Home Equity Lines of Credit — Sound Credit Union is a home equity line of credit from Sound Credit Union. The ongoing APR is LTV Up to 70% LTV APR Range* 7.00% – 10.00% LTV 70% – 80% LTV APR Range* 8.00% – 10.00% LTV 80% – 90% LTV APR Range* 10.00% – 10.00%; Home equity line of credit has a variable rate based on Prime, as published in the Wall Street Journal, and subject to change during the term of the loan. The minimum APR is 3.99% and the maximum APR is 18%.; Non-owner occupied HELOC rates: Prime +2% to Prime +4% APR. Typical credit limit: Maximum loan amount is determined by the amount of equity in your home.; For 81% to 90% of appraised value, borrow up to $50,000 maximum for Home Equity loans and Home Equity Lines of Credit..