The Consolidated Community Credit Union is a home equity line of credit from Consolidated Community Credit Union. The annual fee is No annual fee. The ongoing APR is Owner Occupied: Quarterly 6.50%; 5 Year 7.00%; 15 Year 8.25% APR (as low as). Non-Owner Occupied: Quarterly 7.50%; 5 Year 8.00%; 15 Year 9.25% APR (as low as). Rates as of: October 1, 2026 after a 4.49% APR introductory rate. Loan terms: Payments calculated on a 15-year or interest only repayment schedule during draw period. After draw period expires, then the loan is repaid based on a 15-year term..