The Goldenwest Federal Credit Union is a home equity line of credit from Goldenwest Federal Credit Union. The ongoing APR is prime rate plus a margin; introductory rate 3.99% APR. Much like a credit card, a HELOC gives you the flexibility to pay down your credit line and access funds as you need them. A HELOC is a convenient and cost-effective option to finance home improvement projects or consolidate debt. You can also access the account to pay for vacations, weddings, college tuition, or whatever else life brings your way.