The Workers Credit Union is a home equity line of credit from Workers Credit Union. The annual fee is Annual Fee of $50.00, which is due annually (waived if the monthly payment is paid automatically from a Workers checking account).. The ongoing APR is 90% Financing - HELOCPlus: Prime +1.00%. Maximum rate is 18%. Minimum Rate is 5.00%. Variable rate.. Typical credit limit: Minimum line amount is $25,000.. Loan terms: 10 year draw period with interest only payments, then 10 year repayment term (principal plus interest).