The St. Joseph’s Federal Credit Union is a home equity line of credit from St. Joseph’s Federal Credit Union. The ongoing APR is Variable rate – based on the Wall Street Journal Prime Rate plus .25% minimum rate of 4.00%. Typical credit limit: Lines of $8,000 – $50,000. Loan terms: Available in terms up to 10 years; 5 year draw and a 5 year repayment schedule.