The Financial Plus Credit Union is a home equity line of credit from Financial Plus Credit Union. The ongoing APR is 7.000% APR, variable (Prime rate index; adjusted monthly; never above 18.000% or below 4.000%); APR accurate as of 12/11/2025 per the page footnote. Loan terms: 120-month draw period, then a repayment period not exceeding 120 months; minimum monthly payment amortizes the balance by maturity, subject to a $75.00 minimum (or the balance).