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| Rates through: September 30th, 2010 |
| Rates Subject to Change |
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Vehicles
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APR*
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Discount APR**
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Payment based on $1,000 borrowed on APR* |
| New |
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| up to 3 years |
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3.24% |
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2.99%
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$29.19
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| up to 4 years |
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4.24% |
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3.99%
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$22.69
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| up to 5 years |
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4.24% |
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3.99%
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$18.53
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| up to 6 years |
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4.24% |
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3.99%
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$15.75
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| Used + |
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| up to 3 years |
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3.24% |
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2.99%
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$29.19
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| up to 4 years |
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4.24% |
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3.99%
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$22.69
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up to 5 years
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4.24% |
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3.99%
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$18.53
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Older Models/Classic
up to 3 years
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8.50% |
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8.25% |
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$31.57
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| Motorcycles |
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New and Used up to 5 years
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5.24% |
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4.99%
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$18.98
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* APR = Annual Percentage Rate.
**Discount APR reflects a 1/4% discount for establishing automatic payment from your APCI FCU account.
+Term based on age and value of vehicle.
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APR*
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Discount APR**
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Payment based on $1,000 borrowed on APR* |
Refinance Mortgage (RM)...more>>
Fixed monthly payment |
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| 10 Years |
4.74% |
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4.49%
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$10.48
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| 15 Years |
4.99%
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4.74%
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$7.90
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| 20 Years |
5.24%
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4.99%
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$6.73
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Variable Rate Line of Credit
Prime minus 1/2% (with a floor of 4%)
|
4.00%
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N/A
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Call for monthly payment
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| Fixed Rate/Term |
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| up to 5 years |
5.24%
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4.99%
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$18.98
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| 7 years*** |
5.74% |
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5.49%
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$14.48
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| 10 years*** |
5.99% |
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5.74%
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$11.10
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| 15 years*** |
6.49% |
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6.24%
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$8.71
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| 20 years*** |
6.74% |
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6.49%
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$7.60
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| Interest Only Home Equity 5 years (fixed) |
6.24%
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5.99%
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$5.20
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*APR = Annual Percentage Rate.
**Discount APR reflects 1/4% reduction for establishing automatic payment from your APCI FCU account. Discount APR does not apply to HELOC, Fast Cash and MasterCard.
***Fixed Term Loans with Loan to Value of > 85% to 90% - add 1/2% to rate.
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APR* |
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Discount APR** |
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Payment based on $1,000 borrowed on APR* |
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Secured Shares, CDs & Air Products Stock up to 5 years
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4.09%
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3.84%
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$18.46
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| Signature Loans |
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| 2 years |
6.24%
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5.99%
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$44.43
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| 3 to 5 years |
11.99% |
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11.74%
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$22.24
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Fast Cash Line of Credit*
(Prime +3% )
*New enrollments accepted as of 8/1/10.
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6.25%
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N/A
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Refer to Repayment Schedule
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Repayment Schedule
*APR = Annual Percentage Rate.
**Discount APR reflects 1/4% reduction for establishing automatic payment from
your APCI FCU account. Discount APR does not apply to HELOC, Fast Cash and MasterCard.
| MASTERCARD |
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***No Fees*** - no late fees, over limit fees, annual fees or balance transfer fees
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| CURewards on Gold MasterCard |
APR* |
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Discount APR** |
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Payment based on $1,000 borrowed on APR* |
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Gold MasterCard
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8.90%
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N/A
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Minimum payment of $15 or 3% of balance
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| Classic MasterCard |
10.90% |
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N/A
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*APR = Annual Percentage Rate.
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APR*
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APY*
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Share Savings & Club
Accounts ($50 - $9,999.99)
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1.00%
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1.00% |
Share Savings & Club Accounts ($10,000 to $49,999.99)
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1.09% |
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1.10% |
Share Savings & Club
Accounts ($50,000 and over)
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1.24% |
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1.25% |
| IRA Shares (Traditional & Roth) |
1.09% |
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1.10% |
| Share Draft (Checking) |
0.50% |
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0.50% |
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| *APY is annual percentage yield and APR is annual percentage rate. |
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SHARE Certificates
$500 Minimum Deposit Required
Regular & IRA (Traditional & Roth)
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APR*
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APY*
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| 3 months |
1.00%
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1.00%
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| 6 months |
1.24%
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1.25%
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| 12 months |
1.49%
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1.50%
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| 18 months |
1.74%
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1.75%
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| 24 months |
1.74%
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1.75%
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| 30 months |
1.98%
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2.00%
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| 36 months |
2.47%
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2.50%
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| 48 months |
2.96%
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3.00%
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+ Based on Average Daily Balance
*APY is annual percentage yield and APR is annual percentage rate.
NOTICE: Fees could reduce the earnings on the savings and certificate accounts listed above.
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Tools & Resources
