The Dade County Federal Credit Union is a home equity line of credit from Dade County Federal Credit Union. The ongoing APR is Introductory as low as 4.49% APR for 12 months or 7.25% APR for 24 months (minimum $30,000 draw at closing); then variable Prime plus or minus contracted margin, floor 4.00% (rates effective September 28, 2026). Loan terms: 20-year term with 10-year draw period.