The Ft. Randall Federal Credit Union is a home equity line of credit from Ft. Randall Federal Credit Union. The ongoing APR is Fixed: 7.75% APR, 8.00% APR, 8.50% APR; Variable Prime Rate + 0.50% APR, 1.00% APR, 1.50% APR (Rates Effective as of: 10/16/2025). Loan terms: During the draw period, you can borrow from your line, repay, and borrow again as needed. After that, you’ll enter a repayment period where you’ll pay down the outstanding balance..