The Peoples Advantage Federal Credit Union is a home equity loan from Peoples Advantage Federal Credit Union. Typical credit limit: $10,000 minimum. Loan terms: 5, 10 or 15 years, fixed rate. Already own a home, but want to consolidate debt, pay for college or remodel? Your home can be the key to a low interest loan! If you're a homeowner looking for financial flexibility or an affordable way to borrow money, Peoples Advantage can help.