Business Details
50+ Years
experience
Your Trusted Partner for Comprehensive Banking Solutions
APCI Federal Credit Union Federal Credit Union has been serving members for over 70 years with a commitment to providing accessible, low-cost financial solutions. Established in 1954, we operate as a not-for-profit cooperative with over 50 employees and 500+ years of combined credit union experience. Our members benefit from flexible products including dividend-bearing accounts, competitive loan rates, and innovative digital banking tools.We prioritize low-to-no fees, surcharge-free nationwide ATM access, and federally insured deposits through NCUA. With $600 million in assets and 19,000 members across all 50 states, our conservative financial model ensures stability while delivering personalized service through both physical branches and 24/7 electronic banking platforms.
Services
Savings Accounts
Checking Accounts
Vehicle Loans
Mortgage Loans
Visa Debit Card
Electronic Banking
IRA Services
Student Loans
Credit Cards
ATM Access
Details
- Year established: 1954
Highlights and features
- We offer over 70 years of financial institution experience
- Our low/no fee structure benefits everyday banking needs
- Access 30,000+ surcharge-free ATMs nationwide
- We provide competitive rates on savings and loan products
- Deposits are federally insured through NCUA
Associations and certifications
- NCUA
Services
Savings Accounts
Our savings accounts provide secure money management with competitive dividend rates. Members enjoy flexibility through various account types including traditional savings, money market, and certificates. Minimum deposit requirements start at just $5, with options for custodial accounts and IRAs. Dividends compound monthly to help grow your savings.
Checking Accounts
Our no-monthly-fee checking accounts offer convenient financial management. Features include free bill pay, mobile check deposit, and a contactless Visa debit card. No minimum balance requirements with overdraft protection options available through linked savings or Fast Cash line of credit.
Vehicle Loans
We provide competitive financing for new and used vehicles including cars, trucks, and motorcycles. Loan terms up to 7 years with APRs starting at 4.24%. Optional GAP insurance protects against depreciation while flexible payment options include automatic transfers and online payments through APCI Federal Credit Union eBanking.
Mortgage Loans
Our mortgage solutions include purchase and refinance options for primary residences. Available loan terms up to 30 years with competitive rates starting at 6.99% APR. We offer conventional, FHA, VA, and USDA loan programs through our partnership with Credit Union Mortgage Association.
Electronic Banking
24/7 account access through our comprehensive digital platform. Features include mobile check deposit, bill payment, account alerts, and card management tools. Secure online portal and mobile app enable real-time transaction monitoring and instant fund transfers between accounts.
People
Gina Fili
President & Chief Executive Officer
Gina Fili leads APCI Federal Credit Union Federal Credit Union with over 25 years of credit union experience. She focuses on strategic growth while maintaining the institution's not-for-profit cooperative principles. Her leadership emphasizes member-centric service and financial education.
Jennifer Thomas
Chief Financial Officer
Jennifer Thomas oversees financial operations with expertise in credit union accounting and regulatory compliance. She manages asset-liability strategies and ensures fiscal stability for the 70-year-old institution serving 19,000 members nationwide.
Victoria Fernandes
Certified IRA Specialist
Victoria Fernandes provides retirement planning expertise as a Certified IRA Specialist. With deep knowledge of traditional and Roth IRA options, she helps members optimize their retirement savings through personalized consultation and educational resources.
Questions
What types of accounts does APCI FCU offer?
We offer savings, checking, money market, certificates, and IRA accounts with competitive rates and low/no monthly fees.
Can I access my account online?
Yes, our APCI eBanking platform provides 24/7 access for account management, bill payments, and mobile check deposits.
Are my deposits insured?
All deposits are federally insured up to $250,000 through the National Credit Union Administration (NCUA).
Do you offer loan refinancing options?
We provide auto loan refinancing with competitive rates and mortgage refinancing options through our partner network.
How can I report a lost debit card?
Report lost cards through APCI eBanking anytime or call our dedicated hotline at 888-918-7782 during business hours.
What loan terms are available for vehicle financing?
Vehicle loans available with terms from 3 to 7 years at competitive APRs starting at 4.24% for qualified borrowers.
