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Put Your Home's Equity to Work for You

Unlock your home’s potential with a Home Equity Loan or Home Equity Line of Credit from APCI Federal Credit Union.

Not sure which option is best for you?

Compare the Features

Features Home Equity Loan1 Home Equity Line of Credit1
Variable Interest Rate  
Revolving Line of Credit  
Fixed Interest rate and payment  
One-time fund disbursement  
Draw funds as needed  
Borrow up to 85% of your home's value  
Borrow up to 80% of your home's value  
No fees, points, or closing costs2

Please review our list of eligible states for Real Estate Secured Loan products. This loan can only be secured by your primary residence or second home. APCI FCU does not offer financing on land loans, investment properties, manufactured homes, mobile homes, multi-family homes, homes located in a commercial zoned area, or homes deeded under a Trust Agreement. If the Home Equity Loan does not close and disburse within 90 calendar days from the date on your loan estimate, the loan request will be considered closed and you will need to reapply.

2 There are no fees associated with this loan product; however, appraisal fees in excess of $500 and recording fees in excess of $200 will be the responsibility of the borrower. Appraisal fees are generally less than $500. States with high recording fees include, but are not limited to: CA, NY, MD, KS, FL, VA, and the Parish of Orleans in LA. Recording fees in most states are under $200.

Rates & Terms

Rates effective May 1, 2024, at 7:30 am ET
Rates are subject to change.

If you are interested in refinancing your existing APCI Federal Credit Union Real Estate Loan without requesting additional funds, please contact us. We have a special program for rate/term refinances.

Home Equity
Account TypeRateAPR*Pymt Based on $1,000 Borrowed on Rate
Variable Rate Home Equity Line of Credit
Prime rate minus 1/2%: floor of 4% & cap of 18% 8.000% 8.000% $13.00 with a minimum of $100 per month

Promotional Rate

5/1/24 - 7/31/24

5.990% 5.990% $13.00 with a minimum of $100 per month
Fixed Rate Home Equity
5 years 5.740% 5.740% $19.22
7 years 6.240% 6.240% $14.73
10 years 6.240% 6.240% $11.23
15 years 6.490% 6.490% $8.71
20 years 7.240% 7.240% $7.91
* APR = Annual Percentage Rate. Line of Credit rate is variable and subject to change after loan account is open.

Loan - Real Estate

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