The Members Credit Union is a home equity line of credit from Members Credit Union. The annual fee is No annual fees. The ongoing APR is Variable rates as low as Prime Rate (capped at 10% lifetime, 4% floor). Typical credit limit: Primary properties: lines from $10,000 to $150,000; investment properties: lines up to $50,000. Loan terms: 5-year draw period and 15-year repayment term (interest-only payments during the draw period).