The First Central Credit Union is a home equity loan from First Central Credit Union. The ongoing APR is 1st Lien: as low as 5.55% - 10.85% (5 years) to as low as 7.05% - 12.35% (20 years); 2nd Lien: as low as 6.55% - 12.35% (5 years) to as low as 8.05% - 13.85% (20 years). Effective 12/18/2025.. Loan terms: 5, 7, 10, 15 or 20 years.