The BANKPLUS is a home equity line of credit from BANKPLUS. The ongoing APR is After the first 90 days the APR will vary based on the U.S. Prime Rate as published in The Wall Street Journal plus a margin; maximum APR may not exceed 21.00% and the minimum APR (floor) may be as low as 3.25% after a 4.99% Annual Percentage Rate (APR) for the first 90 days on new Home Equity Line accounts introductory rate.