APG Federal Credit Union is a not-for-profit financial cooperative serving Harford, Cecil, Baltimore counties, and Baltimore City. It offers consumer-friendly financial products and services, including loans, savings accounts, and financial education. The target audience includes local residents, workers, students, and volunteers. APGFCU's unique selling proposition is its member-owned structure, focusing on people over profits, and reinvesting earnings to benefit members through better rates and lower fees[1][3][5]. This approach empowers members to improve their financial well-being while fostering community involvement and financial literacy[1][3].