The First Financial Credit Union is a home equity line of credit from First Financial Credit Union. The annual fee is $35.00 annual fee. The ongoing APR is Variable: WSJ Prime Rate (6.75% as of 12/12/2025) plus a margin of 1.00% - 5.00% based on credit score; floor 4.00%, ceiling 18.00%; can change semi-annually on January 1 and July 1. Approval typically requires a credit score of Minimum credit score of 640 or higher. Typical credit limit: Maximum loan amount is 90% LTV up to $250,000 (exceptions case-by-case).