The BOND Community FCU is a home equity line of credit from BOND Community FCU. The annual fee is No Annual Fees. The ongoing APR is HELOC 1st Position 6.49% Adj.; HELOC 2nd Position 6.99% Adj. (Effective 10/01/2026). Typical credit limit: Borrow up to 80% of your home’s equity. Loan terms: 6-year draw period followed by an 8-year repayment period.