The Total Choice FCU is a home equity loan from Total Choice FCU. The ongoing APR is Competitive fixed rates; payment example: $75,000.00 financed @ 6.75% APR for 120 months equals $861.48 per month. Typical credit limit: Borrow up to 80% of the appraised value of your home (less the amount owed) or up to $75,000.00. Loan terms: Max repayment term - 10 years.