The Afena Federal Credit Union is a home equity loan from Afena Federal Credit Union. The annual fee is No annual fee. The ongoing APR is Home Equity Loan (up to 80% LTV): 6.25% for 5 years, 6.75% for 10 years, 7.25% for 15 years (rates effective as of 8/3/2026; rate shown as low as). Typical credit limit: Access up to 100% of your home's appraised value, less any mortgage owed.