Home Equity Loans in Buffalo, NY

Looking to make the most of your Buffalo home’s equity? Comparing home equity loan rates in Buffalo, NY helps you find the best deal for your budget, whether it’s for home improvements, debt consolidation, or other needs.

Buffalo homeowners deserve clear options and friendly service. Explore competitive rates tailored to our community, with flexible terms that fit your goals and fast funding to get your projects started without delay.

Filters

Lender
APR
Term
Max Amount
CLTV
Link
Info
mhvfcu
6.5 - 7 %
15 Yrs
80 %
∞
usalliance
6.5 - 8.125 %
5 - 20 Yrs
90 %
∞
jfcu
6.5 - 9.25 %
20 Yrs
89 %
∞
sunmark
6.6 - 7.1 %
20 Yrs
85 %
∞
quorumfcu
6.62 - 9.88 %
∞
affinityfcu
6.63 %
10 - 30 Yrs
80 %
∞
kinecta
6.74 - 7.625 %
85 %
∞
penfed
6.75 %
85 %
∞
psfcu
6.75 %
10 - 25 Yrs
∞
nymcu
6.75 - 7.875 %
20 Yrs
∞

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

Credit Union Loan Rates - Trends & Analysis:

Mid–Hudson Valley has a HELOC with a 3.99% APR today, unchanged from 7, 30, and 60 days ago. Their Home Equity loan shows a range from 6.5% to 7% APR, also unchanged from 7, 30, 60, and 90 days ago. Both products have steady rates over the past three months. Usalliance has a Home Equity rate range of 6.5% to 8.12% today. This rate is the same as it was 7 and 90 days ago but slightly lower than 30 days ago when the top rate was 8.26% . The rate also matches the level from 60 days ago.

Justice has a HELOC with an APR range of 6.5% to 6.75% , unchanged from 7, 30, 60, and 90 days ago. Its Home Equity loan shows a range of 7.25% to 9.25% today, with the top end higher than 7 days ago when it was 8.5% , but unchanged from 30 and 90 days ago. Sunmark's Home Equity loan has an APR range of 6.6% to 7.1% 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 6.6% .

Quorum has a HELOC with an APR range of 6.62% to 9.88% today. This rate is the same as it was 7, 30, and 60 days ago, and it matches the rate from 90 days ago as well. The APR has stayed steady across all these time periods. Affinity has a HELOC with a minimum APR of 6.63% today, unchanged from 7, 30, and 60 days ago. This rate is higher than the range from 90 days ago, which was 4.99% to 6.63% . The rate has stayed steady recently after rising from the lower end of the range seen three months back.

Kinecta has a HELOC with an APR range of 5.99% to 7.62% , unchanged from 7, 30, and 60 days ago but higher than 90 days ago. Their Home Equity loan has a 6.74% APR today, unchanged from 7 and 30 days ago but lower than it was 60 and 90 days ago. Pentagon has a HELOC with a minimum APR of 6.75% today, unchanged from it was 7, 30, and 60 days ago. The 90–day range remains wider, from 6.75% to 18% , showing no change in the minimum rate over that period. Polish & Slavic has a HELOC with an APR of 6.75% 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.

Municipal has a HELOC with an APR of 6.75% , unchanged from 30 and 60 days ago. Their Home Equity loan shows a range from 7% to 7.88% , unchanged from 7, 30, 60, and 90 days ago. Both rates have stayed steady over the past few months.

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