- Locations
- Aberdeen Branch
- APG Branch
- 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
- Elkton Branch
- Fallston Branch
- Forest Hill Branch
- Havre de Grace Branch
- North East Branch
- Rising Sun Branch
- Riverside Branch
- Branch Appointment Requests
- Notary Services
IMPOSTER SCAM ALERT
Please be aware of fraudsters contacting members unexpectedly via a phone call, text or email pretending to be APGFCU fraud detection employees.
If you receive a suspicious unsolicited call, email or text appearing to be from APGFCU and requesting information:
- DO NOT provide any information
- STOP all communication with the suspected imposter
- CONTACT US immediately at our published numbers (410) 272-4000 or (800) 225-2555 to help resolve any additional security risks
Mortgages
Let us help you start enjoying the home of your dreams – without breaking the bank!
We make it easy:
- 100% financing available for qualified buyers
- Low down payment programs
- Closing cost assistance for qualified buyers
- World-class loan experts
- Start-to-finish service
- Extensive local knowledge
Rates As Low As:
7.500% / 7.647% APR*
30-Year Fixed
7.625% / 8.018% APR*
VA 30-Year Fixed
ARM interest rates and payments are subject to increase after the initial fixed-rate period (5 years for a 5/1 ARM, 7 years for a 7/1 ARM). The initial rate can change every year after the fixed-rate period (5 years for a 5/1 ARM, 7 years for a 7/1 ARM) based on a fully indexed rate (one-year Treasury Rate, plus margin) by no more than two percentage points, never to exceed five percentage points above the initial rate.
Loan Options
We offer several home loan options to fit your needs:
- First-Time Home Buyers
Affordable loan programs with various financing and down payment options to help make buying your first home a breeze.
- Fixed-Rate Mortgages
Subject to approval, members can qualify for our 10- 15- 20- or 30-year fixed-rate* mortgage depending on affordability and preferences.
- Adjustable-Rate Mortgages
APGFCU offers adjustable-rate mortgages (ARMs) for those looking to pay lower interest for the first few years of their loan in various term lengths including 10/1, 7/1 and 5/1.
- VA Loans - Serving Those Who Serve
We are here to help qualified veterans, reservists, active-duty service members, and their eligible spouses get to closing sooner with a VA loan that includes 100% financing, no down payment, 30-year fixed-rate*, and no monthly mortgage insurance required.
- FHA Loan
Expand your homeownership options by accessing a minimum down payment of 3.5% with flexible underwriting and 15- and 30-year term* options.
- Jumbo Mortgage Loans
APGFCU offers fixed and adjustable-rate jumbo mortgage loans of up to $1 million.
- Rural Housing (USDA)
Qualified members interested in purchasing a primary residence in eligible rural areas can access the USDA Guaranteed Rural Housing loan for 30 years* with a fixed rate, affordable options for up-front costs, 100% financing, and no down payment.
- Residential/Agricultural Loans
As a local lender, we understand the rural communities in Harford and Cecil counties and are committed to the people who call these properties home.
- Lot Loans
Qualified members looking to build a primary or secondary residence on a zoned lot within five years can access a loan of up to $150,000 and financing of up to 75% of purchase price or appraised value.
- Home Equity Loans and Lines of Credit
We offer home equity loans as low as 4.99% APR* and lines of credit as low as 2.49% APR* to help you pay for life expenses with the money you’ve already paid toward owning your home.
Loan Resources
Buying a home is a big step — we’re here to help with our resources made to simplify and streamline the process.
Get in Touch
Learn more about our mortgage options and how we can help you get into the house of your dreams today.