Home Equity Smartline™ HELOC — Leaders Credit Union is a home equity line of credit from Leaders Credit Union. Typical credit limit: Home Equity Smartline™ HELOC offers lines of credit between $10,001 and $300,000. *Special considerations may be available for lines of credit above $300,000.. Loan terms: Leaders Credit Union HELOCs have a 7-year withdrawal period and a 15-year repayment period..