Po Box 20147
Lehigh Valley, PA 18002
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Notable Rates APY Vs.Others
Savings 0.25% 0.66% →
1-Year CD 0.85% 0.75% →
2-Year CD 0.95% 0.75% →
5-Year CD 1.15% 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Apci is an NCUA insured institution located in Lehigh Valley, PA. It was founded in 1954 and has approximately $670.37 millions in assets.

Who Can Join?

Employees of Air Products and Chemicals, Inc. who work in the United States, including the following subsidiaries - Air Products Energy Enterprises, L.P., Air Products Helium, Inc., Air Products Manufacturing Corporation, Air Products LLC and Air Products Performance Manufacturing, Inc.

Interns and Co-Op employees

Persons retired as Pensioners or Annuitants from Air Products and Chemicals, Inc.

Immediate Family Members of any of the above or current APCI Federal Credit Union members through birth, marriage, or adoptive relationships. Immediate family members are defined as:
Spouse, Children, including step-children, Parents and Grandparents, Brothers, Sisters, Grandchildren

Partners of APCI FCU members maintaining the same household.
Air Products related organizations comprised primarily of persons eligible for membership.

Air Products employees who leave the field of membership, i.e. leave Air Products, may retain membership.

Exclusions: Contract Employees are excluded.

NCUA Insured Yes / Federally Chartered
Charter Number # # 9607
Date Established 1954
Assets $670.37 million
Loans $273.01 million
Deposits $606.07 million
Capital $59.50 million

Field of Membership Restrictions

Membership in APCI Federal Credit Union is open to employees and retirees of Air Products and Chemicals, Inc. and their subsidiaries.

Deposit Rates - April 10, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.25% $2,500 $4,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.60% $10,000 $14,999 Learn More
6 Mo CD
0.60% $100,000 $199,999 Learn More
12 Mo CD
0.85% $10,000 $14,999 Learn More
12 Mo CD
0.85% $100,000 $199,999 Learn More
18 Mo CD
0.90% $10,000 $14,999 Learn More
18 Mo CD
0.90% $100,000 $199,999 Learn More
24 Mo CD
0.95% $10,000 $14,999 Learn More
24 Mo CD
0.95% $100,000 $199,999 Learn More
30 Mo CD
1.00% $10,000 $14,999 Learn More
30 Mo CD
1.00% $100,000 $199,999 Learn More
36 Mo CD
1.00% $10,000 $14,999 Learn More
36 Mo CD
1.00% $100,000 $199,999 Learn More
48 Mo CD
1.10% $10,000 $14,999 Learn More
48 Mo CD
1.10% $100,000 $199,999 Learn More
60 Mo CD
1.15% $10,000 $14,999 Learn More
60 Mo CD
1.15% $100,000 $199,999 Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

Loan Rates - April 10, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for APCI

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
3.494% 3.375% 1.00 $3,750 $1,106 Learn More
NMLS ID: 2890
License#: 13256
2.775% 2.750% 0.38 $808 $1,021 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
People's United Bank, N.A.
People's United Bank, N.A.
See Table
4.000 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to APCI
To upload and update your bank's rates please register. It is free to register and add rates.



Below are Apci branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Financial Details

Apci Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Apci. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Apci U.S. Average
0.90% 5.40

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2020, Apci had $539,919 in non-current loans and $0 in owned assets. To cover these potential losses it had $59,499,622 in net worth and $419,659 in loans loss reserves. That gives it a Texas Ratio of 0.90%.

Net Worth
Apci U.S. Average
8.87% 12.67%

Apci FCU has a net worth of 8.87% versus the BestCashCow average of 12.67. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Apci

Branches and Savings

What is Apci?

A federal credit union, registered with the NCUA under certificate #9607.
Learn more about credit unions here.

Is Apci FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Apci is insured by the NCUA.

Who can join Apci?

Please see Field of Membership information above for information on who is eligible to join.

What are Apci's share account and share certificate rates?

Apci's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Apci?

Apci has total capital of $59.50 million. Full information on Apci's financial position is located above.

Who owns Apci?

Credit Unions are owned by their members.

Where are Apci branches located?

See branch locations nearby.

Are Apci ATMs Open 24/7?

Do Apci ATMs accept cash deposits?

Can Apci customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Apci have a mobile app?

Does Apci have mobile deposit?

Does Apci have quick pay?

How can Apci transfer money to other banks or credit unions?

Does Apci report to credit bureaus?

Does Apci use Chexsystems?

Does Apci use Equifax?

What is Apci's toll free phone number?

What is Apci's ACH Routing Number?

What is Apci's SWIFT code?

Where can I find Apci's wire transfer form?

What is the Apci address for deposits?

What Products Does Apci Offer

Does Apci offer mortgages?

Compare mortgage rates here.

Does Apci offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Apci offer auto and RV loans?

Compare auto loan rates here.

Does Apci offer student loans or personal loans?

Compare personal loan rates here.

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