ReadiEquity Line of Credit — Georgia's Own Credit Union is a home equity line of credit from Georgia's Own Credit Union. Loan terms: 10-year draw period and a 30-year repayment period; Option A: Payment is equal to 1.5% of the outstanding balance or $75, whichever is greater. Maximum CLTV of 95% with mortgage insurance.; Option B: Payment on accrued interest only of the outstanding balance during the preceding month or $75, whichever is greater. Maximum CLTV of 75% to qualify..