The SESLOC Credit Union is a home equity line of credit from SESLOC Credit Union. The ongoing APR is 6.99% – 8.99% variable rate, indexed to Prime Rate (floor 4% APR, lifetime cap 18% APR). Typical credit limit: Lines of credit from $25,000 to $400,000. Loan terms: 10-year draw period, then repay over 20 years; up to five fixed-rate segments ($5,000 minimum) for 5 to 20 year payoff.