Share Rates
Loan Rates

Loan Rates

Rates effective February 1, 2019, at 8:00 am ET
Rates are subject to change.

 

Vehicles
TermDiscount Rate+APR+*Pymt Based on $1,000 Borrowed on Rate+
New Auto
3 years 2.74% 2.74% $28.97
4 years 3.24% 3.24% $22.24
5 years 3.49% 3.49% $18.19
6 years 3.74% 3.74% $15.53
Used Auto**
2011-2019 model years
3 years 2.74% 2.74% $28.97
4 years 3.24% 3.24% $22.24
5 years (2013-2019) 3.49% 3.49% $18.19
6 years (2015-2019) 3.74% 3.74% $15.53
Older Auto**
1999-2010 model years
Up to 4 years 6.24% 6.24% $23.60
New & Used Motorcycles**
2011-2019 model years - street legal 300cc minimum size motorcycles only
Up to 6 years 5.49% 5.49% $16.33
+ 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.
** Term based on age of vehicle.

Refinance Mortgage
TermDiscount Rate+APR+*Pymt Based on $1,000 Borrowed on Rate+
Refinance Mortgage**
5 years 3.71% 3.99% $18.29
10 years 3.95% 4.10% $10.10
15 years 4.20% 4.30% $7.50
20 years 4.42% 4.50% $6.28
+ 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.
** Refinance Mortgage APR based on $100,000 mortgage & includes $700 processing fee. Texas residents call Credit Union for APRs and fees.

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.

Secured & Unsecured
Account TypeDiscount Rate+APR+*Pymt Based on $1,000 Borrowed on Rate+
Secured
Shares or Share Certificates, Non IRA Shares
Up to 5 years 3.30% 3.30% $18.10
Unsecured
2 years 8.74% 8.74% $45.57
5 years 10.74% 10.74% $21.61
+ 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.

Fast Cash/Overdraft Protection
Account TypeDiscount Rate+APR*Minimum Payment
Fast Cash/Overdraft Protection*
variable prime rate plus 3%
Line of Credit 8.50% 8.50%

Repayment Schedule

* APR = Annual Percentage Rate. Rate is variable and subject to change after loan account is open.

Mastercard®
Card TypeRateAPR*Minimum Payment
Mastercard Plus 8.90% 8.90% Minimum payment of $15 or 3% of balance
* APR = Annual Percentage Rate.

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