The OceanAir Federal Credit Union is a home equity line of credit from OceanAir Federal Credit Union. The ongoing APR is Prime + points: 7.50% APR (CLTV under 70%), 7.75% (70.01%-80%), 8.50% (80.01%-90%); variable, floor of 4% and cap of 14%; Prime Rate Index 6.75% as of June 17, 2026.