The CSE Federal Credit Union is a home equity line of credit from CSE Federal Credit Union. The annual fee is No application fee. No closing costs.. The ongoing APR is Home Equity Line of Credit As low as 6.75% APR. Variable rate; your rate will vary but never exceed 18.00% APR.. Typical credit limit: Minimum credit line draw of $5,000. Financing up to 90% of the home’s value is available.. Loan terms: Monthly Payments will be $100 or 1% of the HELOC balance, whichever is greater..