Rates & Terms
Rates effective September 1, 2023, at 7:30 am ET
Rates are subject to change.
If you are interested in refinancing your existing APCI Federal Credit Union Real Estate Loan without requesting additional funds, please contact us. We have a special program for rate/term refinances.
| Account Type | Rate | APR* | Pymt Based on $1,000 Borrowed on Rate |
|---|---|---|---|
| Variable Rate Home Equity Line of Credit | |||
| Prime rate minus 1/2%: floor of 4% & cap of 18% | 8.000% | 8.000% | $13.00 with a minimum of $100 per month |
Promotional Rate** 8/1/23 - 10/31/23 |
5.490% | 5.490% | $13.00 with a minimum of $100 per month |
| Fixed Rate Home Equity | |||
| 5 years | 5.240% | 5.240% | $18.98 |
| 7 years | 5.740% | 5.740% | $14.49 |
| 10 years | 5.740% | 5.740% | $10.98 |
| 15 years | 5.990% | 5.990% | $8.44 |
| 20 years | 6.740% | 6.740% | $7.60 |
* APR = Annual Percentage Rate. Line of Credit rate is variable and subject to change after loan account is open. **HELOC advances made between August 1, 2023, and October 31, 2023, will qualify for the Promotional Rate of 5.49% APR, valid through October 31, 2024. Payments will be applied toward the interest first and then to the promotional balance. On November 1, 2024, 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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