Variable Rate Home equity loan program — Natco Credit Union is a home equity line of credit from Natco Credit Union. The ongoing APR is 7.00% - 12.50% APR, based on prime rate +/- margin and loan to value (October 1, 2026). Typical credit limit: The minimum credit line you can receive is $5,000.00. Loan terms: You can obtain credit advances for 10 years. This period is called the "draw period". You will be required to make monthly payments of principal and interest during both the draw and repayment periods..