What are the current interest rates at APCI Federal Credit Union?

Current rates for APCI Federal Credit Union include: 12-Month CD: 4.15%, 18-Month CD: 4.25%, 24-Month CD: 4.25%, 60-Month CD: 4.00%

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APCI Federal Credit Union

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APCI Federal Credit Union Rates & Review October 2026

Q: Is a member application needed to join APCI Federal Credit Union?

Yes, to access services at APCI Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, APCI Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

APCI Federal Credit Union's top rates as of October 12, 2026 are 4.25% APY on its 18 Month Regular & IRA CD, auto loans from 4.24% APR, and credit cards from 11.90% APR, according to rates verified by MonitorBankRates. Other APCI Federal Credit Union CD rates include 24 Month Regular & IRA CD at 4.25%, 12 Month Regular & IRA CD at 4.15%, and 6 Month Regular & IRA CD at 4.05%. MonitorBankRates evaluates the financial stability of APCI Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.44%. Rates last updated and verified on 10/12/2026.

APCI Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at APCI Federal Credit Union? Share your experience about APCI Federal Credit Union by leaving a review below, or read customer reviews before you decide to use APCI Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.44%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

APCI Federal Credit Union
APCI Federal Credit Union

6126 Hamilton Blvd Ste 102
Allentown, PA 18106

https://www.apcifcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

APCI Federal Credit Union CD Rates

Product	Rate	APY	Term
18 Month Regular & IRA Certificate	4.17%	4.25%	18 months
Min Deposit $500 Details Regular & IRA (Traditional & Roth); $500 minimum deposit required; penalty may be imposed for withdrawals before maturity Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
24 Month Regular & IRA Certificate	4.17%	4.25%	24 months
Min Deposit $500 Details Regular & IRA (Traditional & Roth); $500 minimum deposit required; penalty may be imposed for withdrawals before maturity Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
12 Month Regular & IRA Certificate	4.08%	4.15%	12 months
Min Deposit $500 Details Regular & IRA (Traditional & Roth); $500 minimum deposit required; penalty may be imposed for withdrawals before maturity Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
6 Month Regular & IRA Certificate	3.98%	4.05%	6 months
Min Deposit $500 Details Regular & IRA (Traditional & Roth); $500 minimum deposit required; penalty may be imposed for withdrawals before maturity Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
30 Month Regular & IRA Certificate	3.93%	4.00%	30 months
Min Deposit $500 Details Regular & IRA (Traditional & Roth); $500 minimum deposit required; penalty may be imposed for withdrawals before maturity Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
36 Month Regular & IRA Certificate	3.93%	4.00%	36 months
Min Deposit $500 Details Regular & IRA (Traditional & Roth); $500 minimum deposit required; penalty may be imposed for withdrawals before maturity Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
48 Month Regular & IRA Certificate	3.93%	4.00%	48 months
Min Deposit $500 Details Regular & IRA (Traditional & Roth); $500 minimum deposit required; penalty may be imposed for withdrawals before maturity Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
60 Month Regular & IRA Certificate	3.93%	4.00%	60 months
Min Deposit $500 Details Regular & IRA (Traditional & Roth); $500 minimum deposit required; penalty may be imposed for withdrawals before maturity Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
3 Month Regular & IRA Certificate	3.84%	3.90%	3 months
Min Deposit $500 Details Regular & IRA (Traditional & Roth); $500 minimum deposit required; penalty may be imposed for withdrawals before maturity Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.90% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%

APCI Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity	-	-	5.97%
Details As Low As; Featured Rate Last Updated 10/12/2026 Rate History 1 change since Sep 20, 2026 · 5.49% → 5.97% ▲ 0.48 pts · high 5.97% / low 5.49% Oct 2, 20265.97%▲ from 5.49% Sep 20, 20265.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%

APCI Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
New Auto Loan	-	-	4.24%
Details As Low As; Featured Rate Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 4.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%

APCI Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Mastercard Plus	-	11.90%
Details As Low As; Featured Rate Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 11.90% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%

APCI Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Regular & IRA Certificate - 12 months	4.08%	-	4.15%	12 months
Min Deposit $500 Details Regular & IRA (Traditional & Roth); $500 minimum deposit required; penalty may be imposed for withdrawals before maturity; fees could reduce earnings; APY assumes dividends remain in account Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
Regular & IRA Certificate - 18 months	4.17%	-	4.25%	18 months
Min Deposit $500 Details Regular & IRA (Traditional & Roth); $500 minimum deposit required; penalty may be imposed for withdrawals before maturity; fees could reduce earnings; APY assumes dividends remain in account Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
Regular & IRA Certificate - 24 months	4.17%	-	4.25%	24 months
Min Deposit $500 Details Regular & IRA (Traditional & Roth); $500 minimum deposit required; penalty may be imposed for withdrawals before maturity; fees could reduce earnings; APY assumes dividends remain in account Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
Regular & IRA Certificate - 3 months	3.84%	-	3.90%	3 months
Min Deposit $500 Details Regular & IRA (Traditional & Roth); $500 minimum deposit required; penalty may be imposed for withdrawals before maturity; fees could reduce earnings; APY assumes dividends remain in account Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.90% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
Regular & IRA Certificate - 30 months	3.93%	-	4.00%	30 months
Min Deposit $500 Details Regular & IRA (Traditional & Roth); $500 minimum deposit required; penalty may be imposed for withdrawals before maturity; fees could reduce earnings; APY assumes dividends remain in account Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
Regular & IRA Certificate - 36 months	3.93%	-	4.00%	36 months
Min Deposit $500 Details Regular & IRA (Traditional & Roth); $500 minimum deposit required; penalty may be imposed for withdrawals before maturity; fees could reduce earnings; APY assumes dividends remain in account Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
Regular & IRA Certificate - 48 months	3.93%	-	4.00%	48 months
Min Deposit $500 Details Regular & IRA (Traditional & Roth); $500 minimum deposit required; penalty may be imposed for withdrawals before maturity; fees could reduce earnings; APY assumes dividends remain in account Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
Regular & IRA Certificate - 6 months	3.98%	-	4.05%	6 months
Min Deposit $500 Details Regular & IRA (Traditional & Roth); $500 minimum deposit required; penalty may be imposed for withdrawals before maturity; fees could reduce earnings; APY assumes dividends remain in account Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%
Regular & IRA Certificate - 60 months	3.93%	-	4.00%	60 months
Min Deposit $500 Details Regular & IRA (Traditional & Roth); $500 minimum deposit required; penalty may be imposed for withdrawals before maturity; fees could reduce earnings; APY assumes dividends remain in account Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.44%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

APCI Federal Credit Union’s Texas Ratio stayed near 0.57% in Q3 2023 to 0.44% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$678M	0.44%	5.0	A+
March 31, 2026	$689M	0.27%	5.0	A+
December 31, 2025	$687M	0.57%	5.0	A+
September 30, 2025	$666M	1.08%	5.0	A+
June 30, 2025	$670M	0.54%	5.0	A+
March 31, 2025	$676M	0.24%	5.0	A+
December 31, 2024	$670M	0.57%	5.0	A+
September 30, 2024	$659M	0.55%	5.0	A+
June 30, 2024	$662M	0.54%	5.0	A+
March 31, 2024	$673M	0.32%	5.0	A+
December 31, 2023	$668M	0.39%	5.0	A+
September 30, 2023	$656M	0.57%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for APCI Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather APCI Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with APCI Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name APCI Federal Credit Union

Website https://www.apcifcu.org

Address 6126 Hamilton Blvd Ste 102, Allentown, PA 18106

Phone 800-821-5104

Fax 610-841-2586

President Gregory Weigard

CEO Gina Fili

Full-Time Employees 55

Part-Time Employees 2

Branch Locations 1

ATM Locations 1

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.44%

Return on Assets (ROA)

0.2606%

Return on Equity (ROE)

2.8612%

Non-Performing Loans Ratio (NPL)

0.09%

Total Assets

678,191,779

Total Amount of Shares and Deposits

615,675,890

Total Shares and Deposits < 1 Year

565,919,808

Total Shares and Deposits 1 3 Years

42,970,682

Total Shares and Deposits > 3 Years

6,785,400

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

64,879,833

Total Uninsured Shares and Deposits > $250K (F+J)

64,879,833

Total Insured Shares and Deposits > $250K (item 17 less item K)

550,796,057

Total Interest Expense (Sum of items 6 8)

5,754,925

Share Certificates

7,121

Number of Accounts for Share Drafts

11,222

IRA KEOGH Accounts

2,473

Number of Accounts for Regular Shares

23,772

Money Market Shares

2,355

Net Income (unless the amount is already included in Undivided Earnings)

1,767,243

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

71,385,232

Total Liabilities

619,957,560

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

APCI Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
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       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About APCI Federal Credit Union

How many branches does APCI Federal Credit Union operate?

APCI Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join APCI Federal Credit Union?

Yes, to access services at APCI Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, APCI Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, APCI Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does APCI Federal Credit Union offer online and mobile banking?

Most modern institutions like APCI Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.apcifcu.org.