The O Bee Credit Union is a home equity line of credit from O Bee Credit Union. The ongoing APR is Home Equity Line of Credit- OO: 7.75% - 8.75% (LTV Up to 80%) | Home Equity Line of Credit- NOO: 8.75% - 9.75% (LTV Up to 75%) | Home Equity Line of Credit 100%- OO: 9.50% - 9.75% (LTV 81% - 100%). Loan terms: O Bee Credit Union's Home Equity Line of Credit features a 10-year Draw period and up to a 15-year Repayment period after that..