The Freedom First Credit Union is a home equity loan from Freedom First Credit Union. The ongoing APR is Variable: APR as low as 8.00%; WSJ Prime Rate + a minimum 1.00% margin, adjusting every five years (Prime Rate as of 10/12/2026 is 7.00%). Typical credit limit: The minimum amount is $10,000. The maximum loan amount is $250,000.. Loan terms: Lump sum; adjustable rate with a fixed payment that adjusts every five years; up to 240 months to repay.