Loan Rates
Rates effective February 1, 2019, at 8:00 am ET
Rates are subject to change.
Vehicles
| Term | Discount 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
| Term | Discount 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 Type | Discount 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 Type | Discount 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 Type | Discount Rate+ | APR* | Minimum Payment |
|---|---|---|---|
| Fast Cash/Overdraft Protection* variable prime rate plus 3% | |||
| Line of Credit | 8.50% | 8.50% | |
| * 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 | 8.90% | 8.90% | Minimum payment of $15 or 3% of balance |
| * APR = Annual Percentage Rate. | |||