The Guardians Credit Union is a home equity line of credit from Guardians Credit Union. The ongoing APR is As low as 6.75% APR (rate 6.75%). Variable rate tied to the Wall Street Journal Prime Lending Rate plus a margin; will not go below 4.00%; adjusts quarterly; maximum cap is 18% APR.. Typical credit limit: Home Equity loans are available up to $450,000.. Loan terms: Total loan term is 20 years, which is made up of a 5 year draw period and a loan amortization of 15 years. Payment option is a percentage of the balance based on a 15 year amortization..