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Home Equity Line of Credit

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

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Benefits of a Home Equity Line of Credit

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.

APRs for Home equity lines of credit are based on prime rate plus a margin and are determined by your credit.
No Fees or closing costs
Visa Platinum Card for convenient access to funds

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Special Offer!

Introductory rate of 3.33% APR

3.33% Introductory Annual Percentage Rate (APR) fixed for 180 days on a single advance of $10,000 or more made between April 1, 2026 and June 30, 2026 on qualifying new or existing Cashliner 4 and Cashliner 5 Home Equity Lines of Credit (HELOCs). The introductory APR applies only to the qualifying advance and begins on the date the advance is made. After the 180-day promotional period, the APR on any remaining balance from that advance will convert to a variable APR disclosed in your Home Equity Line of Credit agreement, which is based on the Wall Street Journal Prime Rate plus or minus a margin. Your margin is determined by your creditworthiness and loan-to-value (LTV), and your actual APR will be equal to the Prime Rate plus or minus that margin. Based on a current Prime Rate of 6.75% APR, variable APRs currently range from 6.75% to 8.50% APR. The introductory APR is a discounted rate and is not based on the index and margin used to determine the variable APR after the promotional period. Rates are variable and may change monthly based on the Prime Rate. Home Equity Lines of Credit have a maximum APR of 18%. Cashliner 4 and Cashliner 5 HELOCs that received the 4.44% promotional rate between January 1, 2026 and March 31, 2026 are not eligible for this offer. Limit one promotional advance per member. Estimated closing costs range from $500–$1,000. Goldenwest may pay these costs for qualifying applications; however, if the line is closed within 24 months of opening, the member will be required to reimburse Goldenwest for the closing costs paid on their behalf. Consult a tax advisor regarding the deductibility of interest. Property insurance is required. All loans subject to credit approval. Additional restrictions may apply.

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How Do I Draw Funds from an Existing HELOC?

There are several options when it comes to withdrawing your funds from your HELOC.

Advancing Funds from a HELOC via Mobile or Online Banking:
1. Log in to your mobile app or online banking
2. Click the “Transfers” widget
3. In the “From” account field, choose the HELOC loan from which you would like to advance funds.
4. In the “To” account field, choose the share in which you would like the funds to be deposited.
5. Enter the amount you would like to transfer. You can also choose the transfer date, if you want it to be recurring and add a memo.
6. Click “Complete Transfer” to finish.
Advancing Funds from a HELOC via Audio Branch:
1. Connect to the audio branch via telephone at 801-621-4550.
2. Choose option 2 for transfers.
3. Choose option 2 for loan to share transfer.
4. Choose option 1 for a transfer within the account, or option 2 to transfer to another account.
5. Enter the loan ID of the HELOC from which you would like to advance funds.
6. Enter the share ID of the share in which you would like funds to be deposited.
7. Enter the amount of the loan advance. Press 1 to process the transaction.
8. Current and available balances are given, and a confirmation of the transaction completion. Press option 2 to return to the main transfer menu.
Advancing Funds in a Branch:

Visit any branch location to help you complete the transaction.
Advancing Funds Using a HELOC Visa Platinum Card:
1. You can use a HELOC Visa Platinum card at any merchant that accepts Visa. Funds will automatically deduct from the HELOC limit when it is used.
2. You can also use the card to perform a cash advance at the teller line in a branch, or at an ATM to withdraw funds.
Advancing Funds Using a HELOC Check:

You can write a check to any merchant that accepts checks, and funds will be automatically deducted from the HELOC limit upon clearing.