Home Equity Line of Credit (HELOC) — Texans Credit Union is a home equity line of credit from Texans Credit Union. The ongoing APR is variable rates based on the Prime Rate (as published in The Wall Street Journal.) plus a margin; The maximum annual percentage rate will never be greater than 18%.. Typical credit limit: Borrow up to 80% of your home’s fair market value; Withdraw as little as $4,000 at a time; Minimum loan amount is $10,000 for a Home Equity Line of Credit.. Loan terms: Interest-only payments during the five-year draw period; 15-year repayment period after the draw ends.