Enjoy the flexibility of our short-term, fixed rate Home Equity Line of Credit (HELOC). You can use the money for any purpose! There is no application fee and there are no closing costs. Borrow up to 100% of your home's equity. With our HELOCs, you only pay interest on the principal balance, not the unused portion of the line. And you can re-advance up to your limit as many times as you want during the draw period. With Golden Plains Online, access to your HELOC is easy. You can transfer the funds from your HELOC to your savings or checking account at any time. Click here to apply online today!