The Grow Financial Federal Credit Union is a home equity line of credit from Grow Financial Federal Credit Union. Application typically pulls a hard report from Equifax. The ongoing APR is 8.000% APR (variable; Wall Street Journal Prime Rate plus a margin; rates effective as of 10/15/2026). Typical credit limit: Minimum loan amount is $7,500.. Loan terms: The term of the loan is 20 years, 10-year draw and 10-year payback..