Home Equity Line of Credit — Northfield Savings Bank is a home equity line of credit from Northfield Savings Bank. The ongoing APR is Variable rate tied to prime rate (as published in the Wall Street Journal Money Rate section); The maximum Annual Percentage Rate that may apply at any time within the life of the loan is 18%. Typical credit limit: Loan amounts from $10,000 and up. Loan terms: Draw period is 12 years, followed by a repayment period of 15 years.