- 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
Branch Access Information
All APGFCU branch lobbies are open for teller transactions except for the Cecil College branch. Member services by appointment. Click for details.
APGFCU is open Friday, June 18th and Saturday, June 19th
We will be working to incorporate the new holiday into our calendar for 2022 and beyond to commemorate this important day in our nation’s history.
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Affordable loan programs with various financing and down payment options to help make buying your first home a breeze
Call 888-LOAN-391 for more information on any
of our loan options
First time homebuyer
Buying your first home can be overwhelming — we get it and are here to help.
Our loan options make it easy to get into a home at any stage in life.
Down Payment Options
We offer several payment options to fit your needs
Zero Down Payment Options
- 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.
- 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.
- 80/20 program
Access a first mortgage loan amount for 80% of the purchase price of your home, and a second “piggyback” mortgage for 20% of the purchase price — no down payment required. Plus, get up to 3% of the purchase price in Seller Assistance to help with closing costs.
Low Down Payment Options
- 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.
- Conventional 97% and 95%
Get into your home without breaking the bank! Put just 3% down with our Conventional 97% plan* or 5% down with the 95% program* to move into your home at a 10-, 15-, 20-, or 30-year fixed-rate mortgage.
- HomeReady 97%
Move into the home of your dreams by putting only 3% down and start building equity immediately with APGFCU’s HomeReady 97% program*. Get reduced mortgage insurance rates and qualify for a 10-, 15-, 20-, or 30-year fixed-rate term on residences including 1-unit condominiums.
We have partnered with the Federal Home Loan Bank (FHLB) to offer eligible:
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First-time homebuyers 4:1 fund-matching with a maximum of $5,000 and a minimum borrower contribution of $1,000
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Current or retired law enforcement officers, educators, firefighters, healthcare workers, and first responders 4:1 fund-matching of up to $7,500 when purchasing a new home and contributing at least $1,000
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U.S. military veteran serving in, or having served in, an overseas intervention environment up to $10,000 with zero minimum borrow contribution to purchase a new home
Get in Touch
Learn more about our mortgage options and how we can help you get into the house of your dreams today.