The USC Credit Union is a home equity line of credit from USC Credit Union. The annual fee is No upfront costs or annual fees. The ongoing APR is Interest Only HELOC 6.90%; Traditional HELOC 6.90% (APR as low as, variable, PRIME -0.10%, effective 10.17.2026). Typical credit limit: Loans from $10,000 - $250,000. Loan terms: Interest-Only - pay interest-only during the draw period with up to 15 years to repay it; Traditional HELOC - pay both principal and interest.