The Fortera Credit Union is a home equity loan from Fortera Credit Union. The ongoing APR is Closed End Home Equity Loan, Loan to value is less than 80%: 5 Year Term 5.49% - 8.99%; 10 Year Term 5.99% - 9.49%; 15 Year Term 6.49% - 8.99%; 20 Year Term 7.49% - 8.49% (Rate is accurate as of September 1, 2026). Loan terms: fixed interest rates and fixed payment amounts for up to a 20-year term.