The Siskiyou Credit Union is a home equity line of credit from Siskiyou Credit Union. The ongoing APR is Variable: 7.75% APR (margin 3.5%, FICO 680 or higher) or 8.75% APR (margin 4.5%, FICO 600 to 679); fixed option 8.75% (FICO 600 or higher); maximum APR 11.75%; floor 4.25%/5.25% (Rates Effective October 1st, 2026). Loan terms: 5-year draw period with 120-month (fixed) or 180-month repayment, or 10-year draw period with 240-month repayment; during the draw period payment is 1.00% of the outstanding balance or $100, whichever is greater.