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Updated almost 6 years ago on .

Needed: Fixed Rate Line of Credit with Long Term
My credit union offers a home equity loans of 25k-500k at 3.99% with a 20yr term.
This is almost perfect...except I need it to be...a credit line.
What I really need is this exact loan product but I want to be able to draw from it and pay it back as needed.
Does anybody out there know who might offer something like this? Perhaps it's in the form of a business line.
Realllllly hoping for BP to come through on this one. I'm in California, but I'll go to the ends of the Earth to get it. Credit score is 800+.