The Loyalty CU is a home equity line of credit from Loyalty CU. The ongoing APR is 7.00% Fixed APR - first-place lien up to $300,000; 7.25% Fixed APR - second-place lien up to $300,000. Fixed rate for the life of the loan. Typical credit limit: Minimum line of credit $5,000; for credit scores of 650 and above the maximum is $300,000 for a first- and second-place lien; below 650 limited to second-place lien with a maximum of $100,000. Loan terms: Five-year draw period; 15-year repayment term.