The Orange County's Federal Credit Union is a home equity line of credit from Orange County's Federal Credit Union. The annual fee is $50.00 Annual Fee after first year. Annual fee is waived for Platinum Members and is $25.00 for Premier Members.. The ongoing APR is HELOC Rate 7.000%, APR As Low As 7.000%, 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. Rate cap of 12%. Quarterly rate change.. Loan terms: 10 years draw period followed by a 15 year amortized repayment period. The minimum monthly HELOC payment is equal to 1 percent of the outstanding principal balance at the end of each statement cycle, with a minimum of $100..