Home Equity Line of Credit (HELOC) — CFBank is a home equity line of credit from CFBank. The ongoing APR is Variable rate tied to prime, adjusts monthly. Floor APY of 3.00% and a maximum APY of 18.00%.. Typical credit limit: Minimum loan amount of $10,000 and a max of $400,000. Loan terms: 10-year draw period with a 20-year repayment for a total term of 360 months. Interest-only payment during the draw period..