The Rivermark Community Credit Union is a home equity line of credit from Rivermark Community Credit Union. Application typically pulls a hard report from Equifax. The ongoing APR is 7.24% - 13.99% APR; variable, based on the Wall Street Journal Prime Rate plus a margin, with a maximum APR of 18.00% and a floor APR of 3.00%. Typical credit limit: Minimum loan amount of $5,000; access up to 95% loan-to-value (LTV) or combined loan-to-value (CLTV). Loan terms: 10-year draw period followed by a 20-year repayment period.