Turn Your Home Equity into Opportunity
For a limited time, we’re offering a low rate of 4.25% APR* when you draw on your available funds through November 30, 2026. This Promotional Rate of 4.25% is fixed for 2 Years, 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.
- Renovate
- Consolidate
- Travel
- Learn
Simply transfer your available HELOC funds to your APCI FCU Checking Account and start enjoying this great low fixed rate valid for 2 Years!
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 September 1, 2026, and November 30, 2026, will qualify for the Promotional Rate of 4.25% APR, valid through November 30, 2028. Payments will be applied toward the interest first and then to the promotional balance. On December 1, 2028, your rate will revert to the variable rate based on prime with a floor rate of 4.00%. Promotion is available to existing and new HELOCs. 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.
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