The Florida Credit Union is a home equity line of credit from Florida Credit Union. The annual fee is No annual fee. The ongoing APR is 5 Year HELOC Fixed: as low as 6.250% APR (80% LTV or less), 6.740% (90% LTV), 6.990% (100% LTV); minimum APR 6.25% - maximum APR 12.865% (rate quoted as of 03/16/2026). Loan terms: 5 year loan has a 1 year draw period; 7 year loan has a 2 year draw period; after the draw period the borrower pays the remaining balance at a fixed rate and term.