The Orlando Credit Union is a home equity line of credit from Orlando Credit Union. The ongoing APR is 25 Year Term APR as low as 7.00% (Rates are effective as of 9/17/2026). Home Equity Lines of Credit (HELOC) are variable and based on the Wall Street Journal Prime Rate.. Loan terms: 10-year draw period (interest only); 15-year repayment period (principal and interest).