empowering members , strengthening communities€¦ · prosper and grow by delivering high-quality,...
TRANSCRIPT
A N N U A L R E P O R T 2 0 1 6
E M P O W E R I N G M E M B E R S , S T R E N G T H E N I N G C O M M U N I T I E S
Over the years, the employees and volunteers of Aberdeen Proving
Ground Federal Credit Union have strived to bring you the products
and services you desire, while doing so in a constantly evolving,
modernist approach.
Approximately one-third of you wake up in the morning and reach for
your smartphone, iPhone or iPad to see what happened in the world
while you slept. You can now check on the status of your accounts at a
moment’s notice during the day, at night, on weekends and holidays
by using mobile banking, online banking or our ABBY telephone teller.
Our ATMs stand ready to provide cash when and where you need it.
Many of you no longer need to visit our branches to meet your needs.
But for those of you who do, we are there to assist you. While technology
can present its own set of challenges, for example, constantly changing
passwords for your protection, you can rest assured that our employees
work hard to help protect your information and the security of
your funds.
Once again, we had a successful examination by our federal regulator,
the National Credit Union Administration (NCUA), as well as a
successful independent, external audit, with no material findings
from either entity. NCUA has deemed APGFCU to be a well-capitalized,
safe and sound institution, which faithfully and fully serves
its membership.
We were recognized as a state leader in financial education when we
were selected as the winner of the Outstanding Organization Award in
the third annual Financial Education and Capability Awards program.
This award, which commended our efforts in delivering financial
education to youth and adults, was presented in Annapolis, where we
received special recognition on the floor of the Maryland Senate and
House of Delegates.
Our Dealer Direct program, which allows members the convenience
of obtaining an APGFCU auto loan at over 90 area auto dealers,
celebrated the milestone of originating $1 billion in auto loans since its
inception in 2003. This program is another example of how we strive
to make doing business with APGFCU as
convenient as possible.
N E W O F F E R I N G S TO M E M B E R S I N
2 0 1 6 I N C LU D E D :
• The installation of a Whiteford-area
ATM to serve our members in northern
Harford County
• An enhancement to mobile banking
that allows you to see your balance without logging in
• The ability to change your credit or debit card PIN by phone
• Discounted auto and homeowner’s insurance through a new
partnership with Traveler’s Insurance
• Large-print membership cards
Lastly, but certainly not least, we continued to demonstrate our
commitment to the community by supporting over 120 nonprofit
organizations and charitable causes throughout Harford and Cecil
counties. Especially noteworthy was our sponsorship of Schooner Cove,
the interactive children’s area in the new Havre de Grace Library.
Our underwriting of this project highlights our desire to help educate
children – even at the earliest ages. We also hosted the 12th Annual
Community Invitational Tournament at Ripken Stadium, where
approximately 70 children from 11-under and 12-under baseball and
softball teams competed in double-elimination rounds. Each year, this
free tournament gives local youth the opportunity to play at one of the
most sought-after youth baseball facilities in the United States.
APGFCU truly does empower members and strengthen communities. It
was an honor to serve you in my first year as chairman, and a pleasure
to deliver the exceptional results outlined in this report.
B A R RY D. D EC K E R , C S M ( R E T. )
Chairman, Board of Directors
M E S S A G E F R O M T H E C H A I R M A N
“NCUA has
deemed AP GFCU
to be a well-
capitalized,
safe and sound
institution,
which faithf ully
and f ully serves
its membership.”
2
Em·pow·er ·ment (noun):The process of becoming stronger and more conf ident, especial ly in control l ing one’s l i fe and claiming one’s r ights. (Ox ford Dictionary)
The very definition of the word “empowerment” describes APGFCU’s
mission for members when it comes to their finances. We strive to help
our members become stronger and more confident financially, and
to take control of their finances. In turn, they will improve their own
lives, as well as the lives of the generations that follow them.
Financial literacy empowers both members and our society. At APGFCU,
we have developed opportunities for you to build financial skills and
to pass them along to your children and grandchildren. The time to do
this is now. Instead of struggling to make ends meet, you can realize
the possibility of homeownership, freedom from debt and building a
savings reserve.
We are here to help our members claim their right to financial literacy.
It all starts with the concept of ownership. When one becomes
a part of the credit union, one becomes a member-owner. A
shareholder. An investor. As a not-for-profit cooperative, the credit
union operates to return value to members in the form of better rates
on savings and loans, as well as fewer/lower fees. The bottom line: We
are here to serve you, to partner with you to build your wealth.
One of the many ways we help to do this is by educating members and
the community at large on financial matters. I encourage you to take
time to explore the many resources we offer, such as articles in our
newsletters and the “Education and Advice” section of our website.
There are a number of useful tools, including online courses, articles,
videos and more. Register for one of the seminars or workshops we
offer on topics ranging from home buying to getting your credit in
shape. Meet one-on-one by scheduling time with one of our financial
counselors or take advantage of the services available through our
partner GreenPath Financial Wellness.
If you have children, they may have
participated in the many financial
literacy sessions with a representative
from our financial education
department. This team actively conducts
courses in partnership with schools and
community organizations throughout
Harford and Cecil counties. In 2016
alone, they delivered 861 teaching and
coaching sessions, reaching over 8,500 individuals.
Ultimately, our goal is to empower our members so that they are in
control of their finances and can leave a legacy to their children,
grandchildren and future generations. That legacy is not only
monetary, but more importantly, a legacy of financial knowledge.
Share this valuable empowerment resource with others. What better gift
is there to give than the gift of credit union member-ownership? Open
an account for a child or grandchild and set up automatic transfers
from your account to theirs. Help that loved one get started – even if it’s
just a small amount at regular intervals. Doing so will help to provide a
foundation upon which they can then build. Pass on the power you have
realized. It is an increasing power throughout the generations. Each
generation becomes more prosperous than the previous one. That’s the
power of a legacy. We’ve provided the structure. Seize the opportunity.
Embrace it and pass it on.
Ultimately, our families become stronger and our communities become
stronger. That’s the heart and soul of APGFCU’s mission.
D O N W. L E W I SPresident/CEO
M E S S A G E F R O M T H E C E O
“Ultimately,
our goal is to
empower our
members so
that they are in
control of their
f inances and can
leave a legacy to
their children,
grandchildren
and f uture
generations.”
3
C O N V E N I E N T A C C E S S I N 2 0 1 6
2 9, 2 4 5Mobile banking members
4 6 ,7 9 4Online banking members
5 6 9, 8 9 4Bills paid through online banking
4 8 , 6 47Mobile deposits totaling $14.2 mill ion
$ 2 3 . 8 M I L L I O NLoans signed for electronically
$ 2 1. 4 M I L L I O NApproved loans f rom Internet applications
3 6 6 ,9 9 0Calls received by the Member Service Center
8 9, 5 2 0ATM deposits
$ 1 5 8 . 8 M I L L I O NDealer Direct auto loans
Our mission is to empower member-owners to
use and control their own money to improve their
economic and social conditions. This mission guides
our actions, informs our decisions and drives us to
put our members first in all that we do.
In 2016, APGFCU helped our members achieve,
prosper and grow by delivering high-quality,
affordable financial products, superior personal
attention, and enhanced convenience services.
VA LUA B L E P R O D U C T S
At APGFCU, our members are our owners. Members
received more than $560,000 in additional dividends
during 2016 from the credit union’s proactive
competitive increase to regular share savings and
money market account interest rates. Close to 1,900
new youth members (below age 18) received a total of
$43,000 in matching Youth Match deposits.
E M P O W E R I N G M E M B E R S
We encouraged non-members and members alike to “Fall in Love with AP GFCU” with a chance to win one of five $5,000 prizes. Three of the lucky winners pose with the check. Pictured from lef t to right: Tara Sewell, Annette Reid and Chris Hunt.
Our MyTimes senior members received over $24,000
in benefits, such as paid A ARP memberships.
P E R S O N A L AT T E N T I O N
At APGFCU, our member-owners receive our
undivided attention. We know that each member’s
financial goals and individual situation are unique.
Our branch and member service phone center
staffs are skilled credit union professionals who
provide useful information, helpful suggestions and
personal assistance to meet specific member needs.
For example, our Credit Builder program was
established to provide credit-challenged
members the opportunity to qualify for loans at
rates significantly below what they would pay with
other lenders. Over 1,400 members obtained more
than $14 million in Credit Builder loans during 2016.
4
C O M M I T T E D T O F I N A N C I A L E D U C A T I O N 2 0 1 6 S C H O L A R S* P ictured lef t to right, top to bottom
Delaney Lynn AppelFallston High SchoolAndrew Brannon Calvert Hall CollegeQuinton Francesco BurkeFallston High SchoolCatherine Dugan Butz Havre de Grace High SchoolAdam Joseph Caretti Patterson Mill High SchoolTyler Slayman The Tome SchoolKassandra Anne Dieter North Har ford High SchoolEmmett J. Van Venrooy The Charter School of Wilmington, Newark, DEDaniel Robert Gear y Aberdeen High SchoolHannah E. Grzymala North Har ford High SchoolMichael K . Moore, Jr. Tri-State Christian AcademyChloe Emann Jew C. Milton Wright High SchoolCarly B. Lyon The John Carroll SchoolAlexandra Remesch Perryvil le High SchoolLeah Catherine Skinner Perryvil le High SchoolRebekah ParadisFallston High SchoolNicholas Cifolell iElkton High SchoolEmma Annice Stump Havre de Grace High SchoolSarah Jo Frick Havre de Grace High School Zachar y Tyler Wilson Havre de Grace High SchoolNot pictured:Rachel Brianna WestRiverview High School, Sarasota, FL
We continue to expand our delivery of the financial
capability message with a focus on women, children,
young adults, seniors, members of the armed
forces and persons of modest means. Our outreach
included a focus on the academic community, from
elementary though post-secondary levels, as well as
faith-based and community service organizations.
We provided in-person and online financial courses,
community seminars and one-on-one member
appointments with on-staff financial counselors.
In 2016, APGFCU reached 8,517 individuals through
861 teaching and coaching sessions for adults,
middle and high school students in Harford and
Cecil counties.
We understand that financial capability leads
to wealth building – and that it’s never too early
to start on the path to financial independence.
APGFCU provides financial education programs that
classroom teachers can deliver to their students.
For example, APGFCU partnered with the Credit
Union Foundation of MD|DC to sponsor the first
Millionaire’s Club at North Harford High School in
2016. Local clubs receive a robust financial literacy
curriculum developed by the National Endowment
for Financial Education and financial support for
participation in activities such as the Personal
Finance Challenge local and national competitions.
Each year, AP G Federal Credit Union awards scholarships to exemplar y graduating high school students based on a written essay, academic achievement, and community involvement. The credit union is a leader in financial l iteracy programs designed to help young members develop successful money management skills.
5
A P G F C U H E R I T A G E T I M E L I N E
1 9 3 8Members: 200 Assets: $1,718
1 9 5 8Members: 345Assets: $17,589
1 9 78 Members: 26,000Assets: $75.7 mill ion
1 9 9 8Members: 67,927 Assets: $346.4 mill ion
2 0 0 8 Members: 82,461Assets: $665.5 mill ion
2 0 1 4 Members: 109,778Assets: $1 bil l ion
2 0 1 5 Members: 115,465Assets: $1.1 bil l ion
2 0 1 6 Members: 120,952Assets: $1.2 bil l ion
S T R E N G T H E N I N G C O M M U N I T I E S
In addition to our financial education commitment, APGFCU is also an engaged partner in our communities,
supporting a wide range of deserving organizations through employee volunteerism, nonprofit board
membership, philanthropic grants and community activity sponsorships.
In 2016, APGFCU’s Community Involvement Committee donated $108,000 to 43 different organizations in
Harford and Cecil counties. We also sponsored 75 community initiatives and local events.
H AV R E D E G R AC E L I B R A RY R I B B O N C U T T I N G
CEO Don Lewis joined members of our
board, executive management and
Harford County community leaders
for the June 2016 opening of the
new Havre de Grace Library – which
includes Schooner Cove, a one-of-
a-kind interactive children’s area
underwritten by APGFCU.
H E L P I N G H A B I TAT F O R H U M A N I T Y
APGFCU board members Sandra
Sasser, Charles Alston, John
Blomquist and Chairman Barry
Decker presented our $15,000
contribution during Habitat for
Humanity Susquehanna’s “Giving
Tuesday ” challenge. For 23 years,
APGFCU has proudly supported
Habitat for Humanity Susquehanna,
contributing both monetary
donations and volunteer time.
6
Aberdeen Chamber of Commerce
Aberdeen Golden Age Club
Aberdeen Room Archives & Museum
Abingdon Elks
Addiction Connections Resource
Al Cesky Scholarship Fund
Albert P. Close Foundation
American Cancer Society - Relay for Life
American Red Cross (Cecil & Harford)
Anna’s House
APG Morale, Welfare & Recreation
APG Civilian & Military Spouses Club
APG Police
APG Retiree Council
Army Alliance
Army One Source
Association of the United States Army
ATHENA Award
Bel Air Downtown Alliance
Bel Air Kite Festival
Bel Air Rotary
Bel Air Volunteer Fire Company
Boys and Girls Clubs of Cecil County
Boys and Girls Clubs of Harford County
Business and Education Partnership
Advisory Council
CASA - Court Appointed Special Advocates
for Children
Cecil & Harford County Departments of
Social Services “Ready by 21” initiative
Cecil College Foundation
Cecil County Chamber of Commerce
Cecil County Arts Foundation
Cecil County Commission on
Aging Foundation
Cecil County Farm Fair
Cecil County Office of
Economic Development
Cecil County Parks and Recreation
Cecil County Public Library
Cecil County Public Schools
Cell Phones for Soldiers
Center for the Visual & Performing Arts
Chesapeake Professional
Women’s Network
Chesapeake Science & Security
Corridor Sponsorship
Chesapeake Support Our Heroes
Cody Richardson Memorial
Scholarship Foundation
Credit Union House
Edgewood High School
Elkton Chamber & Alliance
Elkton Rotary Club
Empty Stocking Fund
Extreme Family Outreach
Fallston Recreation Council
Family & Children’s Services
Friends of the Library of Cecil County MD
Good Cause
Good Neighbor Energy Fund
Greater Bel Air Community Foundation
Greater Excellence in Education
Foundation (GEEF)
Habitat for Humanity Susquehanna
Harford Business Roundtable
for Education
Harford Chabad
Harford Community Action Agency
Harford Community College
Harford County Association of Realtors
Harford County Chamber of Commerce
Harford County Commission
on Disabilities
Harford County Department of Aging
Harford County Public Library Foundation
Harford County Public Schools
Harford County Sheriff’s Foundation
Harford Family House
Harford Land Trust
Harford’s Most Beautiful People
Haven House
Havre de Grace Chamber of Commerce
Havre de Grace Decoy Museum
Havre de Grace First Fridays
Havre de Grace Lions Club
Havre de Grace Opera House
Healthy Harford
Homecoming Project, Inc.
Hosanna Community House
Humane Society of Harford County
Inner County Outreach
John Carroll School
Joppa Magnolia Volunteer Fire Company
Ladew Gardens
Linking All So Others Succeed (LASOS)
LTC Gene Chandler Memorial Scholarship
Lutheran Mission Society of MD
Marines Helping Marines
Marriage Works of Harford County
Martha Mason Hill Foundation
Maryland Business Roundtable
Maryland Coalition for Financial Literacy
Maryland Financial Alliance
Maryland State Department of Education
Mason Dixon Community Services
Meals on Wheels of Central MD
(Cecil & Harford)
Meeting Ground
MLK Harford Humanitarian Awards
NAACP, Cecil County Branch
North East Chamber of Commerce
Northeastern Maryland Technology
Council (NEMTC)
Northern Chesapeake Hospice
Rising Sun Health Fair
Rising Sun SunFest
Rotary Club of Aberdeen
Rotary Club of North East
Route 40 Business Association
Salute to Cecil County Veterans
Salvation Army (Cecil & Harford)
SARC
Singerly Fire Company
Soroptimist International
Special Olympics Maryland
(Cecil & Harford)
The ARC Northern Chesapeake Region
The Highlands School Foundation
The Homecoming Project
The Sharing Table
Toys for Tots
Transitioning Youth Expo
Union Hospital Foundation
Upper Bay Counseling Support Services
Upper Chesapeake Hospital Foundation
Welcome One Emergency Shelter
Women in Defense
YMCA (Cecil & Harford)
Youth Empowerment Source
S T R E N G T H E N I N G C O M M U N I T I E S
A P G F C U I S A S U P P O R T I N G P A R T N E R O F A N U M B E R O F I N I T I A T I V E S I N H A R F O R D & C E C I L C O U N T I E S
7
A S S E T S 2 0 1 6 2 0 1 5
Cash $ 7,313,794 $ 7,213,340
Investments:
Overnight investments 83,326,838 39,871,898
Available-for-sale 49,518,300 96,503,676
Held-to-maturity 14,806 25,131
Other 4,373,502 4,120,836
Loans held for sale 1,369,300 805,440
Loans to members, net 975,901,188 881,811,708
Accrued interest receivable 2,222,470 2,065,914
Property and equipment, net 24,660,223 25,022,901
Other assets 12,875,128 12,170,614
NCUSIF deposit 9,931,379 9,335,711
Total assets $ 1,171,506,928 $ 1,078,947,169
L I A B I L I T I E S A N D M E M B E R S ’ EQ U I T Y 2 0 1 6 2 0 1 5
LIABILITIES:
Members’ shares and
savings accounts $ 1,043,258,657 $ 964,571,457
Accrued expenses and
other liabilities 32,775,740 26,587,525
Total liabilities 1,076,034,397 991,158,982
MEMBERS’ EQUITY:
Regular reserve 5,856,920 5,856,920
Appropriated undivided
earnings 107,015,289 97,864,393
Undivided earnings 100 100
Accumulated other
comprehensive loss (17,399,778) (15,933,226)
Total members’ equity 95,472,531 87,788,187
Total liabilities and
members’ equity $ 1,171,506,928 $ 1,078,947,169
To receive a copy of the audited financial reports, please call 410-272-4000 and ask for the Marketing Department.
S T A T E M E N T S O F F I N A N C I A L C O N D I T I O NS U P E R V I S O R Y C O M M I T T E E R E P O R T
Our credit union’s Super visor y
Committee is responsible for
ensuring the effectiveness of
internal checks and balances,
such as the system of internal
controls, adherence to
established policies and
procedures, and the overall
safety and soundness of our
credit union. By The Federal
Credit Union Act, the
Super visor y Committee is
responsible for the annual
external audit and the
review and verification of
member accounts.
The Super visor y Committee
assures that the credit union is
healthy in all areas for which it
has responsibility. An annual
audit and all the work
associated with it was
conducted by our accounting
firm, Doeren Mayhew.
Based on their report, the
Super visor y Committee of
APGFCU deems our credit
union healthy and financially
sound. The financial report as
printed in this annual report is
extracted from the audited
financial statements.
The financial statements in the
report reflect the financial
condition of the credit union.
A S O F D EC E M B E R 3 1,
A S O F D EC E M B E R 3 1,
A S S E T S ( $ I N M I L L I O N S )
$978.3
2013
$1,019.9
2014
$1,078.9
2015
$ 1,171.5
2016
N E T LOA N S ( $ I N M I L L I O N S )
$713.6
2013
$801.4
2014
$881.8
2015
$975.9
2016
S H A R E S ( $ I N M I L L I O N S )
$880.8
2013
$917.4
2014
$964.6
2015
$1,043.3
2016
M E M B E R S ( T H O U SA N D S )
104.3
2013
109.8
2014
115.5
2015
121.0
2016
8
F O R T H E Y E A R S E N D E D D EC E M B E R 3 1,
I N T E R E ST I N C O M E 2016 2015
Loans to members $ 47,566,378 $ 44,093,942
Investments and cash equivalents 1,026,560 1,093,842
Total interest income 48,592,938 45,187,784
I N T E R E ST E X P E N S E
Dividends on members’ shares 4,839,980 4,263,794
43,752,958 40,923,990
P R OV I S I O N F O R LOA N LO S S E S 7,140,156 5,657,338
Net interest income after provision for loan losses 36,612,802 35,266,652
N O N - I N T E R E ST I N C O M E
Other non-interest income 9,811,653 9,487,832
Fees and charges 5,988,132 5,263,110
Net gain on sales of loans 717,635 648,297
Total non-interest income 16,517,420 15,399,239 53,130,222 50,665,891
N O N - I N T E R E ST E X P E N S E
Compensation and benefits:
Executive/senior management 6,128,698 5,884, 911
Other employees 19,522,840 18,585,081
Office operating costs 5,200,970 4,839,814
Loan servicing expenses 3,292,537 3,262,562
Professional services 4,663,059 4,277,094
Occupancy expense 2,437,257 2,502,890
Promotional expense 1,795,762 1,855,742
Other expenses 938,203 954,672
Total non-interest expense 43,979,326 42,162,766
Net Income $ 9,150,896 $ 8,503,125
OT H E R C O M P R E H E N S I V E ( LO S S )/ I N C O M E
Unrealized gains/(losses) on investments
classified as available-for-sale 120,058 (239,841)
Net (loss)/gain in defined benefit obligations (1,586,610) 1,812,578
Other comprehensive (loss)/income (1,466,552) 1,572,737
Comprehensive income $ 7,684,344 $ 10,075,862
S T A T E M E N T S O F I N C O M E A N D C O M P R E H E N S I V E O P E R A T I O N S
I n t e r e s t o n l o a n s $ 4 7 , 5 6 6 , 3 7 8I n t e r e s t o n i nv e s t m e n t s 1 , 0 2 6 , 5 6 0O t h e r 1 6 , 5 1 7 , 4 2 0
D i v i d e n d s $ 4 , 8 3 9 , 9 8 0 R e s e r v e s 9 , 1 5 0 , 8 9 6Pr o v i s i o n f o r l o a n l o s s e s 7 , 1 4 0 , 1 5 6S a l a r i e s a n d b e n e f i t s 2 5 , 6 5 1 , 5 3 8O f f i c e a n d o c c u p a n c y 7 , 6 3 8 , 2 2 7O t h e r e x p e n s e s 1 0 , 6 8 9 , 5 6 1
7 3 .0 %
3 9. 4 %
1 1.0 %
1 4 .1 %1 6 . 4 %
1 1.7 %
7. 4 %
2 5 . 4 %
1. 6 %
TOTA L $ 6 5 , 110 ,3 5 8
TOTA L $ 6 5 , 1 1 0, 3 5 8
S O U R C E S O F I N C O M E
D I ST R I B U T I O N O F I N C O M E
9
O U R M I S S I O NOur mission is to empower our member-owners to use and control their own money to improve their economic and social conditions. We encourage thrif t among ourmember-owners and create a source of credit at a fair rate of interest by operating our not-for-prof it creditunion as a democratic, membership-driven cooperative.
O U R V A L U E SOur reputation for quality service is based on our commitment to you, our member-owners. Your unique needs play a key role in every decision we make. The credit union spirit l ives in our values and these values guide us in everything we do.
O U R M E M B E R S C O M E F I R S T• We embrace change and evolve minute by minute because it benef its our members.• We improve the quality of our members’ l ives.• We provide quality service that exceeds our members’ expectations.• We employ, train and develop credit unionists f rom the best and brightest the market can supply.• We are a credit union movement leader.
E D G E WO O D H I G H S C H O O L R A M B R A N C H
The 2015-2016 school year marked the fifth year
that the Academy of Finance Branch operated on the
high school campus. Student volunteers staff the
RAM branch where they gain hands-on experience
and real-world skills in areas such as operations,
management and marketing.
A P G F C U C O M M U N I T Y I N V I TAT I O N A L
In June 2016, APGFCU hosted our 12th Annual
Community Invitational Tournament for local
baseball and softball teams at Ripken Youth Baseball
Academy in Aberdeen. More than 70 boys and girls
from 11-under and 12-under teams competed in the
double-elimination tournament.
F I N A N C I A L E D U C AT I O N A N D C A PA B I L I T Y AWA R D
APGFCU received the 2016 Outstanding Organization
Award in the third annual Financial Education and
Capability Awards program offered by the Maryland
CASH Campaign, Maryland Council on Economic
Education and the Maryland State Department of
Education. Our financial education team accepted
this honorable award on the floor of the Maryland
Senate and House of Delegates.
E M P O W E R I N G M E M B E R S, S T R E N G T H E N I N G C O M M U N I T I E S
1 0
S U P E R V I S O R Y C O M M I T T E EMarjorie E. War fieldChair
Emanuel C. HattonSecretary
Michelle L . Lafalaise
John J. Salser
Alexander P. Williams
Charles C. GibsonAlternate
O T H E R V O L U N T E E R SChristine T. Chambliss
Doris B. Drennen
Clinton Edmonds, Jr.
Delores Gill iam
Sara Jane Gove
Dee N. Layman
Michael J. Layman, Major (Ret.)
Nancy F. Regan
Cher yl D. RiceBarr y D. Decker, CSM (Ret.)Chairman
Paul D. EikenbergVice Chairman
Sandra J. SasserSecretary
Donald J. Burnett, COL (Ret.)Treasurer
Michael L . Dixon, LTC (Ret.)Assistant Treasurer
Charles N. Alston, Sr.
John A. Blomquist
Antha W. Edwards
David H. Gilbert
Windsor L . Jones
Joseph A. Traino, III, LTC (Ret.)
Amber N. AskewVice P resident - Accounting/Controller
Elizabeth BayerVice P resident - Internal Audit
Mark L . CowleyVice P resident - Security/Fraud
Sharon E. HudlerVice P resident - Operations
Melinda A. MalugaVice P resident - Human Resources
Robyn M. MannoneVice P resident - Retail Lending
Lisa A. MartinVice P resident - Compliance
Paul A. SlabyVice P resident - Finance
Nina D. SpencerVice P resident - Branch Operations
Daniel P. WetzelVice P resident - Mortgage Lending
V O L U N T E E R S A N D M A N A G E M E N T B U I L D I N G S T R O N G L E A D E R S H I P
Don W. LewisP resident/CEO
Carol L . McBrienExecutive Vice P resident/CFO
John Hricik, Jr.Senior Vice P resident – Mortgage Lending and Risk Management
Susan M. KemenChief Operations O ff icer
Genene E. LaCourChief Administration O ff icer
Brian E. WilcoxChief Marketing O ff icer
Scott T. WeaverChief Lending O ff icer
Janet L . SelfExecutive Assistant to the CEO
V I C E P R E S I D E N T SB O A R D O F D I R E C T O R S
A S S O C I A T E D I R E C T O R Wayne G. Taylor
E X E C U T I V E M A N A G E M E N T
1 1
O U R F A M I LY O F B R A N C H E S T O S E R V E Y O US e r v i n g e v e r y o n e w h o l i v e s , w o r k s , w o r s h i p s , v o l u n t e e r s o r a t t e n d s s c h o o l i n H a r f o r d o r C e c i l c o u n t i e s i n M a r y l a n d .
A B E R D E E N9 9 6 B e a r d s H i l l R o a d
E D G E W O O D1 3 2 1 E . P u l a s k i H i g h w a y
H AV R E D E G R A C E1 0 4 5 W. P u l a s k i H i g h w a y
A B E R D E E N P R O V I N G G R O U N D2 4 0 2 C h e s a p e a k e A v e n u e
E L K T O N1 2 0 4 E . P u l a s k i H i g h w a y
L A U R E L B U S H I N B E L A I R2 1 1 3 L a u r e l B u s h R o a d
A M Y C L A E I N B E L A I R1 2 0 0 - A A g o r a D r i v e
FA L L S T O N2 1 0 M o u n t a i n R o a d
N O R T H E A S T2 0 1 1 W. P u l a s k i H i g h w a y
B E L A I R3 2 1 S . M a i n S t r e e t
F O R E S T H I L L2 0 1 0 R o c k S p r i n g R o a d
A T M SATMs are located at each branch and at additional locations in Har ford and Cecil counties. Visit our website for a map with locations.
M Y L O A N C E N T E R S & AT M S1005 Elk Mills Road | Elkton, MD 21921223-D E. Main Street | Rising Sun, MD 21911
2 4 - H O U R C O N V E N I E N C EOnline Banking & Mobile Banking: www.AP GFCU.comPhone Banking: 410-272-4000, press 21-800-225-2555, press 2
M A I L I N G A D D R E S S :
P O B OX 1 1 76 A B E R D E E N M D 2 1 0 0 1 - 6 1 76
W W W. A P G F C U.C O M
Federally insured by NCUA
M E M B E R S E R V I C E C E N T E RMonday – Friday: 8 a.m. – 8 p.m.Saturday: 9 a.m. – 1 p.m.Call: 410-272-4000, press 4Toll-Free: 1-800-225-2555, press 4TTY: 1-800-811-4888
H O M E L O A N C E N T E R321 S. Main Street Bel Air, MD 21014Toll-Free: 1-888-LOAN-391(1-888-562-6391)Apply 24/7 at www.AP GFCU.com/Mortgages
2016