Help with 100% HELOC at 4.5-5%

[Gonzalo Escobar]

Been aggressively looking for a bank or credit unit that does a HELOC product at 100% LTV at an APR of 4.5-5% and Lends in IL. So far the only credit union I have found that offers the product Tower Federal and is pretty much impossible to join unless if you are in the DC area. Any help would be much appreciated.