Primary Residence HELOC- Max 80% LTV — Meritrust Credit Union is a home equity line of credit from Meritrust Credit Union. The ongoing APR is Rates as low as 7.60% APR. Typical credit limit: Max loan amount up to $350,000 based on 80% LTV. Loan terms: 10-year draw period and a 20-year repayment period; Interest-only payments, unless you choose to lock in an amount.