- 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
- Notary Services
Home Equity Loans and Lines of Credit
Now is a great time to dream big and put your equity to work! Choose the flexibility of a Home Equity Line of Credit or the fixed-rate term and monthly payments of a Home Equity Loan.
Need Help Building Credit?
The APGFCU Credit Builder Program may be right for you. We’ll work with you to put you in the right loan and get you back on track. Plus, if you pay as agreed for one year, we’ll even lower your interest rate – automatically.
Rates As Low As
Home Equity Loan
As Low As
4.99% APR*
Home Equity Line of Credit
Introductory APR for 12 Months
2.99% APR*
APR after introductory period
8.50% APR*
*APR = Annual Percentage Rate. The rates stated above available on approved credit. Rates may be different as determined by loan term, purpose (purchase/refinance), and individual creditworthiness of each applicant. Not all applicants will qualify for the lowest rate.
Home Equity Line of Credit rates as of 05-17-2024. An 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 8.50% 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 D.C., DE, FL, MD, NC, NJ, PA, SC and VA. Subject to credit approval. Offer may be changed or withdrawn at any time.
Compare Home Equity Loans and Lines of Credit
Should You Choose a Loan or Line?
Both a Home Equity Loan and a Home Equity Line of Credit use the equity in your home as collateral, but each offer their own unique features and benefits. Compare your options to see which loan is right for you.
Single payout at closing
Borrow up to 95% LTV
Fixed monthly payments; fixed term
Advance funds up to available balance during draw period
Revolving line of credit
Closing costs paid by APGFCU
0.25% discount with automated payments2
No application or annual fees
1If you close your Home Equity Line of Credit within three (3) years, we may add a prorated portion of the closing costs we paid to your outstanding loan balance based on the length of time the loan has been opened. Closing costs generally range from $100 to $6,500 (maximum line of credit of $424,100).
2Automated 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.