The American 1 Credit Union is a home equity loan from American 1 Credit Union. Application typically pulls a hard report from Experian. The ongoing APR is 10 Year Home Equity Loan 7.5%; 15 Year 7.75%; 20 Year 8.00% APR as low as (Effective Date: Sunday, October 18th, 2026). Loan terms: 10, 15 or 20 years.