The Focus Federal Credit Union is a home equity loan from Focus Federal Credit Union. The ongoing APR is LTV 0-80: 60 to 71 mo 5.490% rate / 6.011% APR; 72 to 84 mo 5.740% / 6.194%; 85 to 120 mo 5.990% / 6.320%; 121 to 180 mo 6.490% / 6.727%. LTV 81-90: 5.990% / 6.514%; 6.240% / 6.696%; 6.490% / 6.823%; 6.990% / 7.230%. LTV 91-95: 6.490% / 7.017%; 6.740% / 7.199%; 6.990% / 7.326%; 7.490% / 7.734% (rate effective as of October 1, 2026). Loan terms: 60 to 71 mo; 72 to 84 mo; 85 to 120 mo; 121 to 180 mo.