The UP Arkansas Federal Credit Union is a home equity loan from UP Arkansas Federal Credit Union. The ongoing APR is 7.02% - 11.72% APR; 5-15 years. Typical credit limit: Up to 100% LTV. Put the equity in your home to work for you! A Home Equity Loan is a great option for borrowing money at a lower rate to fund other needs. Talk to us today to see if a Home Equity Loan is the right choice for you.