The Hello Credit Union is a home equity line of credit from Hello Credit Union. The ongoing APR is 1st lien: WSJ Prime less 1.00% - Prime + 5.00%; 2nd lien: WSJ Prime less 0.50% - Prime + 5.00%. Typical credit limit: $10,000.00 up to $250,000.00. Loan terms: Terms up to 15 years, with a 5-year draw period.