--- title: "Goldenwest Credit Union Rates: HELOC 7.00%, Mortgage 6.63%" description: "Goldenwest Credit Union rates today: 20 year fixed mortgage 6.63% APR, HELOC from 7.00% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Goldenwest Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/utah/goldenwest" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Goldenwest Credit Union Rates: HELOC 7.00%, Mortgage 6.63% ### Mortgage rates 11 offers | Product | Published | Rate | Term / condition | Status | | **FHA 30-Year Fixed** 30 year fixed | — APR | 6.490% | — | Standard | | **VA 30-Year Fixed** 30 year fixed | — APR | 6.750% | — | Standard | | **30-Year Fixed** 30 year fixed | — APR | 6.990% | — | Standard | | **VA 15-Year Fixed** 15 year fixed | — APR | 6.125% | — | Standard | | **15-Year Fixed** 15 year fixed | — APR | 6.250% | — | Standard | | **FHA 15-Year Fixed** 15 year fixed | — APR | 6.625% | — | Standard | | **FHA 20-Year Fixed** 20 year fixed | 6.625% APR | 6.250% | — | Standard | | **20-Year Fixed** 20 year fixed | — APR | 6.875% | — | Standard | | **One-Time Close Construction Loan** other | — APR | 6.625% | — | Standard | | **Construction Loan** other | — APR | 6.875% | — | Standard | | **Improved Building Lot 3-year balloon** other | — APR | 6.990% | — | Standard | Goldenwest Credit Union mortgage rates as of November 12, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **HELOC (Variable)** heloc_variable | 7.000% APR | 7.000% | — | Standard | Goldenwest Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Lot Loan Special 1-year balloon** personal_unsecured_12mo | — APR | 6.240% | 12 mo | Standard | Goldenwest Credit Union personal loan rates as of November 12, 2026 As of November 12, 2026, Goldenwest Credit Union offers a 20-year fixed mortgage at 6.625% APR. HELOC rates from 7% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/utah/goldenwest) , verified from [Goldenwest Credit Union's official website](https://www.gwcu.org/locations/branches/corporate-branch-ogden-utah) Best product position **Better than the Utah median** HELOC Gap to state best **51 bp** 51 bp from state best Vs. state median **25 bp better than median** HELOC Products ranked **1** across tracked Utah markets | Product | Published APR | Position | Vs. state best | Vs. state median | | HELOC | 7.00% | Better than the Utah median | 51 bp from state best | 25 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Goldenwest Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=goldenwest&state=utah&code=UT&name=Goldenwest%20Credit%20Union) Loading branch locator… ## About Goldenwest Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 209.9K Assets $4.1B Founded 1936 Locations reported 57 NCUA charter 24693 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - Bilingual services - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**America First** Ogden Harrison · Ogden · UT · 84403 About 1.9 miles away](https://rateapi.dev/credit-unions/utah/america-first) [**Wasatch Peaks** Corporate Headquarters · Ogden · UT · 84403-4304 About 1.9 miles away](https://rateapi.dev/credit-unions/utah/wasatch-peaks) [**Education 1st** Main Office · Ogden · UT · 84403-2560 About 2.5 miles away](https://rateapi.dev/credit-unions/utah/education-1st) [**Ascent** MAIN BRANCH · OGDEN · UT · 84403 About 2.6 miles away](https://rateapi.dev/credit-unions/utah/ascent) [**Mountain America** 0010 South Ogden 40th St · South Ogden · UT · 84403-1827 About 2.9 miles away](https://rateapi.dev/credit-unions/utah/mountain-america) [**Security Service** Riverdale · Riverdale · UT · 84405 About 3.0 miles away](https://rateapi.dev/credit-unions/texas/security-service) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Goldenwest Credit Union Membership eligibility from Goldenwest Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Goldenwest Credit Union's website. Check the membership page below to confirm whether you qualify. Verified from [Goldenwest Credit Union's membership page](https://www.gwcu.org/locations/branches/corporate-branch-ogden-utah) . Final membership determination is always made by the credit union. ## Work at Goldenwest Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Goldenwest Credit Union ranks against Utah peers. - See which AI assistants fetched Goldenwest Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Utah - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=goldenwest&state=utah&code=UT&name=Goldenwest%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Goldenwest Credit Union offer? Goldenwest Credit Union currently offers mortgage, HELOC, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Goldenwest Credit Union rates updated? RateAPI verifies Goldenwest Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Goldenwest Credit Union's rate data? Rate data is collected directly from Goldenwest Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Goldenwest Credit Union's mortgage rate? As of November 12, 2026, Goldenwest Credit Union offers a 20-year fixed mortgage at 6.625% APR. ### What is Goldenwest Credit Union's HELOC rate? As of November 12, 2026, Goldenwest Credit Union offers home equity lines of credit from 7% APR. ### Who can join Goldenwest Credit Union? Goldenwest Credit Union publishes its membership criteria on its own website. ## Related Rate Data Compare Goldenwest Credit Union's rates against national credit-union benchmarks. [More Utah credit unions](https://rateapi.dev/credit-unions/utah) [Utah mortgage rate leaders](https://rateapi.dev/mortgage-rates/utah) [Utah HELOC rate leaders](https://rateapi.dev/heloc-rates/utah) [Utah personal loan leaders](https://rateapi.dev/personal-loan-rates/utah) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.gwcu.org/locations/branches/corporate-branch-ogden-utah) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Goldenwest Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Utah credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Goldenwest Credit Union curl "https://api.rateapi.dev/credit-unions/utah /goldenwest " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Goldenwest Credit Union locations Search, filter, and browse all 57 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/utah/goldenwest Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp