The JetStream Federal Credit Union is a home equity line of credit from JetStream Federal Credit Union. The annual fee is No annual fee (no application fee, origination fee or annual fees). The ongoing APR is Rates as low as 6.50% APR after the first 6 months (variable) after a 2.99% APR for the first 6 months (limited time offer) introductory rate for 6 months. Loan terms: 10-year draw period and 15-year repayment term; interest-only or principal plus interest payments.