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Rates & Terms

Rates effective January 3, 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.
 

Home Equity
Account TypeRateAPR*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% 7.000% 7.000% $11.61 with a minimum of $100 per month
Fixed Rate Home Equity**
5 years 4.120% 4.120% $18.47
7 years 4.740% 4.740% $14.01
10 years 4.990% 4.990% $10.60
15 years 5.250% 5.250% $8.04
20 years 5.740% 5.740% $7.02

* 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.

 

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