The AOD Federal Credit Union is a home equity line of credit from AOD Federal Credit Union. The annual fee is Home Equity Lines of Credit (HELOC) incur an annual fee of $45 and a transaction fee of $5 for each draw of less than $500; these fees will be added to the loan balance.. The ongoing APR is Annual percentage rate as low as prime. Loan terms: terms of up to 25 years (15-year draw period / 10-year repayment).