Home Equity Line of Credit (HELOC) — Sandia Area Federal Credit Union is a home equity line of credit from Sandia Area Federal Credit Union. The ongoing APR is Variable Rates Starting at 7.50% APR. Typical credit limit: Maximum loan amount is 90% LTV for 180 months up to $200,000.. Loan terms: Term of 180 months consists of 5-year draw period followed by 10-year repayment only period..