HELOC at prime minus? California

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Anyone know of a credit union or lender offering larger HELOCs below prime?  Finishing up some home improvement work shortly and I'd like to increase my current 250k at prime + 0%.  But Western Fed/Unify won't go above a 250k max loan, regardless of equity.  This seems like a good chance to get a larger HELOC and maybe even something at prime minus....but I'm not finding much on an online seach. TD Bank offers a great program from looking at their site, but they don't lend in CA. credit/income/equity not an issue.  Owner occupied home.  

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Star One CU is offering prime, up to $750k.


DCU is prime - 0.25  80% LTV 20 year draw.
Hanscom is good but its 75% LTV 10 year draw.

Anyone know what fico score you need for the lowest rate at DCU and Star One? My score is 660 due to some 0% credit card offers that I did. I will go up to about 700-720 if I pay them off.



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