Home Equity Loans in Philadelphia, PA

Looking to tap into your Philadelphia home's equity? Compare current home equity line of credit rates from trusted local lenders to find the best deal for your budget and goals. Whether you’re remodeling or consolidating debt, smart financing starts here.

Philadelphia homeowners deserve flexible terms and fast funding from lenders who understand the community. Explore your options today and discover personalized support that helps you unlock your home's value with confidence.

Filters

Lender
APR
Term
Max Amount
CLTV
Link
Info
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 - 7 %
5 - 15 Yrs
90 %
∞
sdfcu
5.24 - 8.5 %
20 Yrs
90 %
∞
dcu
5.25 - 7.75 %
20 Yrs
50 %
∞
freedomcu
5.5 - 6.74 %
15 Yrs
80 %
∞
diamondcu
5.69 - 6.72 %
20 Yrs
90 %
∞
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-SEP-20

Credit Union Loan Rates - Trends & Analysis:

American Heritage has a Home Equity loan with an APR range of 4.99% to 7.99% today, unchanged from it was 7, 30, 60, and 90 days ago. Their HELOC rates also stay steady at 5.74% to 7.99% over the same time periods. Neither product shows any change in rates recently. 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 the past 7, 30, 60, and 90 days. Both products have steady rates over the last three months.

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. Merck Sharp & Dohme has a Home Equity rate of 5.24% today, unchanged from it was 7, 30, 60, and 90 days ago. Their HELOC rate is now between 6.25% and 7% , up from 6% to 6.75% over the past 7, 30, 60, and 90 days.

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 5% to 6.5% seven days ago but down from 6.99% to 7.74% thirty and sixty days ago. The HELOC rate range is 6.25% to 7.75% today, also up from 6% to 7.5% a week ago and lower than the 6.75% to 8.49% seen thirty, sixty, and ninety days ago.

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. Diamond has a HELOC with an APR range of 2.99% to 6.5% , which hasn't changed in the past 7, 30, 60, or 90 days. Their Home Equity loan shows a range of 5.69% to 6.72% today, with the top end slightly higher than 7 days ago and 30 days ago.

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 and 30 days ago but lower than 60 and 90 days ago. Its HELOC rates are steady at 6.75% to 7.25% , unchanged over the past 7, 30, 60, and 90 days.

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