The Seattle Credit Union is a home equity line of credit from Seattle Credit Union. Application typically pulls a hard report from Experian. The ongoing APR is APR as low as (effective October 17th, 2026; owner occupied and 2nd homes): up to 80% LTV 7.25% (Equal to Prime +.50 %); up to 100% LTV 9.25% (Equal to Prime + 2.50%). Approval typically requires a credit score of We don't require a minimum credit score unless over 75% LTV for HELOCs. or higher. Loan terms: You can obtain credit advances for 120 months (the draw period); the length of the repayment period is 120 months; payments due monthly..