The First National Bank of Oneida, The is a home equity line of credit from First National Bank of Oneida, The. Typical credit limit: up to 90% of the equity in your residence. Our Home Equity Credit Lines enable you to advance up to 90% of the equity in your residence. You can use the money for home improvements, vacations, weddings, car purchase, holiday buying, landscaping, a second residence or condominium, and much more. You don During the term of your credit line, principal may be advanced, repaid and re-advanced at your convenience, utilizing your Home Equity Line of Credit checks. This feature is nice to have so you can utilize your credit line anywhere.