Platinum Equity Line — Central Bank & Trust Co. is a home equity line of credit from Central Bank & Trust Co.. Typical credit limit: The minimum and maximum line amounts are $5,000 and $200,000, with a $20 annual program fee.; Up to 89% financing. Loan terms: The credit line term is 10 years and a balloon payment may result.; The minimum monthly payment is the accrued and unpaid interest charges or $100, whichever is greater..