The California Credit Union is a home equity line of credit from California Credit Union. Application typically pulls a hard report from Experian. The annual fee is No upfront fees and no annual fees. The ongoing APR is As of September 17, 2026, the home equity line of credit rates range from 8.00-9.50% APR. Rates are variable and subject to change. The maximum Annual Percentage Rate that can apply is 12.0% and the minimum Annual Percentage Rate is 4.0%.. Typical credit limit: A minimum credit line of $25,000 is required.. Loan terms: 10-year draw period with interest-only payments; after the draw period, fully amortized payment during the 20-year repayment period.