Home Equity

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

FeaturesHome Equity Loan1Home 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

1 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: NY, MD, KS, FL, VA, and the Parish of Orleans in LA. Recording fees in most states are under $200. 

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