The MyUSA Credit Union is a home equity line of credit from MyUSA Credit Union. The ongoing APR is Annual Percentage Rate (APR) is variable and based on a range of -1.00% below Prime to 4.00% above Prime as listed in the Wall Street Journal as of the last business day of each month. The minimum APR that can be applied is 3.00%, and maximum APR that can be applied is 18.00%. Rates as low as 6.00%.. Loan terms: All HELOCs have a 10 year draw period..