The Alltru Credit Union is a home equity line of credit from Alltru Credit Union. The ongoing APR is Variable / as low as 7.50% APR; special 5.69% APR introductory offer; HELOCs have a variable rate that can adjust monthly based on changes in the Prime Rate after a SPECIAL 5.69% APR introductory offer introductory rate. Loan terms: Up to 25 years.