The Heritage Financial Credit Union is a home equity line of credit from Heritage Financial Credit Union. The ongoing APR is Variable APR as low as 6.25% (10 Year Draw, 15 Year Repayment); maximum APR 18%; subject to a 3.00% floor rate after a 4.49% variable for 12 months (Home Equity Line of Credit Promotion), then WSJ Prime plus margin with 3.00% floor introductory rate for 12 months. Loan terms: 10 Year Draw, 15 Year Repayment.