The Nutmeg State Financial Credit Union is a home equity line of credit from Nutmeg State Financial Credit Union. The annual fee is No Annual Fees. Typical credit limit: Minimum loan amount is $10,000 and the maximum is $500,000.. Loan terms: draw funds, repay and draw again during an 84-month period. After the draw period ends, advances stop and you enter a 120-month repayment period for a total term of 17 years..