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- Locations
- Aberdeen Branch
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- Bel Air — Amyclae Branch
- Bel Air — Home Loan Center, Main St. (No ATM)
- Bel Air — Laurel Bush Branch
- Bel Air — Main St. Branch
- Cecil College Branch
- Chesapeake City Branch
- Edgewood Branch
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- Forest Hill Branch
- Havre de Grace Branch
- North East Branch
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- Riverside Branch
- Notary Services
- Dundalk Branch
- Perry Hall Branch
Presidents' Day Closure
We will be closed on Monday, February 16, for the Presidents' Day holiday observance.
Online/Mobile Banking, ABBY Telephone Teller and ATMs will be available during this time.
Regular hours will resume on Tuesday, February 17.
Home Equity Loans and Lines of Credit
Unlock the Power of Your Home’s Equity
Whether you're planning a renovation, consolidating debt, or funding a major milestone, we offer flexible borrowing options to fit your life—and your budget.
Home Equity Line of Credit (HELOC) - Borrow Only What You Need
Tap into your home’s equity and unlock financial flexibility.
1.99% Intro APR*
Introductory APR for 12 months†
6.75% APR*
After the 12-month introductory period†
Why Choose a HELOC?
- Access funds up to your available balance anytime during the draw period
- Revolving line of credit
- Paid closing costs1
- 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 Offer may be changed or withdrawn at any time.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.
†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 80%. Loans with a CLTV between 80.01% 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
Prefer predictable payments? Our fixed-rate Home Equity Loan offers:
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
Both a Home Equity Loan and a Home Equity Line of Credit use the equity in your home as collateral, but each offer their own unique features and benefits. Compare your options to see which loan is right for you.
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
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
Need help building credit?
The APGFCU Credit Builder Program may be right for you. We’ll work with you to put you in the right loan and get you back on track. Plus, if you pay as agreed for one year, we’ll even lower your interest rate – automatically.