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Home Equity Rates

Home Equity Line of Credit Rates

Table data for Home Equity Line of Credit Rates
 Effective 06-18-2021
CLTV Intro APR1 (12 months) Standard Variable APR1 Alert Me
Introductory Rate: 1.99% for 12 months. Then, 3.25% - 4.25% 2 Alert Me
≤ 80% 1.99% 3.25%
80.01 - 85.00% 1.99% 3.75%
85.01 – 89.99% - 4.25%
ALL RATES SUBJECT TO CHANGE WITHOUT NOTICE

1APR = Annual Percentage Rate. The rates stated are available on approved credit. Rates may be different as determined by the individual creditworthiness of each applicant. Not all applicants will qualify for the lowest rate.

2The introductory rate of 1.99% APR 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 3.25% 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 MD, DE, PA, VA, FL and NJ. Subject to credit approval. Offer may be changed or withdrawn at any time.

If you close your Home Equity Line of Credit within three (3) years, we will add any closing costs we paid to your outstanding balance. Closing costs generally range from $100 to $6,500 (maximum line of credit of $485,000).

Home Equity Loan Rates

Table data for Home Equity Rates
 Effective 06-18-2021
Term Fixed APR as low as1 Monthly Payment
per $1,000 borrowed2
Alert Me
5 years 3.99% $18.41
10 years 4.24% $10.24
15 years 4.49% $7.64
20 years 4.74% $6.46
Rates reflect a 0.25% discount for Automated Payments. To qualify for the Automated Payment Interest Rate, at the time of loan settlement you must establish an automated payment from an APGFCU account to repay your loan.
  • 1APR = Annual Percentage Rate. The rates stated are available on approved credit. Rates may be different as determined by the individual creditworthiness of each applicant. Not all applicants will qualify for the lowest rate.
  • 2Payment does not include taxes or insurance premiums. Actual payment obligation will be greater if taxes and insurance are included.

Other rates and options are available. Please call 1-800-225-2555 for more information today!

Rate based on Prime Lending Rate as published in the Wall St. Journal. Maximum 18% APR. Other terms and rates available. Some conditions apply. Offer good in MD, DE, PA, VA, FL, and NJ only. Subject to change without notice.