The Goldenwest Credit Union is a mortgage from Goldenwest Credit Union. The ongoing APR is As low as 6.625% (6.768% APR), 7/1 ARM long-term loan; construction period rate 6.625% fixed (rates accurate as of September 3, 2026; example $647,200, 680+ FICO, 80% LTV). Loan terms: Interest-only payments during the construction phase; converts to a long-term 7/1 or 5/1 ARM mortgage upon completion; construction must be complete within a 12-month period.