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Home > Rates > Loan Rates
Loan Rates

Loan Rates

Rates effective March 1, 2017 at 8:00 am ET

Rates Subject to Change

Loan Rates

Motor Vehicles
Discount Rate+APR+*Pymt Based on $1,000 Borrowed on Rate+

New

3 years 0.99% 0.99% $28.20
4 years 1.49% 1.49% $21.47
5 years 1.74% 1.74% $17.41
6 years 1.99% 1.99% $14.75

Used**
2009-2017 model years

3 years 0.99% 0.99% $28.20
4 years 1.49% 1.49% $21.47
5 years (2011-2017) 1.74% 1.74% $17.41
6 years (2013-2017) 1.99% 1.99% $14.75

Older Auto**
2008 and older models

Up to 4 years 4.99% 4.99% $23.02

Motorcycles**
2009-2017 model years
300 CC and larger

New and Used up to 6 years 3.99% 3.99% $15.64
+ 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.

Mortgage/Home Equity
Discount Rate+APR+*Pymt Based on $1,000 Borrowed on Rate+
Refinance Mortgage (RM)**
Fixed monthly payment
5 years 2.49% 2.72% $17.74
10 years 2.87% 2.99% $9.60
15 years 3.02% 3.10% $6.92
20 years 3.60% 3.67% $5.85
Variable Rate Home Equity
prime rate minus 1/2%

(floor of 4% & cap of 18%)
Line of Credit 4.00% 4.00% $10.12 with a minimum of $100 per month
Fixed Rate Home Equity***
5 years 3.24% 3.24% $18.08
7 years 3.99% 3.99% $13.66
10 years 4.24% 4.24% $10.24
15 years 4.99% 4.99% $7.90
20 years 5.74% 5.74% $7.02
+ 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 $575 processing fee.
*** Texas residents call Credit Union for APRs.

Personal
Discount Rate+APR+*Pymt Based on $1,000 Borrowed on Rate+
Secured Shares, CDs & Air Products Stock (Non IRA Shares)
Up to 5 years 2.95% 2.95% $17.95
Signature Loans
2 years 6.99% 6.99% $44.77
5 years 8.99% 8.99% $20.75
Fast Cash Line of Credit*
(variable prime rate plus 3%)
  6.75% 6.75% Refer to Repayment Schedule

Repayment Schedule

+ 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.

MasterCard®
**NO FEES**
No late fees, over limit fees, annual fees or balance transfer fees
Early Disclosure
Card TypeRateAPR*Minimum Payment
MasterCard Plus 8.90% 8.90% Minimum payment of $15 or 3% of balance
* APR = Annual Percentage Rate.