The CPM Federal Credit Union is a home equity line of credit from CPM Federal Credit Union. The ongoing APR is Variable rate: as low as Prime - .25% (Prime = 7.00%, example 6.75%), based on WSJ Prime; Fixed rate: as low as 6.99% APR; rates accurate as of 10/1/2026 after a 3.99% introductory rate (variable rate option); not available if you borrow more than 90% of your home's value introductory rate for 6 months. Approval typically requires a credit score of Minimum 660 credit score (Equifax FICO 10T model) for the 100% HELOC option or higher. Typical credit limit: $10,000.00 - $250,000.00; borrow up to 100% of your home's value (100% HELOC subject to additional guidelines). Loan terms: Variable: 10-year draw with 15-year repayment; Fixed: 5-year draw with 10-year repayment.