Rates & Terms
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Rates & Terms

Rates effective April 1, 2021, 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% 4.00% 4.00% $10.13 with a minimum of $100 per month

Promotional Rate 4/1/21-6/30/21***


1.99% 1.99% $10.13 with a minimum of $100 per month
Fixed Rate Home Equity**
5 years 3.85% 3.85% $18.35
7 years 3.99% 3.99% $13.66
10 years 4.24% 4.24% $10.24
15 years 4.50% 4.50% $7.65
20 years 5.49% 5.49% $6.87

* 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.

***APR = Annual Percentage Rate. HELOC advances made between April 1 and June 30, 2021, will qualify for the Spring Promotional Rate of 1.99% APR, valid through June 30, 2023. Payments will be applied toward the interest first and then to the promotional balance. On July 1, 2023, your rate will revert back to the variable rate based on prime with a floor rate of 4.00%. Promotion is available to existing and new HELOCs. 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.

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