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Home Equity Lines of Credit

A Home Equity Line of Credit (or a HELOC) is secured by your home. With an APGFCU Home Equity Line of Credit, you can access the equity in your home when you need it. Complete the form to the right for more information.

Product Features

  • No application or annual fees
  • We pay closing costs, not including transfer/recordation taxes*
  • Flexibility to borrow, pay back, and re-borrow
  • Use funds from your line of credit over time

For personalized service:

  • Call 1-800-225-2555, press 4.
  • Come in to any branch.

Home Equity Lines of Credit Rates

Rates expressed as Annual Percentage Rate (APR)

Introductory Rate: 2.99% for 12 months. Then, 5.25% - 6.25% Variable Rate
Home Equity Line of Credit CLTV Intro Rate (12 months) Standard Variable Rates
≤ 80% † 2.99% 5.25%
80.01 - 85.00% † 2.99% 5.75%
85.01 – 89.99% - 6.25%

Home Equity Line of Credit rates as of November 06, 2018. 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 5.25% 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 Offer may be changed or withdrawn at any time.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 $500 to $1,000 on a $20,000 line of credit.

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