Savings

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Watch Your Savings Grow

Minimum deposit of $5 per member to establish and maintain membership
Individual, Joint, PAUTMA (Pennsylvania Uniform Transfer to Minor Act) Custodial, Estate Accounts, Informal Trust, Representative Payee, and Fiduciary accounts offered
Alternate Accounts* – keep money separate from your Primary Savings
IRA Accounts - Traditional and Roth
Build savings through transfer distributions including IRA contributions
Direct deposit and FedNow^® Receive Instant Payments
Make cash withdrawals, deposits and transfers at ATMs worldwide using our ATM Card
Dividends paid monthly

* Limit of two Alternate Accounts per member account

Rates & Terms

Rates effective April 1, 2025, at 7:30 am ET
Rates are subject to change.

Savings & Alternate Accounts

Account Type	Dividend Rate	APY**
Savings & Alternate Accounts*	0.150%	0.150%
* $5.00 minimum balance required to earn dividends. Rate is variable and subject to change after account is open. Fees may reduce earnings. ** APY = Annual Percentage Yield. APY assumes dividends remain in account.

Savings & Checking

Can I add a beneficiary to my Savings or Checking Account?

What is the best and most convenient way to make a deposit to my APCI FCU account?

How do I reorder checks?

Do you offer overdraft protection on my Checking Account?

What is a PAUTMA Account?

Related Forms

Please complete, sign and submit the forms below securely through DocuSign eSignature.

Printable PDF form:

Account Number Format - information needed to initiate electronic credits/debits to your Credit Union account

For Savings Account application information visit our Next Steps tab.

Next Steps

A minimum deposit of $5 is required to establish and maintain membership
Please have the social security number and valid identification for all applicants when opening an account

Apply Online

To open a Savings Account online:
Visit our APCI eJoin Online Applications Center
Open a PAUTMA (Pennsylvania Uniform Transfer to Minor Act) Custodial Savings Account for a minor (under the age of 18) online
Current members, to open an Alternate Savings Account online:
Log in to APCI eBanking > Open Subshare > Alternate Share

Apply Using Printable PDF Applications

Completed forms, a clear copy of an unexpired driver's license or passport for all applicants, and a $5 check should be returned to APCI Federal Credit Union.
PO Box 20147 · Lehigh Valley, PA 18002-0147

Primary Savings: Applicant must fall in the field of membership.
- Membership Application
PAUTMA (Pennsylvania Uniform Transfer to Minor Act) Custodial Savings: Minor must be under the age of 21 and fall in the field of membership.
- Membership Application for Custodial Account Under Pennsylvania Uniform Transfers to Minors Act
In Trust For: Member/Account Owner must fall in the field of membership. May designate multiple beneficiaries including non-profit organizations and formal trusts.
- In Trust For Account Application
Fiduciary Guardianship: Beneficiary must be in the field of membership. A copy of the Certificate of Appointment must be provided.
- Fiduciary/Guardian/Custodian Application
Representative Payee: Beneficiary must be in the field of membership. A copy of the Social Security Administration Notice of Award designating the Representative Payee must be provided.
- Representative Payee Application