Rates & Terms
Rates effective February 1, 2019, at 8:00 am ET
Rates are subject to change.
Home Equity
| Account Type | Discount Rate+ | APR+* | Pymt Based on $1,000 Borrowed on Rate+ |
|---|---|---|---|
| Variable Rate prime rate minus 1/2%: floor of 4% & cap of 18% | |||
| Line of Credit | 5.00% | 5.00% | $10.61 with a minimum of $100 per month |
| Fixed Rate** | |||
| 5 years | 4.25% | 4.25% | $18.53 |
| 7 years | 4.49% | 4.49% | $13.90 |
| 10 years | 4.74% | 4.74% | $10.48 |
| 15 years | 5.24% | 5.24% | $8.03 |
| 20 years | 5.99% | 5.99% | $7.16 |
| + Discount rate reflects a 1/4% reduction for establishing automatic payment from your APCI FCU account. No discount on HELOC, Fast Cash & Mastercard products. * APR = Annual Percentage Rate. Line of Credit rate is variable and subject to change after loan account is open. ** Texas residents call Credit Union for APRs and fees. | |||