Home Equity Loans in Philadelphia, PA

Looking for the best line of credit loan rates in Philadelphia, PA? Tap into your home’s equity with local lenders who offer competitive rates and flexible repayment options designed to fit your needs. Whether it’s home improvements or debt consolidation, we make comparing offers easy.

Philadelphia homeowners trust community-focused lenders who understand the local market and provide fast funding with clear terms. Start comparing today to find the right line of credit that helps you manage expenses smoothly and build a stronger financial future.

Filters

Lender
APR
Term
Max Amount
CLTV
Link
Info
diamondcu
2.99 - 6.5 %
0.5 Yrs
90 %
∞
americanheritagecu
4.99 - 7.99 %
15 Yrs
95 %
∞
belco
4.99 - 8 %
5.1 - 20 Yrs
90 %
∞
firsttechfed
5 - 8 %
20 Yrs
∞
msdfcu
5.24 - 6.75 %
5 - 15 Yrs
90 %
∞
sdfcu
5.24 - 8.5 %
20 Yrs
90 %
∞
eriefcu
5.25 - 7 %
5 - 15 Yrs
∞
freedomcu
5.5 - 6.74 %
15 Yrs
80 %
∞
psecu
5.69 - 7.75 %
20 Yrs
90 %
∞
firstcomcu
5.74 - 7.25 %
3 - 20 Yrs
90 %
∞

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

Credit Union Loan Rates - Trends & Analysis:

Diamond has a HELOC with an APR range of 2.99% to 6.5% , which is unchanged from 7, 30, 60, and 90 days ago. Its Home Equity loan shows a range of 5.69% to 6.59% today, with the top end slightly lower than 7 days ago but the same as 90 days ago. American Heritage has a Home Equity rate range of 4.99% to 7.99% today, unchanged from it was 7, 30, 60, and 90 days ago. Their HELOC rates are 5.74% to 7.99% now, unchanged from 7 and 30 days ago but lower than the 60 and 90 days ago range of 5.74% to 8.24% .

Belco Community Credit Union has a Home Equity rate range of 4.99% to 5.99% today, unchanged from it was 7, 30, 60, and 90 days ago. Their HELOC rates are between 6.75% and 8% , also unchanged from 7, 30, and 60 days ago. Both products show no rate changes over these time periods. 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.

Merck Sharp & Dohme has a Home Equity rate of 5.24% today, unchanged from it was 7, 30, and 60 days ago. Their HELOC rates range from 6% to 6.75% , also unchanged compared to the past 7, 30, and 60 days. Both products have steady rates over the last two 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.

Erie has a Home Equity rate range of 5.25% to 7% today, unchanged from it was 7, 30, and 60 days ago. The rate range was lower 90 days ago, starting at 5.25% and going up to 6.25% . This means the top end of the range has increased since then, while the minimum rate stayed steady. Freedom has a Home Equity loan with an APR range of 5.5% to 6% , unchanged from 7, 30, and 60 days ago. Its HELOC rate is 6.74% , unchanged from 30 and 60 days ago. Both rates have stayed steady over the past few weeks.

Pennsylvania State Employees has a Home Equity loan with an APR range of 5.69% to 7.49% today, unchanged from 7 and 30 days ago but lower than 60 and 90 days ago when it was 5.94% to 7.74% . Their HELOC rate is 6.75% to 7.75% today, with no past data available for comparison. First Commonwealth has a Home Equity rate range of 5.74% to 6.49% today, unchanged from 7, 60, and 90 days ago but lower than 30 days ago when the top rate was 8.49% . Its HELOC rates are steady at 6.75% to 7.25% , unchanged from both 7 and 30 days ago.

🏦 Local Lenders in Philadelphia, PA

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🏘️ All the Lenders Available in Philadelphia County, PA

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