The Peninsula Credit Union is a personal line of credit from Peninsula Credit Union. The ongoing APR is As low as prime + 1% (Rate determined by applicant credit. Floor rate 7% APR, maximum rate 18% APR.) Rates Effective as of October 1, 2026. Typical credit limit: $250-$25,000. Loan terms: Open-ended loan, no fixed terms. 2% of the balance owed or $25, whichever is greater..