The Freedom First Credit Union is a home equity loan from Freedom First Credit Union. The ongoing APR is Fixed rate APR as low as 7.24% (rates effective as of 10/12/26). Typical credit limit: The minimum loan amount is $10,000. The maximum loan amount is $250,000.. Loan terms: Lump sum; fixed rate and a fixed payment for the life of the loan; up to 180 months to pay.