The Palmetto Citizens Federal Credit Union is a home equity line of credit from Palmetto Citizens Federal Credit Union. The ongoing APR is 7.00% (Rates as low as*). Prime Rate, as published in the Wall Street Journal, is a variable rate; as it changes, the APR on your account will also change. The APR will be based on the prime rate plus a margin of up to 4.00%. The maximum APR that can apply is 18.00%. The present Prime Rate of 7.00% is current as of September 17, 2026.. Typical credit limit: The minimum loan line of credit amount is $5,000.. Loan terms: 10-year draw period and a 25 year total term. Repayment period is based upon amount outstanding: $0 - $9,999.99 - ten year repayment. $10,000 & above - up to fifteen years repayment. Term for second/vacation home is 180 mos..