The HAPO Community Credit Union is a home equity loan from HAPO Community Credit Union. Application typically pulls a hard report from Equifax. The ongoing APR is As low as 8.000% rate, 8.318% APR (15-Year, <85% LTV, fixed 180 months); as low as 8.000% rate, 8.445% APR (10-Year, <85% LTV, fixed 120 months). Loan terms: Fixed 180 Months (15-Year); Fixed 120 Months (10-Year).