Go to main content APCI Federal Credit UnionCelebrating 70 Years APCI eBanking

Share Rates

Rates effective February 1, 2024, at 7:30 am ET

Rates are subject to change.

Savings & Alternate Accounts
Account TypeDividend RateAPY**
Savings & Alternate Accounts* 0.150% 0.150%
* $5.00 minimum balance required to earn dividends. Rate is variable and subject to change after account is open. Fees may reduce earnings.
** APY = Annual Percentage Yield. APY assumes dividends remain in account.

Money Market
Account TypeRateAPY**
Money Market*
$500.00 - $4,999.99 1.980% 2.000%
$5,000.00 - $99,999.99 2.230% 2.250%
$100,000.00+ 2.470% 2.500%

* $500.00 minimum balance required to earn dividends. Rate is variable and subject to change after account is opened. Fees may reduce earnings. 
** APY = Annual Percentage Yield. APY assumes dividends remain in account.

Certificates
TermDividend RateAPY**
Regular & IRA (Traditional & Roth)*
3 months 2.960% 3.000%
6 months 3.445% 3.500%
12 months 4.170% 4.250%
18 months 3.930% 4.000%
24 months 3.690% 3.750%
30 months 3.690% 3.750%
36 months 3.690% 3.750%
48 months 3.690% 3.750%
60 months 3.445% 3.500%
* $500 minimum deposit required. A penalty may be imposed for withdrawals made before maturity.
** APY = Annual Percentage Yield. APY assumes dividends remain in account.

Checking
Account TypeDividend RateAPY**
Checking* 0.010% 0.010%
* Rates is variable and subject to change after account is open. Fees may reduce earnings.
** APY = Annual Percentage Yield. APY assumes dividends remain in account.

IRA
Account TypeDividend RateAPY**
Traditional & Roth* 0.150% 0.150%
* Rate is variable and subject to change after account is open. $1.00 minimum balance required.
** APY = Annual Percentage Yield. APY assumes dividends remain in account.

Loan Rates

Rates effective February 1, 2024, at 7:30 am ET

Rates are subject to change.

Vehicles
TermRateAPR*Pymt Based on $1,000 Borrowed on Rate
New Auto
3 years 5.990% 5.990% $30.43
4 years 6.240% 6.240% $23.60
5 years 6.240% 6.240% $19.45
6 years 6.490% 6.490% $16.81
7 years 6.990% 6.990% $15.10
Used Auto**
2016-2025 model years
3 years (2016-2025) 5.990% 5.990% $30.43
4 years (2016-2025) 6.240% 6.240% $23.60
5 years (2018-2025) 6.240% 6.240% $19.45
6 years (2020-2025) 6.490% 6.490% $16.81
7 years (2022-2025) 6.990% 6.990% $15.10
Older Auto**
2004-2015 model years
Up to 4 years 8.490% 8.490% $24.65
New & Used Motorcycles**
2016-2025 model years - street legal 300cc minimum size motorcycles only
Up to 6 years 7.490% 7.490% $17.29
* APR = Annual Percentage Rate.
** Term based on age of vehicle.

Purchase/First Mortgage
Name
For Loan Options, Rates, and Terms - visit our Purchase/First Mortgage Center

Refinance Mortgage
TermRateAPR*Pymt Based on $1,000 Borrowed on Rate
Refinance Mortgage
5 years** 6.900% 7.270% $19.76
5 years*** 6.400% 7.410% $19.52
10 years** 7.000% 7.200% $11.61
10 years*** 6.500% 7.040% $11.36
15 years** 7.000% 7.140% $8.99
15 years*** 6.500% 6.880% $8.71
20 years** 7.250% 7.360% $7.91
20 years*** 6.750% 7.060% $7.61
30 years** 7.250% 7.340% $6.83
30 years*** 6.750% 6.990% $6.49
* APR = Annual Percentage Rate.
** Refinance Mortgage APR based on $100,000 mortgage & includes $875 processing fee.

*** Refinance Mortgage APR based on $100,000 mortgage & includes $2,375 processing fee. 

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% 8.000% 8.000% $13.00 with a minimum of $100 per month
Fixed Rate Home Equity
5 years 5.740% 5.740% $19.22
7 years 6.240% 6.240% $14.73
10 years 6.240% 6.240% $11.23
15 years 6.490% 6.490% $8.71
20 years 7.240% 7.240% $7.91
* APR = Annual Percentage Rate. Line of Credit rate is variable and subject to change after loan account is open.

Secured & Unsecured
Account TypeRateAPR*Pymt Based on $1,000 Borrowed on Rate
Secured
Savings or Certificates, Non IRA Shares
Up to 5 years 5.000% 5.000% $18.87
Unsecured
2 years 9.740% 9.740% $46.04
5 years 10.740% 10.740% $21.62
* APR = Annual Percentage Rate.

Fast Cash/Overdraft Protection
Account TypeRateAPR*Minimum Payment
Fast Cash/Overdraft Protection*
variable prime rate plus 3%
Line of Credit 11.500% 11.500% Minimum payment of $30 or 3% of balance
* APR = Annual Percentage Rate. Rate is variable and subject to change after loan account is open.

Mastercard®
Card TypeRateAPR*Minimum Payment
Mastercard Plus 11.900% 11.900% Minimum payment of $15 or 3% of balance
* APR = Annual Percentage Rate.

Go to main navigation