The Rize Credit Union is a home equity line of credit from Rize Credit Union. The ongoing APR is Owner occupied 7.25% - 9.50% (Prime Rate plus a 0% - 5% margin; floor rates 4% to 8%; no annual cap; rates effective October 1, 2026). Typical credit limit: Variable rate loans, from $25,000 to $500,000. Loan terms: 10-year draw period (interest-only payments option); 20-year repayment period.