reliable choice for banking needs. Our strong foundation is reflected in our impressive net worth of $70,685,182 and substantial deposits totaling $23,058,044. We understand the importance of trust when it comes to managing your money, which is why we maintain a healthy cash reserve of $2,277,228 to ensure we're always ready to serve you. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to our mailing address: P.O. Box 418, Laurel, MD 20725. Our dedicated team of 57 employees, led by CEO David Woodruff and Board President Alice Mault, is here to assist you with various financial services ranging from personal banking and auto loans to mortgage options and business banking solutions. With a robust offering including online and mobile banking features, we make it easy for you to manage your finances anytime and anywhere. We invite you to explore what Apl has to offer and discover how we can support your journey toward financial success. Feel free to call us at 240-228-5250 or visit our website at www.aplfcu.org for more information or to open an account today!

Branch History & Mission

Commitment to Community

At Apl, we recognize the importance of giving back. Our commitment extends beyond banking; we actively participate in various community outreach efforts aimed at supporting local organizations and initiatives. Through partnerships with schools and non-profits, we strive to uplift those around us and create a positive impact in the lives of others.

Join Us

As we continue on this journey together with our members and the community at large, we invite you to become part of the Apl family. Experience firsthand how our commitment to service can help you reach your financial goals. Visit us today or explore more about becoming a member through our website at www.aplfcu.org. Together, let's build a brighter future!

Modern Banking Solutions

As times change, so do we. Apl is dedicated to embracing digital advancements that make banking easier for our members. We offer online banking services and mobile applications that allow you to manage your accounts anytime, anywhere. Whether you need to check your balance or make payments on the go, we're here for you. Additionally, our branch is fully ADA compliant to ensure that all members can access our services comfortably. While members can visit us at our branch location for personalized service during lobby hours from Monday to Friday between 8:30 AM and 4:30 PM, official correspondence should be sent to P.O. Box 418, Laurel, MD 20725 if needed.

Our Journey

Since opening our doors, Apl has undergone significant growth and transformation. We started as a small local credit union focused on meeting the basic financial needs of our members. Over the years, we have expanded our services and offerings to include personal banking, auto loans, mortgages, and business banking solutions. Today, with total assets exceeding $630 million, we are proud to be a pillar of financial stability in our community. Our mission is simple yet powerful: to empower our members by providing accessible financial services while fostering a spirit of community support and collaboration. We believe that by investing in our members' financial well-being, we can help them achieve their dreams whether it's buying a home, purchasing a vehicle, or managing their finances effectively.

Branch Location & Accessibility

Call Us Today!

For any questions or if you'd like to learn more about what we can do for you, don't hesitate to give us a call at 240-228-5250. While members can visit us at 11100 Johns Hopkins Rd, official correspondence should be sent to P.O. Box 418, Laurel, MD 20725. We invite you to come by today and experience the Apl difference!

Nearby Landmarks and Accessibility Features

As you approach our branch, you'll notice it's close to local favorites, making it easy to stop by while you're out and about. We are committed to providing a welcoming environment with features that ensure everyone can access our services comfortably. Our location is ADA compliant, equipped with ramps for easy entry, and we offer ample parking space for your convenience.

Operating Hours and Services Offered

At Apl, we know that your time is valuable. That's why our lobby is open Monday through Friday from 8:30 AM to 4:30 PM perfect for fitting your banking errands into a busy schedule. During these hours, our dedicated team is ready to assist you with personal banking services like checking and savings accounts, auto loans, mortgages, credit cards with rewards, and much more!

Member Eligibility

At Apl, we believe that becoming a member means joining a community that truly cares about your financial well-being. If you live, work, or worship in the area, or if you're related to someone who does, you're likely eligible to join us! We welcome individuals who want to experience the benefits of personalized banking services designed just for you. For more specific eligibility details, feel free to check out our website at http://www.aplfcu.org/join-apl-fcu. Joining is simple and straightforward! Just visit us at our branch located at 11100 Johns Hopkins Rd Laurel Md 20723 or give us a call at (240) 228-5250 to get started on opening your account. We're here to help guide you through the process, making it as easy as possible for you to become part of our supportive family. Don't hesitate to reach out; we can't wait to welcome you aboard! To start your membership journey today, head over to http://www.aplfcu.org/apply-now.

Business Banking & Commercial Services

Financing Your Business Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Practical Merchant Services

In addition to loans, our merchant services provide essential tools that help streamline your daily operations. Imagine easily accepting payments from customers without hassle or delays. Our systems integrate smoothly into your business, allowing you to focus on what you do best serving your clients. Located at 11100 Johns Hopkins Rd Laurel Md 20723 in Laurel, MD, we're dedicated to making banking easier for businesses like yours. Reach out today at (240) 228-5250 to learn more about how we can partner with you for success!

Comprehensive List Of Services

Banking at Your Fingertips

In today's fast-paced world, convenience is key. That's why we have robust Online & Mobile Banking platforms that allow you to manage your accounts anytime, anywhere. With features like mobile payments and person-to-person transfers, sending money is as easy as a few taps on your phone. Additionally, our ATM & Cash Withdrawal Services are always available for quick access to cash when you're on the go. Basic ATM access includes withdrawals and balance checks, ensuring that you're never left in the lurch.

Business Solutions That Work

For our business members, we offer comprehensive Business Banking services. From Merchant Services that simplify payment processing to Business Loans for growth opportunities, we are here to support your entrepreneurial journey.

Connect With Us

At Apl, we strive not only to serve but also to connect with our community members. If you have questions about any of our services or would like personalized assistance, don't hesitate to reach out! You can contact us at (240) 228-5250 during our lobby hours from 8:30 AM to 4:30 PM, Monday through Friday. Discover how we can assist you today by visiting us at 11100 Johns Hopkins Rd Laurel Md 20723 in Laurel or check out more details on our website at Campus. Join us and experience banking that puts you first!

Personal Banking Made Easy

We understand that managing your finances can be overwhelming at times. That's why we offer Personal Banking options including checking and savings accounts tailored to help you save for what matters most. Whether you're just starting out or looking to maximize your savings, our account options come with features that make banking straightforward and convenient. Need a new vehicle? Our Auto Loans & Vehicle Financing services provide competitive rates and flexible terms to get you behind the wheel without breaking the bank. We also offer Mortgage Loans & Refinancing to help you secure your dream home or adjust your existing mortgage for better rates. If you're facing unexpected expenses or want to consolidate debt, our Personal Loans & Debt Consolidation can offer you peace of mind by providing funds when you need them most. Plus, consider our Credit Cards with Rewards, which allow you to earn points on everyday purchases turning spending into savings.

Digital & Online Banking

At Apl, we understand that convenience and security are essential in today's fast-paced world. That's why we offer a range of digital and online banking services designed to keep your finances at your fingertips, anytime and anywhere. With our commitment to providing top-notch security, you can manage your accounts confidently. Our online banking platform is available 24/7, allowing you to check balances, pay bills, and transfer funds whenever it suits you. Simply visit us at https://www.aplfcu.org to get started. Plus, with electronic signature authorization, signing documents has never been easier or more secure. No need for paper just a few clicks will do! For those who prefer to manage their finances on the go, our mobile application is a game-changer. It not only gives you access to your accounts but also enables mobile payments, making transactions quick and hassle-free. You can even send money directly to friends or family with our person-to-person transfer feature perfect for splitting dinner bills or sending gifts. We also offer e-statements for easy access to your financial information without the clutter of paper. This way, you can keep track of your spending and savings in an organized manner. At Apl, we aim to make banking as user-friendly as possible while prioritizing your safety. Whether you're at home or on the move, managing your money has never been more straightforward!

Financial Strength

Efficient Operations

Our $3,894,545 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 57 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Growing Together

Total Share and Deposit Accounts: 63,612, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Apl is your trusted partner. Visit us at 11100 Johns Hopkins Rd Laurel Md 20723 or call (240) 228-5250 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Investing in Your Future

With $66,726,399 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals with $7,432 in used auto loans and $442,010,157 in total loans and leases.

Member-Centric Savings Options

Members' savings are secured through $140,330,240 in share certificates and $71,201,175 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Financial Foundation

With a net worth of $70,685,182, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,140 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $133,937,226 in used vehicle loans and $81,696,648 in new vehicle loans already helping members get on the road. Whether you're looking for a new or used vehicle, our team is here to guide you through the process and ensure you find an option that fits your budget.

Business Financing

For business owners, while we currently don't have outstanding commercial loans, our focus remains on providing personal financing solutions that empower our members' entrepreneurial spirit. If you're interested in any of these loan options or would like to learn more about eligibility requirements and application processes, feel free to reach out! You can contact us at (240) 228-5250 or visit us at our branch located at 11100 Johns Hopkins Rd Laurel Md 20723 in Laurel, MD. Explore how Apl can support your financial journey today! For more information on our services and offerings, please visit our website. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.*

Credit Cards and Unsecured Loans

We also offer flexible terms on unsecured credit card loans, with a total of $8,908,312 in loans helping members manage their finances effectively. Our credit cards come with rewards that can benefit your everyday spending.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $67,741,638, make buying or refinancing simple. We know that securing a mortgage can feel overwhelming, but our experienced staff is ready to assist you every step of the way. Plus, refinancing options are available if you're looking to lower your current payments.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This commitment to sourcing ensures that the offers presented are both fair and transparent, giving users peace of mind when exploring their options.

Apl