The Dupaco Community Credit Union is a mortgage from Dupaco Community Credit Union. Typical credit limit: The loan must be at least $5,000 (first mortgage 80% of the home's value, second mortgage 15%). Loan terms: Second loan: 20-year term, 5/1 adjustable-rate mortgage (rate fixed for the first five years, then adjusts annually based on the Secured Overnight Financing Rate; can't rise more than 2% in one year or more than 6% over the life of the loan).