Home Equity Lines of Credit (HELOCs) — American First Credit Union is a home equity line of credit from American First Credit Union. Typical credit limit: You can borrow as much as $350,000* for a HELOC; For HELOC loan amount up to $250,000, the max CLTV (combined loan-to-value) is 80%. For HELOC loan amount $250,000.01 - $350,000, the max CLTV is 75%.. Loan terms: Fixed and variable terms available.