Heloc monthly payments

[Chris Kendrick]

Just wondering if there is any other places beside small credit unions to get a good deal, my state employees credit union offers heloc at 4.5 rate which is good but therer monthly payments for heloc is for every $1000 used its $12 a month, so 50k heloc would be 600 a month, didnt know if this was good or not for monthly payments or us there cheaper one out there.