Alliant credit union currently offers some HELOC at 4.25 % which is prime - 0.75%
My existing credit union had 5.75%
They have 15 and 30 years options. (7 years draw/8 years repayment or 10 years interest only, 20 years repayment) The 30 years option has a $50 annual fee after the first year.
1 year early termination fee of $250
They also have a fixed loan for 5 years (5.25%) , 10 years (5.5%) or 15 years (5.75%)
Not sure if everyone can qualify. I could through my company. They work in many states including IL and CA