Go to main content APCI Federal Credit UnionCelebrating 70 Years APCI eBanking

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For a limited time, we’re offering a low rate of 5.99% APR* when you draw on your available funds from May 1, 2024, through July 31, 2024. This Promotional Rate of 5.99% is fixed for 12 months, then your low rate is based on prime with a floor rate of 4.00% variable APR thereafter. You can use this smart financial tool for anything.

A Home Equity Line of Credit (HELOC) is flexible and ready when you are. Remodel your home, consolidate high-interest debt, take your dream vacation – anything at all! 


Simply transfer your available HELOC funds to your APCI FCU Checking Account and start enjoying this great low fixed rate valid for twelve months! 


Apply Online

  • APCI eBanking Users: log in to APCI eBanking > Apply for a Loan > Apply for a Real Estate Loan
  • Non APCI eBanking users: Apply for a Real Estate Loan



* APR=Annual Percentage Rate. HELOC advances made between May 1, 2024, and July 31, 2024, will qualify for the Promotional Rate of 5.99% APR, valid through July 31, 2025. Payments will be applied toward the interest first and then to the promotional balance. On August 1, 2025, your rate will revert back to the variable rate based on prime with a floor rate of 4.00%. Promotional rate is available to existing and new HELOCs. Please review our list of eligible states for Real Estate Secured Loan products before applying. This loan can only be secured by your primary residence or second home.

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