Home Equity Line-of-Credit (HELOC) — Ignite Credit Union is a home equity line of credit from Ignite Credit Union. The ongoing APR is APRs range from 2.99% to 18% depending on your creditworthiness, loan-to-value, and other factors; variable rate line-of-credit after a 4.99% APR 12-month introductory rate introductory rate. Typical credit limit: Borrow up to 90% of your home's equity (for qualifying loans).