HELOCPlus+ — Avadian Credit Union is a home equity line of credit from Avadian Credit Union. Typical credit limit: MINIMUM ADVANCE $500; $5,000 per "lock". Loan terms: At closing and as needed during the first 10 years (the "draw" period); Principal plus interest payments for 20 years; "Locks" are available for 36 months, 60 months, 84 months, 120 months, and 180 months.