The Peninsula Credit Union is a home equity loan from Peninsula Credit Union. The ongoing APR is Up to 84 months 8.05% (LTV 85%); Up to 120 months 8.35% (LTV 85%); Up to 240 months 8.90% (LTV 100%, Manufactured homes not eligible); Up to 360 months 9.65% (LTV 100%, Manufactured homes not eligible) APR as low as. Rates effective as of October 1, 2026. Loan terms: With competitive fixed rates and terms up to 30 years.