Zero Down No PMI Home Loan — WEOKIE Federal Credit Union is a mortgage from WEOKIE Federal Credit Union. Typical credit limit: The combined maximum for both loans is $1,000,000 — up to $800,000 on the primary mortgage and up to $200,000 on the second.. Loan terms: The primary mortgage is a fixed-rate loan with a term of up to 30 years; The second loan has a term of up to 10 years, with a rate equal to our 120-month Home Equity Loan rate plus 0.5%..