Home Equity Lines of Credit — CB&S Bank is a home equity line of credit from CB&S Bank. The ongoing APR is Current rates vary from Prime minus .25% – Prime plus 1.50%, currently 6.75% – 8.50%. These rates are variable and are subject to change. Maximum APR 18%. The minimum possible APR will be 5%.. Typical credit limit: This variable rate, revolving line of credit is available starting at $10,000.