The Seattle Credit Union is a home equity loan from Seattle Credit Union. Application typically pulls a hard report from Experian. The ongoing APR is APR as low as (effective October 17th, 2026; Fixed Rate Owner Occupied/Second Home): 5 years 7.24% (up to 70% LTV), 7.74% (80%), 7.99% (90%), 9.49% (100%); 10 years 7.74%, 8.24%, 8.49%, 9.99%; 15 years 8.24%, 8.74%, 8.99%, 10.49%; 20 years 8.74%, 9.24%, 9.49%, 10.99%. Approval typically requires a credit score of We don't require a minimum credit score unless over 85% LTV for Fixed Home Equity Loans. or higher. Loan terms: You pay the money back over the established term of the loan, up to 20 years..