The Excite Credit Union is a home equity line of credit from Excite Credit Union. The annual fee is No annual fee. The ongoing APR is As low as 7.75% APR, variable (WSJ Prime + margin set at origination); maximum lifetime APR 18% (rates effective as of 10/15/2026). Typical credit limit: $15,000 to $250,000. Loan terms: 15-year draw period with interest-only minimum payments, then 15-year repayment period.