- 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
Fraud Texts Security Alert
There is an active scam where identity thieves pretending to be from APGFCU are contacting members via a text alert on their phones. The alert instructs you to click a link, which takes you to a site that appears to be ours to enter your APGFCU login ID and password.
DO NOT CLICK THE LINK IN THE TEXT and only access APGFCU Online Banking via the apgfcu.com website or our mobile app.
Christmas Eve and Christmas Day Closures
All APGFCU offices will be closing at 1 p.m. on Tuesday, December 24 for Christmas Eve, and closed on Wednesday, December 25 for the Christmas Day holiday observance.
Online/Mobile Banking, ABBY Telephone Teller and ATMs will be available during this time.
Regular hours will resume on Thursday, December 26.
Mobile Banking App in Google Play Store is Temporarily Unavailable
The mobile banking app is temporarily unavailable for download in the Google Play Store. Members who have not already downloaded the app may use the browser on their phone (also known as mobile web) to access our online banking. Visit www.apgfcu.com and click “Log In” at the top right corner. We apologize for the inconvenience.
Ed Henderson
Meet Ed Henderson, your APGFCU Mortgage Loan Officer:
321 South Main Street
Bel Air, MD 21014
Cell: 443-243-1470
Fax: 410-612-2477
NMLS#: 2267432
Apply Now Mortgage Calculators Search Mortgage Rates
Ed Henderson
Mortgage Loan Officer
Ed joined APGFCU's mortgage lending team in 2023 and provides expert advice to community members looking to purchase a home or refinance an existing mortgage loan. With 25 years of financial service experience, he excels at helping you find the best mortgage product to fit your needs.
Ed’s goal is to put your best interests first and use his industry knowledge to help you navigate the home-buying process. He understands the thrill of achieving home ownership and how a home is often your largest asset, so the experience must be positive.
Ed is well integrated into the Harford County community, having lived there for nearly 20 years while raising a family and coaching youth sports. He currently enjoys watching his children play sports in college. He continues to be active in the community and enjoys attending local events around town.
Contact Ed at 443-243-1470 to apply for pre-approval for your home purchase or to refinance an existing mortgage loan today!
Loan Options To Fit Your Home Financing Needs
Down Payment Loan Options
Zero Down Payment Options
- 80/20 Program
- Conventional first mortgage for 80% of purchase price plus a second mortgage for the remaining 20%
- $0 down, no mortgage insurance required
Apply Now
Learn More About the
80/20 Program
- USDA (Rural Housing)
- Affordable options for up-front costs
- For a primary residence in an eligible rural area
Apply Now
Learn More About
USDA (Rural Housing) Loans
- VA Loans
- 100% financing with $0 down
- No mortgage insurance required
Apply Now
Learn More About VA Loans
Low Down Payment Options
- FHA Loan
- 3.5% down payment
- MI premium can be financed into a loan
Apply Now
Learn More About FHA Loans
- Conventional 97% and 95% Loans
- 5% down payment (95%)
- Homeready with 3% down and reduced PMI
Apply Now
Learn More About Conventional 97% and 95% Loans
- HomeReady 97%
- 3% down payment
- 1-unit primary residence, including condominiums, are eligible
- Reduced mortgage insurance (MI) rates
Apply Now
Learn More About
HomeReady 97% Loans
Mortgage Options and Programs
Mortgage Loan Options
- Adjustable-Rate Mortgages (ARMs)
- Pay lower interest for the first few years of the loan
- Various term lengths
Apply Now
Learn More About
Adjustable-Rate Mortgages
- Residential/Agricultural Loans
- Up to 85% CLTV
- Primary residence
- Fixed and ARMs allowed
Apply Now
Learn More About
Residential/Agricultural Loans
- Jumbo Mortgage
- Loan amounts up to $1,000,000
- Fixed and adjustable rates are available
- Higher amounts may be considered
- Our jumbo mortgages are for borrowers whose desired loan amount exceeds area conforming limits:
- $726,200 - Cecil County, Harford County, Baltimore County and Baltimore City
Learn More About
Jumbo Mortgage Loans
- Lot Loans
For purchasing an improved, residential-zoned lot for the building of a primary or secondary residence.
- $200,000 maximum loan amount
- Construction must be completed within five years
- Up to 75% of purchase price or appraised value, whichever is lower
- Road access, electricity, water and sewer must be in place
- Not available for spec development or long-term investment
Apply Now
Learn More About Lot Loans
Mortgage Programs and U Educate Rebate
- Down Payment/Closing Cost Assistance Programs
- U Educate Mortgage Rebate
If you're employed and paid by early childhood, primary and secondary schools and colleges, you may be eligible to receive a $500 rebate when you choose APGFCU to finance your home. To learn more about the rebate, click here.