Home Equity Line of Credit (HELOC) — Gulf Winds Credit Union is a home equity line of credit from Gulf Winds Credit Union. The ongoing APR is Introductory rate of 3.99% APR for the first 6 months; all balances will accrue interest at the variable standard APR which can range from Prime + 1% to Prime + 3.5% using the WSJP rate (currently an APR of 6.75%) not to exceed 18% at any time. Loan terms: 10-year draw period with a 20-year repayment term; Pay only interest during the 10-year draw period.