Home Equity Loans in Lakeland, FL

Looking to unlock your home’s value in Lakeland, FL? Compare home equity loan offers designed to fit your unique needs—whether it’s remodeling, debt consolidation, or unexpected expenses. Local lenders provide flexible terms and fast funding to help you get started with confidence.

Tap into trusted expertise right here in Lakeland. Our community-focused lenders understand your goals and stand ready to guide you through easy, personalized options. See how a HELOC can work for you and make the most of your home’s equity today.

Filters

Lender
APR
Term
Max Amount
CLTV
Link
Info
achievacu
6.375 - 7 %
5 - 20 Yrs
80 %
∞
dfcufinancial
6.49 - 8.99 %
5 - 15 Yrs
90 %
∞
jfcu
6.5 - 9.25 %
20 Yrs
89 %
∞
ccuflorida
6.5 - 14 %
30 Yrs
80 %
∞
wingsfinancial
6.5 - 14 %
80 %
∞
affinityfcu
6.63 %
10 - 30 Yrs
80 %
∞
penfed
6.75 %
10 - 20 Yrs
85 %
∞
usfcu
6.75 %
5 - 15 Yrs
∞
vystarcu
6.75 %
∞
dcu
6.75 - 8.49 %
20 Yrs
60 %
∞

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

Credit Union Loan Rates - Trends & Analysis:

Achieva Credit Union has a Home Equity rate range of 6.38% to 6.75% today, unchanged from it was 7, 30, and 60 days ago. Their HELOC rates are 6.75% to 7% today, unchanged from 7 and 30 days ago but lower than the 7% to 7.75% range seen 60 days ago. Dfcu Financial has a Home Equity rate range of 6.49% to 8.99% today, unchanged from 7, 30, and 60 days ago. Their HELOC rates are 6.5% to 8.5% now, also unchanged from 7, 30, and 60 days ago, but higher than 90 days ago when the range was 4.99% to 18% .

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. Community Credit Union Of Florida has a Home Equity rate range of 6.49% to 14% , unchanged from 30, 60, and 90 days ago. The HELOC rate range is 6.5% to 12% , unchanged from 7 and 30 days ago but higher than 60 and 90 days ago when the minimum was 3.99% .

Wings Financial has a HELOC with an APR range of 6.5% to 14% today. This rate is the same as it was 7, 30, and 60 days ago, but the upper end was lower at 9% ninety days ago. The minimum APR has stayed steady at 6.5% over all these 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.

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. Usf Federal Credit Union has a Home Equity rate of 6.75% today. This rate is the same as it was 7, 30, and 60 days ago. There has been no change in the APR for this product over the past two months. Vystar has a HELOC with a 6.75% APR today, unchanged from it was 60 days ago. There's no change compared to the past two months. No other recent rate data is available for this product.

Digital has a HELOC with an APR range of 6.75% to 8.49% today, unchanged from 7, 30, 60, and 90 days ago. Its Home Equity loan shows an APR range of 6.99% to 7.74% , also unchanged from the past 90 days. Both products have steady rates over the last three months.

🏦 Local Lenders in Lakeland, FL

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

🏘️ All the Lenders Available in Polk County, FL

✅GTE FEDERAL CREDIT UNION
✅MIDFLORIDA CREDIT UNION
✅SUNCOAST CREDIT UNION
✅TRAX FEDERAL CREDIT UNION
✅BAXTER CREDIT UNION
✅LAKE MICHIGAN CREDIT UNION
✅FLORIDA CENTRAL CREDIT UNION
✅FAITH CONNECTION FEDERAL CREDIT UNION
✅PUBLIX EMPLOYEES FEDERAL CREDIT UNION
✅PENTAGON FEDERAL CREDIT UNION
✅ADDITION FINANCIAL CREDIT UNION

Compare other loan types in Lakeland, FL

Why compare Home Equity Loans in Lakeland, FL on LendMesh

If you’re exploring HELOC home equity loan options in Lakeland, FL, it pays to keep comparing lenders on LendMesh. Browsing multiple offers helps you uncover better rates and more flexible terms tailored to your needs. Take your time to find the deal that fits your financial goals without feeling rushed, so you can confidently unlock your home’s value.

Stay ahead of the market by subscribing to LendMesh’s personalized alerts. Simply set your target rate—whether it’s 4% or 5%—and get notified the moment offers in Lakeland drop below your preferred threshold. With weekly or monthly updates featuring expert insights and hand-picked loan deals, you’ll always be in the know and ready to act on the best opportunities.

Customers are also interested in:

Heloc Home Equity Loan