The Credit Union ONE is a home equity line of credit from Credit Union ONE. Application typically pulls a hard report from Experian. The ongoing APR is Variable: highest prime rate published in The Wall Street Journal plus or minus a margin of 0% to 3.99%; as low as 7.99% APR; never above 18% or below 3.25% (rates effective September 22, 2026). Typical credit limit: $10,000 to $250,000. Loan terms: 10-year draw period, 15-year payback period.