Home Equity Line of Credit (HELOC) — Lower East Side People's FCU is a home equity line of credit from Lower East Side People's FCU. The annual fee is No annual fee. The ongoing APR is Variable APR, based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin (if applicable); rate adjusts quarterly; rates never higher than 18% APR. Approval typically requires a credit score of No minimum credit score required or higher. Typical credit limit: Loan Limit of $150,000. Loan terms: Term of 10 Years Withdraw/10 Years Repayment.