The Southern Chautauqua Federal Credit Union is a home equity line of credit from Southern Chautauqua Federal Credit Union. The ongoing APR is Home Equity Line of Credit Variable APR As Low As: Prime +0.74% (Rate Effective Date: 9/09/2026). Typical credit limit: Utilize up to 80% of the value of your home up to a maximum of $75,000.. Loan terms: Five year draw period with 15 years to pay back the line of credit. Variable interest rate..