Home Equity Line of Credit — Webster First Federal Credit Union is a home equity line of credit from Webster First Federal Credit Union. The ongoing APR is As low as 6.000% APR; New Member HELOC as low as 6.000% APR; New Equity Promotion. Prime Rate minus 1.000% for 24 months then Prime Rate.; Minimum APR is 7.000% and the maximum APR is 15.000%. Loan terms: Draw period as long as 20 years!; Home equity lines of credit have a 40-year term; 20-year draw period.