Home Equity Line of Credit (HELOC) — Numerica Credit Union is a home equity line of credit from Numerica Credit Union. The ongoing APR is Rates as low as 7.25% APR; will never exceed 18.00% APR or go below 2.99% APR. Loan terms: 10-year draw period with a 15-year repayment period, variable rate throughout. Interest-only payments during the draw period, $75 minimum payment..