The Mazuma Credit Union is a home equity line of credit from Mazuma Credit Union. The ongoing APR is EquiPlus HELOC rates as low as 7.00% APR; variable: average 26 week T-Bill plus 3.5%; 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 a 15-year repayment plan.