Home Equity Loans in Saratoga Springs, NY 12866

Looking to tap into your home’s value in Saratoga Springs, NY? Comparing home equity loan offers from trusted local banks helps you find the best rates and terms tailored to your needs—whether for remodeling, debt consolidation, or other goals.

Our community banks and credit unions understand Saratoga Springs homeowners. They offer flexible loans with fast funding and friendly service, making it easy to turn your home’s equity into the financial boost you deserve. Start comparing today and find the right fit for your plans.

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5 - 6.25 %

5 - 25 Yrs

90 %

∞

5 - 8 %

20 Yrs

∞

5.24 - 6.75 %

15 Yrs

∞

5.24 - 8.5 %

20 Yrs

90 %

∞

5.65 - 7.75 %

15 Yrs

∞

5.7 - 6.25 %

15 Yrs

80 %

∞

5.74 - 7.24 %

0.1 - 1.7 Yrs

80 %

∞

5.75 - 6.5 %

7 Yrs

80 %

∞

5.898 - 8.468 %

5 - 15 Yrs

90 %

∞

5.99 - 6.25 %

1 - 15 Yrs

100 %

∞

Today’s Home Equity Loan Rates & Analysis - Updated on 2026-AUG-29

Credit Union Loan Rates - Trends & Analysis:

Broadview has a HELOC with an APR range of 3.99% to 6.25% today. This rate is the same as it was 7, 30, 60, and 90 days ago. There has been no change in the APR for this product over the past three months. First Technology has a Home Equity rate range of 5% to 8% , unchanged from it was 7, 30, 60, and 90 days ago. Its HELOC rates are 6.75% to 6.88% today, unchanged from 7 and 30 days ago but lower than 30 days ago when the range was 7% to 7.12% . Compared to 60 and 90 days ago, the HELOC rates are slightly higher now.

Empower has a Home Equity rate range of 5.24% to 6.24% today, unchanged from it was 7, 30, 60, and 90 days ago. The HELOC rate is 6.75% now and has not changed from 7, 30, or 60 days ago. Both products show steady rates over the past three months. State Department has a Home Equity loan with an APR range of 5.24% to 8.5% , unchanged from 7 and 30 days ago but higher than 60 and 90 days ago when the top rate was 7.75% . Their HELOC rate is steady at 6.25% with no changes over the past 7, 30, 60, or 90 days.

The Summit has a Home Equity rate range of 5.65% to 7.6% today, unchanged from 7, 30, and 60 days ago but higher than 90 days ago when the minimum was 5.45% . Its HELOC rates are 6.75% to 7.75% , steady compared to the past 7, 30, and 60 days, but up from 3.45% ninety days ago. North Country has a HELOC with an APR range of 5.7% to 6.25% today, unchanged from 7, 30, and 60 days ago. This rate is lower than it was 90 days ago when the top of the range was 6.25% .

First Source has a HELOC with an APR range of 2.99% to 6.5% , unchanged from 7, 30, and 60 days ago. Their Home Equity loan shows an APR range of 4.74% to 7.24% , also unchanged from the past 7, 30, and 60 days. Both products have steady rates over the last two months. Hudson Valley has a Home Equity rate range of 5.75% to 6.5% today, unchanged from it was 7, 30, and 60 days ago. The HELOC rate is 6.5% now and has not changed from 7, 30, or 60 days ago, but it was lower and more varied 90 days ago at 4.5% to 7% .

Affinity Plus has a Home Equity rate range of 5.9% –6.39% today, unchanged from 7 and 60 days ago but higher than 30 days ago. The HELOC rate is 6.22% , steady from 7 and 60 days ago and up from 30 days ago. Solar loans match the Home Equity range and show the same pattern. Improvement loans have a rate range of 7.66% –8.47% , also unchanged from 7 and 60 days ago but up from 30 days ago. Sidney has a HELOC with a 4.99% APR that hasn't changed in the last 7, 30, or 90 days. Its Home Equity loan shows a rate range of 5.99% to 6.25% today, the same as 7 and 30 days ago but lower than 60 days ago when the range was 6.03% to 6.28% .

🏦 Local Lenders in Saratoga Springs, NY

FIRST NEW YORK FEDERAL CREDIT UNION — 424 MAPLE AVE SARATOGA SPRINGS NY 12866
BROADVIEW FEDERAL CREDIT UNION — 7 LOWES DR SARATOGA SPRINGS NY 12866
SARATOGA'S COMMUNITY FEDERAL CREDIT UNION — 23 DIVISION ST SARATOGA SPRINGS NY 12866
NAVY FEDERAL CREDIT UNION FEDERAL CREDIT UNION — 19 J F KING DR SARATOGA SPRINGS NY 12866
SUNMARK CREDIT UNION — 3090 ROUTE 50 SARATOGA SPRINGS NY 12866

See the full lender directory — hours, services & financials →

🏘️ All the Lenders Available in Saratoga County, NY

✅TCT FEDERAL CREDIT UNION

✅STEWARTS CREDIT UNION

✅BROADVIEW FEDERAL CREDIT UNION

✅SARATOGAS COMMUNITY CREDIT UNION

✅HUDSON VALLEY CREDIT UNION

✅SUNMARK CREDIT UNION

✅FIRST NEW YORK FEDERAL CREDIT UNION

✅NAVY FEDERAL CREDIT UNION FEDERAL CREDIT UNION

✅HUDSON RIVER COMMUNITY CREDIT UNION

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