The Oswego County Federal Credit Union is a home equity line of credit from Oswego County Federal Credit Union. The annual fee is No application fee, points, closing costs, or annual fees.. The ongoing APR is Variable rate based on the Prime Rate published in The Wall Street Journal (may include a margin). SCORE / GRADE / TO 80% LTV / TO 90% LTV: 730+ A+ Prime / Prime + .25; 680-729 A Prime / Prime + .25; 640-679 B Prime + .25 / Prime + .50; 600-639 C Prime + 1 / Prime + 2; 550-599 D Prime + 2 / N/A; 549 or less E Prime + 3 / N/A. Your rate will never exceed 15.00% APR during the life of the loan.. Typical credit limit: Minimum: $5,000 Maximum: $250,000. Loan terms: Access your money whenever you want for the first 5 years. 10-year repayment period – Year 6 to Year 15 – to repay the outstanding balance. Funds cannot be accessed during this period. 15-year total term. Minimum Payment: Variable payments equal to the monthly principal and interest amortized over 15 years plus insurance and applicable fees..