Home Equity Loans in Philadelphia, PA

Looking for the best HELOC rates in Philadelphia, PA? Compare local home equity loan offers to find flexible terms that fit your budget and goals. Whether you’re renovating or consolidating debt, Philadelphia homeowners can unlock their home's value with confidence.

Get fast, friendly service from lenders who understand Philly’s unique needs. With competitive rates and expert guidance, tapping into your home’s equity has never been easier or more rewarding right here in Philadelphia.

Filters

Lender
APR
Term
Max Amount
CLTV
Link
Info
affinityplus
5.898 - 8.468 %
5 - 15 Yrs
90 %
∞
trumarkonline
5.99 - 7.99 %
20 Yrs
∞
peoplefirst
6 - 6.75 %
20 Yrs
∞
eriefcu
6 - 7 %
5 - 15 Yrs
∞
heritagefcu
6 - 7 %
20 Yrs
∞
clearviewfcu
6 - 7.04 %
5 - 20 Yrs
80 %
∞
nasafcu
6 - 8.75 %
5 - 20 Yrs
95 %
∞
citadelbanking
6.24 - 7 %
0.5 - 20 Yrs
∞
fmfcu
6.24 - 10.74 %
20 Yrs
85 %
∞
visionsfcu
6.25 - 6.5 %
15 Yrs
90 %
∞

Today’s Home Equity Loan Rates & Analysis - Updated on 2026-SEP-20

Credit Union Loan Rates - Trends & Analysis:

Affinity Plus has a Home Equity loan with an APR range of 5.9% to 6.39% , unchanged from 7 and 90 days ago but higher than 60 days ago. Its HELOC rate is 6.22% , steady from 7 and 90 days ago but up from 6% over the past 30 and 60 days. The Improvement loan APR ranges from 7.66% to 8.47% , the same as 7 and 90 days ago but higher than 60 days ago. Solar loans match Trumark Financial has a Home Equity loan with an APR range of 5.99% to 7.99% , unchanged from it was 7 and 30 days ago. Their HELOC rates are between 5.99% and 7.24% , also unchanged from 7, 30, 60, and 90 days ago. Both products have steady rates over the past three months.

People First has a Home Equity APR range of 6% to 6.75% today, which is higher than 7 days ago and also up from 30, 60, and 90 days ago. The HELOC rate is steady at 6.75% , unchanged from 7, 30, and 90 days ago. Erie's Home Equity loan has a today's APR range of 6% to 7% , which is higher than the 7, 30, and 60 days ago range of 5.25% to 7% . Compared to 90 days ago, the minimum APR is up from 5.25% while the maximum APR is also higher than the previous 6.25% .

Heritage Financial has a HELOC with an APR range of 4.49% to 6.25% today, unchanged from 7, 30, and 60 days ago. Their Home Equity loan shows an APR range of 6% to 7% , also unchanged from the past 7, 30, and 60 days. Both products have steady rates over the last two months. Clearview has a HELOC with an APR range of 6% to 6.49% today, unchanged from 7, 30, and 90 days ago. Its Home Equity loan shows an APR range of 6.24% to 7.04% , also unchanged from 7, 30, and 90 days ago. Both products have steady rates over the past three months.

Nasa has a Home Equity loan with an APR range of 6% to 8.75% 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% . Citadel's HELOC rates today range from 3.99% to 7% , up from 3.99% to 6.75% seven days ago but lower than the steady 6.75% seen over the past 30, 60, and 90 days. Its Home Equity loan rates are between 6.24% and 6.76% , unchanged from a week ago and slightly lower than the 6.31% to 6.76% range seen 30 and 60 days ago. The 90–day rate range for Home Equity is similar to today's.

Franklin Mint's HELOC rates are 6.24% to 7.24% today, which is higher than 7, 30, 60, and 90 days ago when they were 5.99% to 6.99% . The Home Equity loan rates remain steady at 7.99% to 10.74% , unchanged from 30, 60, and 90 days ago. Visions has a Home Equity rate of 6.25% today, unchanged from 7 and 30 days ago but lower than 90 days ago when it was 6.5% . The HELOC rate is 6.5% now and has not changed in the past 7, 30, or 60 days.

🏦 Local Lenders in Philadelphia, PA

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

🏘️ All the Lenders Available in Philadelphia County, PA

✅ARDENT FEDERAL CREDIT UNION
✅S I PHILADELPHIA FEDERAL CREDIT UNION
✅FEDCHOICE FEDERAL CREDIT UNION
✅FRANKLIN MINT FEDERAL CREDIT UNION
✅PENN FEDERAL CREDIT UNION
✅UNIVERSITY OF PENNSYLVANIA STUDENTS FEDERAL CREDIT UNION
✅AMERICAN HERITAGE FEDERAL CREDIT UNION
✅TRUMARK FINANCIAL CREDIT UNION
✅PHILADELPHIA FEDERAL CREDIT UNION
✅POLICE FIRE CREDIT UNION
✅SERVICE STATION DEALERS FEDERAL CREDIT UNION
✅SUN 7064 CREDIT UNION
✅ASBESTOS WORKERS LOCAL 14 FEDERAL CREDIT UNION
✅UKRAINIAN SELFRELIANCE FEDERAL CREDIT UNION
✅WAYLAND TEMPLE BAPTIST FEDERAL CREDIT UNION
✅DEMOCRACY FEDERAL CREDIT UNION
✅PAPER CONVERTERS LOCAL 2861034 CREDIT UNION
✅PINN MEMORIAL FEDERAL CREDIT UNION
✅NEW LIFE FEDERAL CREDIT UNION
✅TRANSIT WORKERS FEDERAL CREDIT UNION
✅FREEDOM 60275 CREDIT UNION
✅EVERENCE FEDERAL CREDIT UNION
✅MABC CREDIT UNION
✅RELIANCE 4120 CREDIT UNION
✅ADVANTAGE FINANCIAL FEDERAL CREDIT UNION
✅NORTHWOOD FEDERAL CREDIT UNION
✅PHILADELPHIA LETTER CARRIERS FEDERAL CREDIT UNION
✅MOUNT CARMEL BAPTIST FEDERAL CREDIT UNION
✅HOLY TRINITY BAPTIST FEDERAL CREDIT UNION
✅PENNSYLVANIA STATE EMPLOYEES CREDIT UNION
✅EAGLE ONE FEDERAL CREDIT UNION
✅AMERICAN AIRLINES FEDERAL CREDIT UNION

Compare other loan types in Philadelphia, PA

Why compare Home Equity Loans in Philadelphia, PA on LendMesh

If you’re searching for heloc rates in Philadelphia, PA, it pays to keep exploring your options. LendMesh makes it easy to compare offers from multiple lenders so you can find the most competitive rates and terms that fit your needs. Taking a little extra time to shop around could save you money and unlock more value from your home equity.

Consider subscribing to LendMesh’s alert service to stay on top of the latest heloc deals in Philadelphia. Just set your ideal rate—say 4% or 5%—and get notified instantly when offers hit your target. You’ll also receive expert insights, market trends, and curated loan opportunities weekly or monthly, helping you make smarter, timely decisions without the stress.

Customers are also interested in:

Heloc Rates