Rates

Share Rates

Rates effective September 3, 2024, at 7:30 am ET

Rates are subject to change.

Savings & Alternate Accounts

Account Type	Dividend Rate	APY**
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 Type	Rate	APY**
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

Term	Dividend Rate	APY**
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	3.445%	3.500%
36 months	3.445%	3.500%
48 months	3.445%	3.500%
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 Type	Dividend Rate	APY**
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 Type	Dividend Rate	APY**
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.

Rates effective September 3, 2024, at 7:30 am ET

Rates are subject to change.

Vehicles

Term	Rate	APR*	Pymt Based on $1,000 Borrowed on Rate
New Auto
3 years	5.49%	5.49%	$30.20
4 years	5.74%	5.74%	$23.37
5 years	5.99%	5.99%	$19.34
6 years	5.99%	5.99%	$16.58
7 years	5.99%	5.99%	$14.61
Used Auto** 2016-2025 model years
3 years (2016-2025)	5.49%	5.49%	$30.20
4 years (2016-2025)	5.74%	5.74%	$23.37
5 years (2018-2025)	5.99%	5.99%	$19.34
6 years (2020-2025)	5.99%	5.99%	$16.58
7 years (2022-2025)	5.99%	5.99%	$14.61
Older Auto** 2004-2015 model years
Up to 5 years	8.49%	8.49%	$24.65
New & Used Motorcycles** 2016-2025 model years - street legal 300cc minimum size motorcycles only
Up to 6 years	7.49%	7.49%	$17.29
New Recreational Vehicle (RV)
5 years	7.49%	7.49%	$20.04
10 years	7.74%	7.74%	$12.00
15 years	7.99%	7.99%	$9.56
Used Recreational Vehicle (RV)**
5 years (2016-2024)	7.49%	7.49%	$20.04
10 years (2018-2024)	7.74%	7.74%	$12.00
15 years (2018-2024)	7.99%	7.99%	$9.56
* 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

Term	Rate	APR*	Pymt Based on $1,000 Borrowed on Rate
Refinance Mortgage
5 years**	6.15%	6.52%	$19.40
5 years***	5.65%	6.65%	$19.17
10 years**	6.25%	6.45%	$11.23
10 years***	5.75%	6.28%	$10.98
15 years**	6.25%	6.39%	$8.58
15 years***	5.75%	6.12%	$8.31
20 years**	6.50%	6.61%	$7.46
20 years***	6.00%	6.30%	$7.17
30 years**	6.75%	6.84%	$6.49
30 years***	6.25%	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 Type	Rate	APR*	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%	8.00%	8.00%	$13.00 with a minimum of $100 per month
Fixed Rate Home Equity
5 years	5.74%	5.74%	$19.22
7 years	6.24%	6.24%	$14.73
10 years	6.24%	6.24%	$11.23
15 years	6.49%	6.49%	$8.71
20 years	6.99%	6.99%	$7.75
* APR = Annual Percentage Rate. Line of Credit rate is variable and subject to change after loan account is open.

Secured & Unsecured

Account Type	Rate	APR*	Pymt Based on $1,000 Borrowed on Rate
Secured Savings or Certificates, Non IRA Shares
Up to 5 years	5.00%	5.00%	$18.87
Unsecured
2 years	9.99%	9.99%	$46.16
5 years	10.99%	10.99%	$21.75
* APR = Annual Percentage Rate.

Fast Cash/Overdraft Protection

Account Type	Rate	APR*	Minimum Payment
Fast Cash/Overdraft Protection* variable prime rate plus 3%
Line of Credit	11.500%	11.50%	Minimum payment of $15 or 3% of balance
* APR = Annual Percentage Rate. Rate is variable and subject to change after loan account is open.

Mastercard®

Card Type	Rate	APR*	Minimum Payment
Mastercard Plus	11.90%	11.90%	Minimum payment of $15 or 3% of balance
* APR = Annual Percentage Rate.