Home Equity Loan (HELOAN) — Gulf Winds Credit Union is a home equity loan from Gulf Winds Credit Union. The ongoing APR is Fixed rate for the life of the loan; A fixed-rate loan of $50,000 for 5 years at a rate of 6.000% APR will have a month payment of $966.64; A fixed-rate loan of $50,000 for 10 years at a rate of 7.000% APR will have a monthly payment of $580.54; A fixed-rate loan of $50,000 for 15 years at a rate of 7.610% APR will have a monthly payment of $466.64. Loan terms: 5, 10, and 15-year terms.