The Mazuma Credit Union is a home equity line of credit from Mazuma Credit Union. The ongoing APR is EquiGold HELOC rates as low as 8.25% APR; variable: WSJ Prime Rate plus 1.5%; Maximum APR is 20.04% (rate reflects maximum available discounts). Typical credit limit: Loans from $10,000 to $250,000. Loan terms: Draw on your line of credit for 10 years with payments of 1.75% of the outstanding loan balance.