The Pinal County Federal Credit Union is a home equity loan from Pinal County Federal Credit Union. The ongoing APR is As Low as 6.50%* APR (Home Equity, effective date 04/15/2026); * Maximum APR 18%. Typical credit limit: Minimum amount $10,000; borrow up to 90% LTV up to $200,000. Loan terms: 10 to 20 years for repayment; fixed rate.