Home Equity Loans in Rome, NY

Looking to tap into your home's value in Rome, NY? A HELOC can offer flexible access to funds for remodeling, debt consolidation, or other needs. Comparing local loan options helps you find the best rates and terms tailored to your goals.

Our Rome community lenders know the market and offer personalized support to guide you through the process. Whether you’re upgrading your home or managing expenses, exploring HELOC offers here means faster funding and trusted advice close to home.

Filters

Lender
APR
Term
Max Amount
CLTV
Link
Info
broadviewfcu
5 - 6.25 %
5 - 25 Yrs
90 %
∞
firsttechfed
5 - 8 %
20 Yrs
∞
empowerfcu
5.24 - 6.75 %
15 Yrs
∞
sdfcu
5.24 - 8.5 %
20 Yrs
90 %
∞
summitfcu
5.65 - 7.75 %
15 Yrs
∞
northcountry
5.7 - 6.25 %
15 Yrs
80 %
∞
fsource
5.74 - 7.24 %
0.1 - 1.7 Yrs
80 %
∞
hvcu
5.75 - 6.5 %
7 Yrs
80 %
∞
affinityplus
5.898 - 8.468 %
5 - 15 Yrs
90 %
∞
sfcuonline
5.99 - 6.25 %
1 - 15 Yrs
100 %
∞

Today’s Home Equity Loan Rates & Analysis - Updated on 2026-AUG-28

Credit Union Loan Rates - Trends & Analysis:

Broadview has a HELOC with an APR range of 3.99% to 6.25% today. These rates have stayed the same compared to 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% today, unchanged from 7 and 30 days ago but slightly lower than 60 days ago. Its HELOC rates are 6.75% to 6.88% today, unchanged from 7 and 30 days ago but down from 7% to 7.12% 30 days ago and up from 6.62% to 6.75% 60 days ago.

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% and has not changed compared to 7, 30, and 60 days ago. Both products show stable 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. The 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 and 30 days ago. Its Home Equity loan shows a range of 4.74% to 7.24% today, unchanged from 7 and 30 days ago but higher than 60 days ago when the top rate was 6.49% . The 90–day range was higher at 5.74% to 7.24% . 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 Rome, NY

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

🏘️ All the Lenders Available in Oneida County, NY

✅GPO CREDIT UNION
✅RT FEDERAL CREDIT UNION
✅ACCESS 5579 CREDIT UNION
✅MOHAWK VALLEY FEDERAL CREDIT UNION
✅AMERICU CREDIT UNION
✅ONEIDA COUNTY FEDERAL CREDIT UNION
✅SPECIAL METALS FEDERAL CREDIT UNION
✅UTICA GAS ELECTRIC EMP CREDIT UNION
✅FIRST SOURCE FEDERAL CREDIT UNION
✅ROME FEDERAL CREDIT UNION
✅UTICA DISTRICT TELEPHONE EMPLOYEES FEDERAL CREDIT UNION
✅UTICA POLICE DEPARTMENT FEDERAL CREDIT UNION
✅EMPOWER 3025 CREDIT UNION

Compare other loan types in Rome, NY

Why compare Home Equity Loans in Rome, NY on LendMesh

If you’re exploring HELOC options in Rome, NY, take your time comparing lenders on LendMesh to uncover better deals and more affordable rates. Browsing multiple offers helps you find the right fit for your financial goals without feeling rushed. With a variety of lenders at your fingertips, you can confidently choose the home equity solution that works best for you.

Stay informed by subscribing to LendMesh’s personalized alerts tailored for borrowers in Rome, NY. Simply set your target rate, and we’ll notify you when lenders offer deals below that threshold. Whether weekly or monthly, our updates include expert tips, market trends, and curated loan offers delivered directly to your inbox—helping you make smart, timely decisions on your home equity loan or line of credit.

Customers are also interested in:

Discover Heloc