Home Equity Loan — Austin Telco Federal Credit Union is a home equity loan from Austin Telco Federal Credit Union. The ongoing APR is 5.39%; 5.79%; 6.09%; 6.49%; 6.99%. Loan terms: 5 Year Fixed; 10 Years Fixed; 15 Years Fixed; 20 Years Fixed; 30 Years Fixed; A 30-year term is only available for first-lien home equity loans and requires a loan minimum of $50,000.