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If you’re a homeowner in Chelmsford, MA, a home equity line of credit offers a smart way to access funds for renovations, debt consolidation, or big life projects. Comparing local lenders helps you find the best rates and terms tailored to our community’s needs.
Explore flexible loan options designed to fit your budget and timeline. With trusted Chelmsford credit unions and lenders, you’ll get fast funding and friendly support every step of the way—so you can move forward with confidence.
Today’s Home Equity Loan Rates & Analysis - Updated on 2026-SEP-22
Credit Union Loan Rates - Trends & Analysis:
First Technology has a Home Equity rate range of 5% to 8% today, unchanged from 7, 30, and 60 days ago but slightly lower than 90 days ago. Its HELOC rates are between 6.75% and 6.88% now, unchanged from the past 7 and 30 days, down from 7% to 7.12% 60 days ago, and up compared to 90 days ago. State Department has a Home Equity loan with an APR range of 5.24% to 8.5% , unchanged from it was 7, 30, 60, and 90 days ago. Their HELOC rate is 6.25% , also unchanged over the past 90 days. Both rates have stayed steady during this time.
Digital has a Home Equity rate range of 5.25% to 6.75% today, which is up from 7 days ago but down from 30, 60, and 90 days ago. Its HELOC rates are 6.25% to 7.75% now, also higher than a week ago but lower than the past 30, 60, and 90 days. Jeanne D'Arc has a HELOC with an APR range of 5.75% to 6.75% today. This rate range is the same as it was 7, 30, and 60 days ago. Compared to 90 days ago, the upper end of the range is much lower now, dropping from 18% to 6.75% .
Affinity Plus has a Home Equity loan with an APR range of 5.9% to 6.39% , unchanged from 7 and 90 days ago but higher than 60 days ago. Its HELOC rate is 6.22% , steady from 7 and 90 days ago but up from 6% over the past 30 and 60 days. The Improvement loan APR ranges from 7.66% to 8.47% , the same as 7 and 90 days ago but higher than 60 days ago. Solar loans match Sharon & Crescent United has a Home Equity rate range of 5.99% to 7.75% today, unchanged from 7 and 90 days ago. Their HELOC rates are between 5.99% and 6.25% , unchanged from 7, 30, 60, and 90 days ago. Both products have steady rates over the past three months.
Webster First has a HELOC with rates from 6% to 8.25% today, which is up from 5.75% to 8% seven, 30, 60, and 90 days ago. Their Home Equity loan rates are steady at 6.5% to 8.5% compared to the past 7, 30, and 60 days, but the top rate was lower 90 days ago at 7.12% . Nasa has a Home Equity loan with an APR range of 6% to 8.75% today. This rate is the same as it was 7, 30, 60, and 90 days ago, showing no change over the past three months. The minimum APR remains at 6% .
Dupaco Community has a HELOC with a minimum APR of 6.25% today. This rate is the same as it was 7, 60, and 90 days ago, but it is lower than the 30–day range, which was 6.25% to 6.75% . The 90–day range was wider, going up to 21% . Veridian's HELOC has an APR range of 6.25% to 8% today. This rate is the same as it was 7 days ago, 30 days ago, and 60 days ago. The rates have stayed steady over the past two months.