The Credit Union ONE is a home equity loan from Credit Union ONE. Application typically pulls a hard report from Experian. The ongoing APR is Fixed; as low as 7.878% APR (5 years), 8.138% (7 years), 8.388% (10 years), 8.638% (15 years) (effective September 22, 2026). Typical credit limit: $5,000 to $250,000 (minimum $10,000 for 7- and 10-year terms, $20,000 for 15-year term). Loan terms: Fixed rate and payment; terms of 5, 7, 10 or 15 years.