Questions? We Have Answers
Do you want to know more about membership, or a product or service? Please select from the categories below to find answers to many commonly asked questions.
APCI FCU is part of multiple ATM Networks that provide surcharge-free access to your money. Use our ATM Locator to find the most conveniently located ATM. APCI FCU does not maintain the list of surcharge-free ATMs. The list may identify ATMs that are not surcharge-free.
There are several ways you can make a deposit to your Credit Union account.
- APCI eDeposit allows you to take a picture of a check and deposit it using your mobile device. You can access APCI eDeposit through the APCI eBanking Mobile App.
- If you live near the Credit Union, you can deposit cash or checks over the counter.
- If you have an ATM or Visa® Debit Card, you can locate a deposit taking ATM using our ATM Locator and deposit cash or checks to your Credit Union account using your card.
- You can also mail checks to APCI Federal Credit Union at: PO Box 20147 Lehigh Valley, PA 18002-0147 (checks only – do not send cash).
Yes, you can have both a Traditional and Roth IRA. The maximum contribution for the year is cumulative. For 2025, the contribution limit is $7,000 per year or a cumulative total of $7,000 between a Traditional IRA and Roth IRA per year. If you are 50 years old or older, you are able to contribute an additional $1,000 as a ‘catch up’ contribution.
For 2025, the contribution limit for both is $7,000 per year or a cumulative total of $7,000 between both a Traditional IRA and Roth IRA per year. If you are 50 years old or older, you are able to contribute an additional $1,000 as a ‘catch up’ contribution.
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 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.
The Credit Union offers several ways to transfer funds. One option is to sign up for APCI ePay, our online bill paying service, to initiate payments to other financial institutions. You can also log in to APCI eBanking and initiate a Domestic Wire Transfer.
ATM Card cash withdrawal limit is $600 per day. Point of sale limit is $300 per day. Visa Debit Card cash withdrawal limit is $1,000 per day. Point of sale limit is $2,000 per day.
To activate your card and set up a PIN, please call 800-631-3197 or 1-727-540-9434 when outside the US. Be prepared with the primary cardholder's date of birth (mm/yy), zip code, and 3-digit security code (same for each cardholder) from the back signature panel of the card. We encourage you to change the PIN to something easy to remember but difficult for others to identify.
If your deposit item is declined, you should call our Member Services Representatives during normal business hours at 800-821-5104. Reasons that deposit items may be declined include ineligible or non-negotiable checks, missing signature or missing endorsement, a stale or post-dated check, poor image quality, daily or monthly deposit dollar amount exceeded, or an unacceptable item.
Our ABA Routing Number is 231379034.
- APCI eLearning
- ATM/Visa® Debit Card
- Certificates
- Digital Banking - APCI eBanking
- Electronic Notifications - APCI eAlerts
- Electronic Statements - APCI eStatements
- FedNow® FAQs
- IRA
- Loan - General
- Loan - Purchase/First Mortgage
- Loan - Real Estate
- Loan - Vehicle FAQs
- Loans - Student Loans
- Mastercard®
- Member Service
- Membership
- Mobile Banking - APCI eBanking App
- Mobile Check Deposit - APCI eDeposit
- Money Market
- Online Applications Center
- Online Bill Pay Service - APCI ePay
- Referral Program - APCI eReferral
- Savings & Checking
- Telephone Banking Service - APCI eTalk
