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  

Pay interest only on amount advanced  

Borrow up to 85% of your home's value2

 
Borrow up to 80% of your home's value  

No fees, points, or closing costs3


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 Borrow up to 90% on 5-year maximum term.

3 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, GA, and the Parish of Orleans in LA. Recording fees in most states are under $200. If the property is located in TX, a processing fee of $300 will be required. An attorney is required to be involved in all Real Estate Loan closings in the following states: DE, GA, MA, SC, and WV. Please contact the Credit Union for more information.

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