HELOC — orsa credit union is a home equity line of credit from orsa credit union. The ongoing APR is Variable Rate HELOC APR* as low as 6.50%; 5.25% Promo rate—new HELOCs; 4.75% Promo rate—existing HELOCs. Loan terms: Our HELOCs feature a variable rate and a 10-year draw period and a 20-year repayment term..