The Partners Federal Credit Union is a home equity line of credit from Partners Federal Credit Union. Application typically pulls a hard report from Experian. The ongoing APR is Up to 80% LTV: 6.50% APR Variable; 80.01% - 90% LTV: 6.75% APR Variable. Your APR will not exceed 18.00% or go below 4.00% at any time during the term of your account.. Loan terms: Traditional & Interest Only Options. Making only the minimum payment on your HELOC may result in a balloon payment due at the end of the term..