The Greenville Heritage Federal Credit Union is a home equity line of credit from Greenville Heritage Federal Credit Union. Application typically pulls a hard report from Equifax. The ongoing APR is After the introductory period, Prime Rate plus a margin of +0.50% to +2.50% based on credit rating; minimum APR 3.50%, maximum APR 18.00%; normal HELOC rate as low as 7.50% (as of September 17, 2026) after a 4.99% APR fixed for the first 12 months introductory rate for 12 months. Typical credit limit: Minimum credit line of $20,000. Loan terms: 10-year draw period with 20-year term; amortized principal and interest payments monthly during and after the draw period.