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Home Equity Loans

A Home Equity Loan is secured by your home and allows you to access your available equity in a single payout at closing. APGFCU allows you to choose your loan term with a fixed monthly payment. Complete the form to the right to get more information.

Product Features:

  • Rates as low as 3.99% APR*
  • Paid closing costs up to $1,200, not including transfer/recordation taxes*
  • Single payout at closing
  • 0.25% discount with automatic payments**
  • Up to 95% LTV
  • Fixed monthly payments with fixed term

For personalized service:

Home Equity Loans Rates

Effective November 14, 2018 - ALL RATES SUBJECT TO CHANGE WITHOUT NOTICE
Rates expressed as Annual Percentage Rate (APR)

*Home Equity Loans Terms Automated Payments** Over The Counter (OTC) Payments
Fixed Rate 5 years 3.99% 4.24%
10 years 4.74% 4.99%
15 years 4.99% 5.24%
20 years 5.49% 5.74%

*Other rates and options are available. Please call 1-800-225-2555 for more information today!
Rates based on a maximum Loan to Value (LTV) less than or equal to 80%. A sample Home Equity Loan payment based on a $30,000 loan for 20 years at 5.49% is $206.28. The payments do not include taxes and insurance premiums. APGFCU will pay the closing costs on Fixed Home Equity Loans, up to a maximum of $1,200, not including transfer/recordation taxes. Members may be required to pay appraisal costs when LTV exceeds 80%. If you pay off your Home Equity Loan within three (3) years, we will add any closing costs we paid on your behalf to the outstanding balance. 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 MD, DE, PA, VA, FL and NJ. Subject to credit approval.

Apply for a Home Equity Loan | Payment Examples

Terms & Pricing

Other terms and rates available. Some conditions apply. Offer good in MD, DE, PA, VA, FL and NJ only. Subject to change without notice.
** Automated 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.

Subject to credit approval. Membership eligibility applies. Other restrictions may apply.