The St. Joseph’s Federal Credit Union is a home equity loan from St. Joseph’s Federal Credit Union. The ongoing APR is 6.00% APR (84 months), 6.25% APR (120 months), 6.50% APR (180 months); loans over $100,000.00 add additional .25% to rate; Last Rate Change Effective: 12/19/2024. Typical credit limit: Minimum $8,000 - Maximum $60,000. Loan terms: 84, 120 or 180 months; fixed payment and terms.