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Loan Rates

Loan Rates

Rates effective December 3, 2018 at 8:00 am ET

Rates Subject to Change

Loan Rates

Motor Vehicles
Discount Rate+APR+*Pymt Based on $1,000 Borrowed on Rate+

New

3 years 2.49% 2.49% $28.86
4 years 2.99% 2.99% $22.13
5 years 3.24% 3.24% $18.08
6 years 3.49% 3.49% $15.41

Used**
2010-2018 model years

3 years 2.49% 2.49% $28.86
4 years 2.99% 2.99% $22.13
5 years (2012-2018) 3.24% 3.24% $18.08
6 years (2014-2018) 3.49% 3.49% $15.41

Older Auto**
1998-2009 model years

Up to 4 years 5.99% 5.99% $23.48

Motorcycles**
2010-2018 model years
300 CC and larger

New and Used up to 6 years 5.24% 5.24% $16.22
+ Discount rate reflects a 1/4% reduction for establishing automatic payment from your APCI FCU account. No discount on HELOC, Fast Cash & Mastercard products.
* APR = Annual Percentage Rate.
** Term based on age of vehicle.

Mortgage/Home Equity
Discount Rate+APR+*Pymt Based on $1,000 Borrowed on Rate+
Refinance Mortgage (RM)**
Fixed monthly payment
5 years 3.74% 4.01% $18.30
10 years 3.99% 4.13% $10.12
15 years 4.27% 4.37% $7.53
20 years 4.74% 4.82% $6.46
Variable Rate Home Equity
prime rate minus 1/2%

(floor of 4% & cap of 18%)
Line of Credit 4.75% 4.75% $10.36 with a minimum of $100 per month
Fixed Rate Home Equity***
5 years 4.12% 4.12% $18.47
7 years 4.49% 4.49% $13.90
10 years 4.74% 4.74% $10.48
15 years 5.24% 5.24% $8.03
20 years 5.99% 5.99% $7.16
+ Discount rate reflects a 1/4% reduction for establishing automatic payment from your APCI FCU account. No discount on HELOC, Fast Cash & Mastercard products.
* APR = Annual Percentage Rate.
** Refinance Mortgage APR based on $100,000 mortgage & includes $675 processing fee. Texas residents call Credit Union for APRs and fees.
*** Texas residents call Credit Union for APRs and fees.

Personal
Discount Rate+APR+*Pymt Based on $1,000 Borrowed on Rate+
Secured Loans (Shares or Share Certificates, Non IRA Shares)
Up to 5 years 3.30% 3.30% $18.10
Unsecured Loans
2 years 5.99% 5.99% $44.32
5 years 7.99% 7.99% $20.27
Fast Cash Line of Credit*
(variable prime rate plus 3%)
  8.25% 8.25% Refer to Repayment Schedule

Repayment Schedule

+ Discount rate reflects a 1/4% reduction for establishing automatic payment from your APCI FCU account. No discount on HELOC, Fast Cash & Mastercard products.
* APR = Annual Percentage Rate.

Mastercard®
**NO FEES**
No late fees, over limit fees, annual fees or balance transfer fees
Early Disclosure
Card TypeRateAPR*Minimum Payment
Mastercard Plus 8.90% 8.90% Minimum payment of $15 or 3% of balance
* APR = Annual Percentage Rate.