Refinance Mortgage

Refinance and Save

There’s no place like home and there’s no place like APCI FCU for a Refinance Mortgage Loan.¹

Various terms available to meet your needs²
Competitive fixed interest rates with a low, one-time processing fee³
Borrow up to 90% of your home's value
No title insurance or escrow requirements
Debt Protection with Life Plus⁴ available- Your safeguard against the unexpected

Cash out option available
Payments can be automatically withdrawn from your Savings or Checking
Make loan payments from other financial institutions through Loan ePay
We don’t sell our Refinance Mortgages

¹ Please review our list of eligible states for Real Estate Secured Loan products. This Program is available to refinances and must be a first lien loan 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. All loans are subject to credit review. If the loan does not close within 90 calendar days from the date on your loan estimate, the loan request will be considered closed and you will need to reapply.

²A 30-year Refinance Mortgage Loan must be a first lien loan secured by your primary residence. Other Terms and options are available. Visit apcifcu.org for a complete list. For 30 years at 6.58% APR, the approximate monthly payment for every $1,000 is $6.32. APR=Annual Percentage Rate.

³ Fees: There is a processing fee due at time of disbursal. 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.

⁴Debt 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 December 2, 2024, 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.

Refinance Mortgage

Term	Rate	APR*	Pymt Based on $1,000 Borrowed on Rate
Refinance Mortgage
5 years**	6.00%	6.37%	$19.33
5 years***	5.50%	6.50%	$19.10
10 years**	6.10%	6.30%	$11.15
10 years***	5.60%	6.13%	$10.90
15 years**	6.10%	6.24%	$8.49
15 years***	5.60%	5.97%	$8.22
20 years**	6.25%	6.36%	$7.31
20 years***	5.75%	6.05%	$7.02
30 years**	6.50%	6.58%	$6.32
30 years***	6.00%	6.23%	$6.00
* APR = Annual Percentage Rate. Refinance Mortgage APR based on $100,000 mortgage & includes $875 processing fee. * Refinance Mortgage APR based on $100,000 mortgage & includes $2,375 processing fee.