The OMNI Community Credit Union is a home equity line of credit from OMNI Community Credit Union. The ongoing APR is Introductory rate will be available for 12 months, then will convert to variable APR based on credit history, term and security offered APR will be based on WSJ Prime Rate (currently 7.00%) plus margin, subject to adjustment quarterly, and after the introductory period may range from 4.00% to 18,00%. after a Introductory 4.99% APR ** for 12 months introductory rate. Loan terms: 10 year draw period, variable rate and payment.