The Alltru Credit Union is a home equity loan from Alltru Credit Union. The ongoing APR is As low as APR: up to 5 years 6.59%; 8 years 6.79%; 15 years 6.99%; 20 years 7.19% (up to 90% max CLTV). Typical credit limit: $10,000 minimum. Loan terms: Up to 5 years, 8 years, 15 years, 20 years.