Home Equity Line of Credit

With a home equity line of credit (HELOC), you can borrow money against one of your greatest assets... your home.

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.

Benefits of a Home Equity Line of Credit

  • Rates as low as 4.75% APR variable (Prime Rate + zero)
  • No Fees or closing costs
  • Visa Platinum Card for convenient access to funds

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HELOC Rates**

as low as

Interest-Only Home Equity Line of Credit

Goldenwest is offering a special interest-only Home Equity Line of Credit that can significantly lower your monthly payments and increase your cash flow.

  • 4.75% APR Variable (Prime Rate + zero)
  • Interest-only payments for the first five years
  • 20-year term
  • No fees

Special Offer

Receive a fixed rate of 3.99% APR

for six months on interest-only HELOCs

Apply Now

Speak with a Goldenwest Home Loan Specialist

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Find a local Goldenwest branch

Our home loan professionals are available to answer your questions via call, online chat, text, or email from 9 am to 5 pm Monday – Friday and from 9 am to 2 pm on Saturday. In-person consultation hours vary by branch.

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Prefer a home equity loan with a single, lump-sum of money at a fixed rate?


All rates and offers available for a limited time and subject to change without notice. Other restrictions apply. Home equity loans and lines of credit have a maximum variable APR of 18%. Fees may apply if closed within 24 months. Click here for a full list of rates and terms.


Members receive an intro rate of 3.99% Annual Percentage Rate (APR) Fixed for six months through 12/31/2018 for cash advances of $10,000+ on new or existing qualifying interest-only HELOCs with a 20-year term HELOC. Intro rate effective on qualifying balances made between 04/01/18 and 06/30/18. Following intro period, rate on outstanding balances will revert to a variable rate based on the Wall Street Journal Prime Rate plus or minus the margin stated in your original home equity line of credit agreement. If member is opening new line of credit, the stated rate is as low as Prime + zero. As of 04/02/2018, Prime Rate is 4.75%. Available on approved credit. Other restrictions may apply.