The Afena Federal Credit Union is a home equity line of credit from Afena Federal Credit Union. The annual fee is No annual fee or closing costs. The ongoing APR is HELOC: up to 80% LTV 7.25% (Prime + 0.00%); up to 90% LTV 8.00% (Prime + 0.75%); up to 100% LTV 8.75% (Prime + 1.50%) (rates effective as of 8/3/2026; rate shown as low as). Typical credit limit: Credit limit is up to 100% of your home's appraised value, less any mortgage owed. Loan terms: Borrow money whenever you wish over a period of 10 years; pay interest only on the portion of the credit line in use.