The BayPort Credit Union is a home equity line of credit from BayPort Credit Union. The ongoing APR is 25 years (10-year draw): Prime + 0 (80% or less, 80.01–90%), Prime + 0.25% (90.01–100%); 30 years (15-year interest-only draw): Prime + 0 / Prime + 0.25%; 12 years (2-year draw, 2-year interest-only): 6.74% / 8.49% / 8.74% fixed; 17 years (2-year draw): 7.74% / 9.24% / 9.49% fixed. The maximum annual percentage rate will not exceed 18%.. Loan terms: Choose from a traditional HELOC with a 25-year repayment term or a fixed rate with 2-year interest-only payments followed by 10- and 15-year repayment options..