--- title: "Apl Credit Union Rates (Nov 2026): Mortgage 6.54%" description: "Apl Credit Union rates today: 30 year fixed mortgage 6.54% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Apl Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/maryland/apl" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Apl Credit Union Rates (Nov 2026): Mortgage 6.54% ### Mortgage rates 8 offers | Product | Published | Rate | Term / condition | Status | | **VA 30 Year Fixed - Conforming** 30 year fixed | 6.536% APR | 6.375% | — | Standard | | **FHA 30-Year Fixed - Conforming** 30 year fixed | 6.950% APR | 6.250% | — | Standard | | **30-Year Fixed** 30 year fixed | 7.041% APR | 6.875% | — | Standard | | **Jumbo 30-Year Fixed** 30 year fixed | 7.225% APR | 7.125% | — | Standard | | **15-Year Fixed** 15 year fixed | 6.767% APR | 6.500% | — | Standard | | **Jumbo 15-Year Fixed** 15 year fixed | 7.664% APR | 7.500% | — | Standard | | **20-Year Fixed** 20 year fixed | 6.966% APR | 6.750% | — | Standard | | **5/5 ARM** 5 5 arm | 7.257% APR | 6.500% | — | Standard | Apl Credit Union mortgage rates as of November 12, 2026 As of November 12, 2026, Apl Credit Union offers a 30-year fixed mortgage at 6.536% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/maryland/apl) , verified from [Apl Credit Union's official website](https://www.aplfcu.org/) Best product position **Better than the Maryland median** 30-year fixed mortgage Gap to state best **29 bp** 29 bp from state best Vs. state median **41 bp better than median** 30-year fixed mortgage Products ranked **1** across tracked Maryland markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 6.54% | Better than the Maryland median | 29 bp from state best | 41 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Apl Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=apl&state=maryland&code=MD&name=Apl%20Credit%20Union) Loading branch locator… ## About Apl Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 31.2K Assets $709.5M Founded 1954 Locations reported 3 NCUA charter 9475 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - First-time homebuyer program Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**State Employees CU of Maryland, Inc** SECU Credit Union Maple Lawn · Fulton · MD · 20759 About 2.3 miles away](https://rateapi.dev/credit-unions/maryland/state-employees-cu-of-maryland-inc) [**Tower** Laurel Headquarters · Laurel · MD · 20707 About 2.3 miles away](https://rateapi.dev/credit-unions/maryland/tower) [**Market Usa** Laurel HQ · Laurel · MD · 20723-5877 About 2.5 miles away](https://rateapi.dev/credit-unions/maryland/market-usa) [**Nasa** Columbia · Columbia · MD · 21046 About 2.9 miles away](https://rateapi.dev/credit-unions/maryland/nasa) [**W S S C** WSSC FCU Headquarters · Laurel · MD · 20707-2915 About 3.0 miles away](https://rateapi.dev/credit-unions/maryland/w-s-s-c) [**Navy Federal Credit Union** Laurel MD · Laurel · MD · 20707 About 3.2 miles away](https://rateapi.dev/credit-unions/virginia/navy-federal-credit-union) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Apl Credit Union Membership eligibility from Apl Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Apl Credit Union's website. Check the membership page below to confirm whether you qualify. - Location howard — MD Verified from [Apl Credit Union's membership page](https://www.aplfcu.org/Join/) . Final membership determination is always made by the credit union. ## Membership rules for Apl Credit Union Geography 1 county · Family 5 published paths to membership, last verified August 27, 2026, quoted from Apl Credit Union’s own published criteria. ### Geography 1 Auto-verified against the source page from the credit union’s published criteria and NCUA charter records · last verified August 27, 2026 - Howard County, MD “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Howard County, MD” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member immediate family “Immediate family members of current credit union members are also eligible for membership – even if they do not live or work in Howard County.” > [source ↗](https://www.aplfcu.org/Join/) - Family member (immediate family) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Apl Credit Union? Yes No ## Work at Apl Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Apl Credit Union ranks against Maryland peers. - See which AI assistants fetched Apl Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Maryland - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=apl&state=maryland&code=MD&name=Apl%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Apl Credit Union offer? Apl Credit Union currently offers mortgage rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Apl Credit Union rates updated? RateAPI verifies Apl Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Apl Credit Union's rate data? Rate data is collected directly from Apl Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Apl Credit Union's mortgage rate? As of November 12, 2026, Apl Credit Union offers a 30-year fixed mortgage at 6.536% APR. ### Who can join Apl Credit Union? Apl Credit Union publishes its membership criteria on its own website. RateAPI tracks 5 published membership paths covering 1 county for Apl Credit Union, each quoted from Apl Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Apl Credit Union's rates against national credit-union benchmarks. [More Maryland credit unions](https://rateapi.dev/credit-unions/maryland) [Maryland mortgage rate leaders](https://rateapi.dev/mortgage-rates/maryland) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.aplfcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Apl Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Maryland credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Apl Credit Union curl "https://api.rateapi.dev/credit-unions/maryland /apl " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Apl Credit Union locations Search, filter, and browse all 3 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/maryland/apl Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp