The Community First Credit Union is a home equity line of credit from Community First Credit Union. The ongoing APR is 7.25% (*7.64% APR) Owner Occupied; 8.25% (*8.65% APR) Investment Property (rates effective September 17, 2026; WSJ Prime 7.00% as of September 17, 2026; maximum APR 18%). Typical credit limit: LOAN AMOUNTS $15,000-$500,000. Loan terms: Take advantage of a customized 10-year draw period and a flexible 15-year repayment period, tailored to your needs..