Consider a Refinance Mortgage1 with APCI FCU

and put more money in your pocket!

 You Pay:2

  • Low, one-time processing fee
  • NO Points
  • NO Appraisal Fee
  • NO Private Mortgage Insurance (PMI)

 You have options:

 You prepare:

 You apply:

  • APCIRCUIT® PC Home Banking users: APCIRCUIT > Applications Ctr > Start a new application > Real Estate Loan 
  • Non-APCIRCUIT users: APCI eLoan > Apply for a Loan > Real Estate Loan

Please review our list of eligible states for Real Estate Secured Loan products. This Program is available to refinances and must be a first lien loan secured by your primary residence or second home. APCI FCU does not offer financing on land loans, investment properties, manufactured homes, mobile homes, multi-family homes, homes located in a commercial zoned area or homes deeded under a Trust Agreement. All loans are subject to credit review. If the loan does not close and disburse within 90 calendar days from the date on your loan estimate, the loan request will be considered closed, and you will need to reapply.  Fees: There is a processing fee due at time of disbursal. Appraisal fees in excess of $500 and recording fees in excess of $200 will be the responsibility of the borrower. Appraisal fees are generally less than $500. Recording fees in most states are under $200. States with high recording fees include, but are not limited to: NY, MD, KS, FL, VA and the Parish of Orleans in LA. If the property is located in TX, an additional processing fee of up to $300 will be required in some cases.For repayment terms, please visit

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