The Public Service Credit Union is a home equity line of credit from Public Service Credit Union. Application typically pulls a hard report from Experian. The ongoing APR is Variable rate HE / HELOC: 7.00% (up to 80% LTV), 7.25% (up to 90% LTV); rates effective September 17, 2026. Typical credit limit: Borrow from $10,000 up to $250,000. Loan terms: 15-year term: 5-year draw period, 10-year repayment.