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Home Equity Loans and Lines of Credit
Home Equity Loans & Lines of Credit
You’ve worked hard for your home. Now let it return the favor.
Whether you’re renovating, consolidating debt, or planning for what’s next, our home equity solutions give you convenient, affordable ways to keep moving toward your goals.
HELOC - Borrow Only What You Need
A flexible credit line you can tap into whenever you need it — perfect for ongoing projects or unexpected expenses.
1.99% Intro APR*
Introductory APR for 12 months†
6.75% APR*
After the 12-month introductory period†
Why Choose a HELOC?
- Revolving line of credit
- Interest-only payment option during the Draw Period (10 years)
- Paid closing costs1
- Access funds anytime during the Draw Period
Home Equity Line of Credit (HELOC) Rates — Your Options at a Glance
Here's a quick look at your rate options — simple, clear and designed to help you move confidently toward what's next.
| Total Loan-to-Value (TLTV) | Intro APR1 (12 months) | Index | Margin | Interest-Only Payment Option | Alert Me |
|---|---|---|---|---|---|
| 0 - 80% | 1.99% | 6.75% | 0.00% | Yes | |
| 80.01 - 85.00% | 1.99% | 6.75% | 0.50% | Yes | |
| 85.01 – 89.99% | - | 6.75% | 1.00% | No | |
| Eligibility: The interest-only product will be available for Loan-to-Values (LTV) up to 85.00%. It has an introductory interest rate of 1.99% for 12 months, and after 12 months the rate adjusts to the Prime Rate (currently 6.75%). For LTVs between 85.01-89.99% there is no introductory rate option, as is the case now. The rate is the Prime Rate (currently 6.75%) + 1.00%. 10-Year Draw Period – This is the period when you are able to draw funds from their line of credit. The minimum payment due each month will be interest-only, but you will always have the option of paying additional to principal, including through online banking. 15-Year Repayment Period – At the end of the Draw Period, you will enter into the 15-Year Repayment period. You will no longer be able to draw additional funds from the line of credit during this time. The minimum payment due will be principal and interest in an amount necessary to pay off the balance in 15 years. |
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Subject to credit approval. Offer may be changed or withdrawn at any time.
*APR = Annual Percentage Rate. The rates stated above are available on approved credit. Rates may be different as determined by loan term, purpose (purchase/refinance), and individual creditworthiness of each applicant. Not all applicants will qualify for the lowest rate. Membership eligibility applies.
†Home Equity Line of Credit rates as of 01-01-2026 and are subject to change without notice. A 1.99% APR introductory rate applies for the first 12 months. Following the introductory period, the APR may vary quarterly, based on the then-current Prime Rate, as published in the Wall Street Journal (currently 6.75% APR), plus a margin of 0%. Maximum 18% APR. Introductory rate available for new accounts only. Rates advertised are based on a maximum combined loan-to-value (CLTV) of 85.00%. Loans with a CLTV between 85.01% and 89.99% are also available at different rates and terms. Adequate property insurance is required, and if applicable, flood insurance will be required. This offer is available only on primary and secondary single-family residences or owner-occupied condominiums located in D.C., DE, FL, MD, NC, NJ, PA, SC and VA.
Home Equity Loan – Fixed Rate, Fixed Peace of Mind
If you like knowing exactly what to expect each month, our fixed-rate Home Equity Loan keeps things steady — no surprises, just a clear path forward.
Rates As Low As
4.99% APR*
Great for long-term savings
Why Choose a Fixed Rate?
- Fixed monthly payments for the life of the loan
- No surprises, no rate changes
- Paid closing costs up to $1,200
- No application or annual fees
Subject to credit approval. Offer may be changed or withdrawn at any time.
*APR = Annual Percentage Rate. The rates stated above are available on approved credit. Rates may be different as determined by loan term, purpose (purchase/refinance), and individual creditworthiness of each applicant. Not all applicants will qualify for the lowest rate. Membership eligibility applies.
Compare Home Equity Loans and Lines of Credit
Not sure which option points you in the right direction? Here's a quick side-by-side comparison to help you choose the path that fits your goals.
Single payout at closing
Borrow up to 90% LTV
Fixed monthly payments; fixed term
Advance funds up to available balance during draw period
Revolving line of credit
Closing costs paid by APGFCU
0.25% discount with automated payments2
No application or annual fees
Interest-Only Payment
1If you close your Home Equity Line of Credit within three (3) years, we may add a prorated portion of the closing costs we paid to your outstanding loan balance based on the length of time the loan has been opened. Closing costs generally range from $100 to $6,500 (maximum line of credit of $424,100).
2Automated Payments: To qualify for the Automated Payment Interest Rate, at the time of loan settlement, you must establish an automated loan payment from an APGFCU account to repay your loan.
Manage Your Loan Payments Online — Anytime, Anywhere.
Save Valuable
Time
Pay your loans online without the hassle of mailing, calling or visiting a branch.
Link Your External Accounts in
Online and Mobile Banking
Easily connect accounts from other financial institutions to view everything in one place.
Anyone Can
Pay
Members and guests alike can make loan payments with our Loan Payment Portal.
Credit Builder Program
Building or rebuilding credit?
You're not alone. At APGFCU, we have a Credit Builder Program to help you move upward. Stick with the program for a year, and we'll automatically lower your rate as a little "nice job" nod from us.