Home Equity Line of Credit — State Bank of Southern Utah is a home equity line of credit from State Bank of Southern Utah. The ongoing APR is Annual Percentage Rate (APR) is based on Wall Street Journal Prime. It is a variable rate that is subject to change. The minimum APR is 3.95% with a maximum 18%.. Typical credit limit: Borrow up to 80% of your home’s appraised value less outstanding mortgage balance; Minimum new loan of $10,000 or more.