The Community 1st Credit Union is a home equity line of credit from Community 1st Credit Union. The ongoing APR is 6-Month Intro Rate is 1.00% APR*; HELOC (Variable-Rate) As Low As 7.00% APR* (rates accurate as of September 22, 2026). Loan terms: Monthly payment amount based on unpaid balance of the last advance and annual percentage rate. Minimum of $100..