Home Equity Line of Credit — Vermont Federal Credit Union is a home equity line of credit from Vermont Federal Credit Union. The ongoing APR is 80% Maximum Loan to Value product is equal to Prime Rate minus .50% with a floor of 4.50% APR. 90% Maximum Loan to Value product is equal to Prime Rate plus 1.50% with a floor of 5.00% APR.; The maximum APR that may be imposed is 18.00%.. Typical credit limit: Minimum credit line is $15,000..