The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score rose 3 points (73 → 76), mostly because the earnings component improved by 13 points.

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size credit unions in Maryland

Yes. Apl Federal Credit Union is a federally insured credit union (NCUA charter #9475). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 9.8% of shares and deposits ($62.9M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.84%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Apl Federal Credit Union lists 3 offices in 2 cities. Most locations:

• Laurel, MD (2)
• Columbia, MD (1)

All branch addresses and map

In 2025, Apl Federal Credit Union reported 428 home-loan applications under HMDA (LEI 54930040I855W2FI0Y80): 320 originated ($32,790,000 total), 39 denied, and 69 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

All Apl Federal Credit Union card terms

Legal name

Apl Federal Credit Union

Type

Federal credit union

NCUA charter #

9475

RSSD ID

18489

Primary regulator

NCUA

Established

1954

Headquarters

P.O. Box 418, Laurel, MD 20725

Employees

56