FAQ

RTP^® from The Clearing House is a real-time payments platform that all federally insured U.S. depository institutions are eligible to use for payments innovation.

Today, there is a growing need for speed and convenience that is generally not available with traditional payment services. Instant payments allow consumers and businesses to send and receive funds from their accounts at credit unions in real time, any time of day, any day of the year, with immediate funds available to receiver. Currently, your APCI FCU account can only accept payments.

The answer depends on the amount of equity available in the home you own. At APCI FCU, we allow a member to have more than one real estate loan secured by a primary or second (non-business) home provided the total amount borrowed is within the loan to value and policy guidelines. You may have a real estate loan on a primary home and a second home at the same time provided all other criteria are met. Taking a real estate loan may be beneficial depending on interest rate and repayment terms of both the existing and new loan.

The answer depends on the amount of equity available in the home you own. At APCI FCU, we allow a member to have more than one real estate loan secured by a primary or second (non-business) home provided the total amount borrowed is within the loan to value and policy guidelines. You may have a real estate loan on a primary home and a second home (Rental or Primary Home) at the same time provided all other criteria are met. Taking a real estate loan may be beneficial depending on interest rate and repayment terms of both the existing and new loan.

Yes, if our interest rate is lower than the interest rate you are paying on your current vehicle loan, it may make sense to refinance with us. To do so, you will need to complete a loan application, provide a copy of your vehicle registration and a 15-day payoff letter from your existing financial institution. The fee to transfer your vehicle loan to the Credit Union is your state's DMV lien fee.