Home Equity Line of Credit (HELOC) — HFS Federal Credit Union is a home equity line of credit from HFS Federal Credit Union. Typical credit limit: 7.50% for loans up to 80% LTV with a maximum credit line of $500,000 and 8.50% for loans up to 100% LTV with a maximum credit line of $100,000. Loan terms: not exceed 20 years (including a 5-year draw period and a maximum 15-year repayment period).