Home Equity Lines of Credit — Montgomery Bank is a home equity line of credit from Montgomery Bank. Typical credit limit: No annual fee and no closing costs are charged for lines of credit of at least $10,000 and up to $100,000, with a combined loan exposure of less than $250,000. Loan terms: 20-year term. The first 10 years has a revolving line of credit feature with interest only payments and the last ten years is a fully amortized loan with the same variable rate..