Home Equity

Q: What is the maximum amount I can finance on my home?

For a refinance mortgage loan, the maximum amount available is 90% of your home's appraised value with a maximum of $1,000,000, or 80% of your home's appraised value with a maximum of $1,500,000. For a home equity line of credit, the maximum is 80% of your home’s appraised value with a limit of $500,000. For a fixed rate and term home equity loan, the maximum is 85% of your home's appraised value.

Q: Can I use a refinance mortgage loan to borrow equity for any reason?

Whether you own your home free and clear, or have a mortgage, if you have built up equity in your home, you may choose to refinance your mortgage with APCI FCU. You can use this equity to remodel your home, purchase a second home, pay for college tuition and more.

Q: Are there any points or fees for a real estate loan?

There are no points. There is a low one-time processing fee due at the time of disbursal for a Refinance Mortgage Loan, which can be financed into the loan or paid out of pocket. There are no processing fees for Home Equity Loans. For all loan types, 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: CA, NY, MD, KS, FL, VA, and the Parish of Orleans in LA. Please contact the Credit Union for more information.

Q: Do you offer real estate loans?

Yes, we offer Purchase Mortgages , Refinance Mortgage Loans , fixed rate Home Equity Loans , and variable rate Home Equity Lines of Credit .

Q: Can I have more than one mortgage loan against a property at APCI FCU?

The answer depends on the amount of equity available in the home you own. At APCI FCU, we allow a member to have more than one real estate loan secured by a primary or second (non-business) home provided the total amount borrowed is within the loan to value and policy guidelines. You may have a real estate loan on a primary home and a second home (Rental or Primary Home) at the same time provided all other criteria are met. Taking a real estate loan may be beneficial depending on interest rate and repayment terms of both the existing and new loan.

Put Your Home's Equity to Work for You

Unlock your home’s potential with a Home Equity Loan or Home Equity Line of Credit from APCI Federal Credit Union.

Not sure which option is best for you?

Compare the Features

Features	Home Equity Loan¹	Home Equity Line of Credit¹
Variable Interest Rate
Revolving Line of Credit
Fixed Interest rate and payment
One-time fund disbursement
Draw funds as needed
Borrow up to 85% of your home's value
Borrow up to 80% of your home's value
No fees, points, or closing costs²
Debt Protection With Life Plus³
Pay your Loan with Account-to-Account (A2A) External Transfers

¹Please review our list of eligible states for Real Estate Secured Loan products. This loan can only be 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. If the Home Equity 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.

² There are no fees associated with this loan product; however, 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. States with high recording fees include, but are not limited to: CA, NY, MD, KS, FL, VA, and the Parish of Orleans in LA. Recording fees in most states are under $200.

³Debt Protection with Life Plus is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative or refer to the contract for a full explanation of the terms. You will receive the contract before you are required to pay for Debt Protection. You may cancel the protection at any time. If you cancel protection within 30 days, you will receive a full refund of any fee paid.

Rates & Terms

Rates effective August 3, 2026, at 7:30 am ET
Rates are subject to change.

If you are interested in refinancing your existing APCI Federal Credit Union Real Estate Loan without requesting additional funds, please contact us. We have a special program for rate/term refinances.

Home Equity

Account Type	Rate	APR*	Pymt Based on $1,000 Borrowed on Rate
Variable Rate Home Equity Line of Credit
Prime rate minus 1/2%: floor of 4% & cap of 18%	6.25%	6.25%	$12.00 with a minimum of $100 per month
Fixed Rate Home Equity
5 years	5.49%	5.49%	$19.10
7 years	5.64%	5.64%	$14.44
10 years	5.74%	5.74%	$10.98
15 years	5.99%	5.99%	$8.44
20 years	6.24%	6.24%	$7.31
* APR = Annual Percentage Rate. Line of Credit rate is variable and subject to change after loan account is open.