The Gulf Coast Community Federal Credit Union is a home equity line of credit from Gulf Coast Community Federal Credit Union. The ongoing APR is Variable-Rate 7.25 - 13.25% APR; ranges between the Prime Lending Rate as published in the Wall Street Journal and the Prime Lending Rate Plus 6.00% (rates as of 11/20/2025); not to exceed 16.00% APR or fall below 4.00% APR (second-position loans will not fall below 4.50%).. Typical credit limit: Minimum HELOC amount $10,000, Maximum $300,000.. Loan terms: Funds available anytime without reapplying; apply once, then use repeatedly thereafter (for up to 5 years). Revolving credit..