Home Equity Line of Credit (HELOC) 1st or 2nd Lien — TAPCO Credit Union is a home equity line of credit from TAPCO Credit Union. The ongoing APR is Lowest APR 7.25%, Highest APR 8.50% (illustration only; payment example 60 monthly payments of $20.15 per $1,000.00 borrowed with 7.74% APR). Loan terms: 10-year draw period; minimum payment is based on 1% of outstanding balance during the 10-year draw period.