The North Coast Credit Union is a home equity line of credit from North Coast Credit Union. The annual fee is Annual Fee Waived for the First Year The annual fee will be $50 thereafter.. The ongoing APR is 7.000% - 10.000% APR* (Variable Rate). Typical credit limit: Minimum loan amount is $20,000. Maximum is $100,000.. Loan terms: You Can Draw from Your HELOC for 5 Years After your draw period, you will have 15 years to repay your loan..