Important Notice
In observance of Martin Luther King Jr. Day, all branches and locations will be closed on Monday, January 21. You may access your accounts 24/7 via mobile and online banking, as well as ABBY Telephone Teller.

Furlough Assistance Program available to members impacted by government shutdown. Learn More.

Home Equity Rates

Home Equity Line of Credit Rates

Table data for Home Equity Lines of Credit Rates
 Effective 01-18-2019
CLTV Intro APR1 (12 months) Standard Variable APR1 Alert Me
Introductory Rate: 2.99% for 12 months. Then, 5.50% - 6.50% Variable Rate2 Alert Me
≤ 80% 2.99%2 5.50%
80.01 - 85.00% 2.99%2 6.00%
85.01 – 89.99% - 6.50%
ALL RATES SUBJECT TO CHANGE WITHOUT NOTICE

1APR = Annual Percentage Rate. The rates stated above available on approved credit. Rates may be different as determined by loan term, purpose (purchase/refinance), model year and individual creditworthiness of each applicant. Not all applicants will qualify for the lowest rate.

2Home Equity Line of Credit rates as of January 02, 2019. The introductory rate of 2.99% 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 5.50% 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 Offer may be changed or withdrawn at any time.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 $500 to $1,000 on a $20,000 line of credit.

Home Equity Loan Rates

Table data for Home Equity Rates
 Effective 01-18-2019
Term Fixed APR as low as1 Estimated Monthly Payment
per $1,000 borrowed
Alert Me
5 years 3.99% $18.41
10 years 4.74% $10.48
15 years 4.99% $7.90
20 years 5.49% $6.87
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.

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.

Manufactured Home Loan Rates

Table data for New Manufactured Home Rates
 Effective 01-18-2019
Term Loan Amount New Home — APR as low as Alert Me
1–240 months $50,000 and up 6.94%
1–240 months $25,000 to $49,999 7.44%
1–180 months $15,000 to $24,999 7.94%
1–144 months $10,000 to $14,999 8.44%
1–96 months Less than $10,000 8.94%
APR = 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.

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.

Payments do not include amounts for taxes and insurance premiums and the actual payment obligation will be greater.

For a $50,000 loan for a term of 240 months with an 6.94% APR, the monthly payment will be $385.85.

Table data for Used Manufactured Home Rates
 Effective 01-18-2019
Term Loan Amount Used Home — APR as low as Alert Me
1–240 months $50,000 and up 7.94%
1–240 months $25,000 to $49,999 8.44%
1–180 months $15,000 to $24,999 8.94%
1–144 months $10,000 to $14,999 9.44%
1–96 months Less than $10,000 9.94%
APR = 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.

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.

Payments do not include amounts for taxes and insurance premiums and the actual payment obligation will be greater.

For a $25,000 loan for a term of 240 months with an 8.44% APR, the monthly payment will be $216.01.