The Cardinal Credit Union is a home equity line of credit from Cardinal Credit Union. The annual fee is No annual fee. The ongoing APR is Home Equity Line of Credit/Variable Rate (1st Lien) Up to 85% Max LTV 6.90% APR 6.90%; (2nd Lien) Up to 85% Max LTV 7.40% APR 7.40%. Variable APR is based on The Wall Street Journal (WSJ) prime rate..