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Rates & Terms

Rates effective February 1, 2019, at 8:00 am ET

Rates are subject to change.
 

Home Equity
Account TypeDiscount 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.

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