The Upstate Federal Credit Union is a home equity line of credit from Upstate Federal Credit Union. The ongoing APR is Variable rate tied to Prime Rate as of December 15th of prior year (floor of 4.00%): 6.75% as of December 2025; APR range 4.00% - 18.00%; discount of 0.50% if credit score is over 700 at approval (floor of 4.00%). Loan terms: Terms up to 180 months.