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Options for Every Financial Journey

Plan a vacation, make home improvements, pay for unexpected expenses, make a special purchase, or consolidate debt or higher interest rate loans and save with our fixed interest rate personal loans.

Savings and Certificate Secured Loan*

  • Requires collateral
    • Secured by the funds in your Savings or Certificate at APCI FCU
  • Lower rate than Unsecured Loans
  • Terms up to certificate maturity for Certificate Secured Loans

Unsecured Loan

  • Does not require collateral
  • Two term options to meet your needs
  • Maximum loan limit of $30,000
  • Maximum combined unsecured debt owed to APCI FCU cannot exceed $50,000 with the new loan request. Includes: APCI FCU unsecured loan balance(s) as well as Fast Cash/Overdraft Protection, and Mastercard® lines of credit

* Excludes IRA funds.

Rates & Terms

Rates effective April 1, 2024, at 7:30 am ET
Rates are subject to change.

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% 5.000% $18.87
Unsecured
2 years 9.990% 9.990% $46.16
5 years 10.990% 10.990% $21.75
* APR = Annual Percentage Rate.

Next Steps

A government-issued photo ID is required from all borrowers, co-borrowers, co-signers, and owners of collateral. Proof of income may be required.

Apply Online

  • APCI eBanking users: log in to APCI eBanking > Apply for a Loan > Apply for a Personal Loan
  • Non APCI eBanking users: Apply for a Personal Loan

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