Home Improvement Loan — Telhio Credit Union, Inc. is a home equity loan from Telhio Credit Union, Inc.. Application typically pulls a credit report from Equifax. The ongoing APR is Rate as low as 9.65%; APR as low as 9.910% (rates effective September 18th, 2026). No equity? No problem! We offer home improvement loans with no equity required to ensure that you can get the financing you need for property improvements.