The Goldenwest Credit Union is a home equity line of credit from Goldenwest Credit Union. The annual fee is No Fees or closing costs. The ongoing APR is As low as 7.000%, 20 Year Term - Variable; based on a current Prime Rate of 7.00% APR, variable APRs currently range from 7.00% to 8.50% APR; maximum APR of 18% (rates accurate as of October 1, 2026). Loan terms: 20-year term with a variable rate; initial draw period (borrow, repay, borrow again) followed by a repayment period.