Home Equity Line of Credit — Selfreliance Federal Credit Union is a home equity line of credit from Selfreliance Federal Credit Union. The ongoing APR is The Annual Percentage Rate (APR) will be based on the Prime Rate plus a margin of 0.25%, with a maximum APR of 18.0%.; The current Prime Rate is 7.000% resulting in a current APR of 7.250%.. Typical credit limit: $50,000 - $250,000. Loan terms: 20-year HELOC term, including 10-year draw and repayment period and subsequent 10-year repayment period.