Flex Equity Line of Credit — Patriot Federal Credit Union is a home equity line of credit from Patriot Federal Credit Union. Typical credit limit: The minimum line is $7,500; The minimum amount to lock the rate is $5,000; Credit lines up to 90% of the equity in your home. Loan terms: You can use money from your Flex Equity Line for up to 10 years; You can lock in the rate for up to 4 portions of your line of credit; Each portion can be locked in for up to 15 years.