The Orange County's Federal Credit Union is a home equity loan from Orange County's Federal Credit Union. The ongoing APR is 20 Yr Fixed: Rate 7.500%, APR As Low As 7.500%, Points 0.000; 15 Yr Fixed: Rate 7.125%, APR As Low As 7.125%, Points 0.000 (Effective October 16, 2026 09:22 AM Pacific Time (PT)). APR displayed includes a 0.25% interest rate discount for automatic payment from Orange County’s Credit Union checking account.. Loan terms: Terms up to 20 years. Stable fixed rate and fixed monthly payments.