The Ohio Valley Community Federal Credit Union is a home equity line of credit from Ohio Valley Community Federal Credit Union. The ongoing APR is APR will be variable based on an index plus or minus a margin for the life of the loan. The index is the highest prime rate as published in the Money Rates section of The Wall Street Journal. The margin ranges from .25% to 3.50% and is based on overall creditworthiness factors.. Typical credit limit: Minimum line of credit is $5,000.