The Peninsula Credit Union is a home equity line of credit from Peninsula Credit Union. The annual fee is No annual fee. The ongoing APR is 8.50% APR; No introductory rate period for Lo-Cap Plus. APR is variable and will adjust according to Prime Rate, as published in the Wall Street Journal. Prime Rate, Loan to Value and credit score determine actual APR and may vary between 7.25% APR and 11.99% APR. Rates effective as of October 1, 2026. Typical credit limit: Maximum loan amount $250,000. Loan terms: 15-year draw, 20-year repayment.