The Democracy Federal Credit Union is a home equity loan from Democracy Federal Credit Union. The ongoing APR is Fixed APR as low as 5.00% (7 years, 85% LTV), 7.50% (10 years, 85% LTV), 7.75% (15 years, 85% LTV), 7.00% (10 years, 80% LTV), 7.25% (15 years, 80% LTV); maximum APR 18.00%. Typical credit limit: $10,000 to $250,000; up to 85% of your home's value. Loan terms: Fixed rate, fixed term; terms of 7, 10 or 15 years.