The Trailhead Credit Union is a home equity line of credit from Trailhead Credit Union. The ongoing APR is 15 year amortization with 10 year draw: 6.25% - 10.75% variable; variable rate is based on the Prime rate as published in the Wall Street Journal on the first day of the month, 3.75% floor; 18% ceiling. Typical credit limit: Up to 85% loan to value (restrictions apply). Loan terms: 10-year draw followed by 15-year amortization.