HELOC — OakStar Bank is a home equity line of credit from OakStar Bank. The ongoing APR is The APR for 80% or less loan to value the base rate is 6.75% APR. For any loan over 80% loan to value the APR base rate is 7.75%. The rate will not vary above 20% APR, or applicable state law, or below 6.75% APR, depending on market.. Typical credit limit: Minimum loan amount: $10,000. Loan terms: 20-year amortization structure; Interest-only payment options may be available.