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How Do HELOC Payments Work? - How Much Interest I PayHome Equity Line of Credit Rates ; As low as %* Introductory Rate, Term: Up to 20 Years ; Regular Rate = Prime Rate, Up to 80% Financing Full Appraisal. Introductory Annual Percentage Rate (APR) of % available on new lines of credit only with combined loan-to-value (LTV) ratio (including prior mortgages or. Introductory rates (APR): % � % fixed (in July ) � Length of introductory term: 6 � 12 months (depending on which rate you select).