Home Equity Line of Credit — Financial Resources Federal Credit Union is a home equity line of credit from Financial Resources Federal Credit Union. The annual fee is $49 annual fee on each anniversary of opening the line. The ongoing APR is Variable: adjusts monthly to the current Prime Rate (Wall Street Journal) plus or minus a margin based on credit and services with the credit union; never lower than 3.00% APR and not above 18.00% (Prime 7.00% as of 09/17/2026). Loan terms: 25-year term with a 10-year draw period.