The Kitsap Credit Union is a home equity loan from Kitsap Credit Union. The ongoing APR is As low as 6.50% APR (first mortgage installment 6.50%; second lien 7.25%; secondary/vacation 8.00%; non-owner investment 8.75%). Typical credit limit: Minimum loan amount is $10,000. Loan terms: 10-year, 12-year and 15-year terms; fixed monthly installments.