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Share Rates

Rates effective May 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 - $99,999.99 1.980% 2.000%
$100,000.00 - $249,999.99 2.230% 2.250%
$250,000.00+ 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%
5 months - Special Rate!*** 4.890% 5.000%
5 months - New Money Special*** 5.130% 5.250%
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.

***This offer, including the stated APY (Annual Percentage Yield), is effective 3/1/24 beginning at 7:30 am ET. APY assumes dividends remain in the account. A $500 minimum deposit is required with a maximum deposit of $250,000 per member account type will apply. This certificate will automatically transfer to your Primary Share (S1) account at maturity. Penalties for early withdrawal may reduce the earnings on the share certificate account. Share Certificate renewals are not automatically eligible for the promotional Share Certificate rate. This offer can expire at any time, without prior notice. New Money at APCI FCU would consist of bank-to-bank transfers, cash deposits, checks deposited from another financial institution, and wire transfers. Deposits must be presented to APCI no more than 48 hours before opening the New Money Certificate to qualify for the 5.25% APY.

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 May 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% 5.99% $30.43
4 years 5.990% 5.99% $23.49
5 years 5.990% 5.99% $19.34
6 years 5.990% 5.99% $16.58
7 years 5.990% 5.99% $14.61
Used Auto**
2016-2025 model years
3 years (2016-2025) 5.990% 5.99% $30.43
4 years (2016-2025) 5.990% 5.99% $23.49
5 years (2018-2025) 5.990% 5.99% $19.34
6 years (2020-2025) 5.990% 5.99% $16.58
7 years (2022-2025) 5.990% 5.99% $14.61
Older Auto**
2004-2015 model years
Up to 4 years 8.490% 8.49% $24.65
New & Used Motorcycles**
2016-2025 model years - street legal 300cc minimum size motorcycles only
Up to 6 years 7.490% 7.49% $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** 6.400% 6.77% $19.52
5 years*** 5.900% 6.90% $19.29
10 years** 6.500% 6.70% $11.36
10 years*** 6.000% 6.53% $11.11
15 years** 6.500% 6.64% $8.71
15 years*** 6.000% 6.38% $8.44
20 years** 6.750% 6.86% $7.61
20 years*** 6.250% 6.55% $7.31
30 years** 6.750% 6.84% $6.49
30 years*** 6.250% 6.48% $6.16
* 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% 8.00% $13.00 with a minimum of $100 per month

Promotional Rate

5/1/24 - 7/31/24

5.990% 5.99% $13.00 with a minimum of $100 per month
Fixed Rate Home Equity
5 years 5.740% 5.74% $19.22
7 years 6.240% 6.24% $14.73
10 years 6.240% 6.24% $11.23
15 years 6.490% 6.49% $8.71
20 years 7.240% 7.24% $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% 5.00% $18.87
Unsecured
2 years 9.990% 9.99% $46.16
5 years 10.990% 10.99% $21.75
* 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% 11.50% 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% 11.90% Minimum payment of $15 or 3% of balance
* APR = Annual Percentage Rate.

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