The Members Credit Union is a home equity loan from Members Credit Union. The ongoing APR is Second Mortgage: 5 years 5.74%; 7 years 6.25%; 10 years 6.25%; 15 years 6.50%; 20 years 6.74% (APR). Typical credit limit: Primary properties: loan amounts up to $500,000; investment properties: loan amounts up to $50,000. Loan terms: Terms up to 20 years.