Home Equity Loans in Winter Haven, FL

If you’re in Winter Haven, FL, and considering tapping into your home’s equity, now’s a great time to compare mortgage rates. Whether you’re planning a renovation or need extra funds, finding the right loan with terms that fit your budget can make all the difference.

Local lenders understand Winter Haven’s community and offer competitive rates that help you get more from your home’s value. Take a moment to explore your options and secure a flexible, affordable home equity loan tailored to your needs.

Filters

Lender
APR
Term
Max Amount
CLTV
Link
Info
ngfcu
6.75 - 8.865 %
20 Yrs
60 %
∞
firstflorida
6.75 - 11.25 %
10 - 20 Yrs
80 %
∞
cafcu
6.75 - 12.25 %
90 %
∞
communityfirstfl
6.79 - 7.25 %
10 - 20 Yrs
90 %
∞
pefcu
6.83 - 7.294 %
15 - 20 Yrs
∞
americafirst
6.89 - 10.49 %
5 - 20 Yrs
100 %
∞
togethercu
7.125 %
15 Yrs
∞
alabamacu
7.25 - 8.25 %
90 %
∞
navyfederal
7.34 %
5 Yrs
70 %
∞
growfinancial
7.75 - 9.5 %
10 - 20 Yrs
∞

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

Credit Union Loan Rates - Trends & Analysis:

Northrop Grumman's HELOC APR is 6.75% to 7.75% today, unchanged from 7 and 30 days ago but lower than 60 days ago when it was 7% to 8.5% . The Home Equity loan APR is 8.74% to 8.87% , staying the same compared to 7, 30, 60, and 90 days ago. First Florida has a HELOC with an APR range of 6.75% to 11.25% today. This rate is the same as it was 7 and 30 days ago but higher than the range from 60 and 90 days ago, which started at 4.99% . The minimum APR has gone up since two months ago, while the maximum rate stayed the same.

California Adventist has a HELOC with an APR range of 6.75% to 12.25% today. There's no data to compare this rate to 7 or 30 days ago. The rate remains steady at 6.75% minimum and 12.25% maximum. Community First Credit Union Of Flo has a Home Equity rate today between 6.8% and 7.14% , which is up from 7 days ago but higher than 30, 60, and 90 days ago. Their HELOC rate is steady at 7.25% , unchanged from 7, 30, and 60 days ago. Publix Employees has a Home Equity rate range of 6.83% to 7.29% today. This is slightly lower than 7 days ago but higher than 30 days ago. Compared to 60 and 90 days ago, the rates are up as well.

America First has a Home Equity APR range of 6.89% to 10.49% today. This rate is the same as it was 7 and 60 days ago but higher than the 30–day range, which was 6.89% to 8.24% . The upper end of the range has increased compared to 30 days ago. Together has a HELOC with an APR range of 4.99% to 5.03% , unchanged from it was 7, 30, and 60 days ago. Their Home Equity loan has a fixed APR of 7.12% , also unchanged from the past 7, 30, and 60 days. Both rates have stayed steady over the last two months.

Alabama has a HELOC with an APR range of 7.25% to 8.25% today, unchanged from 7 and 30 days ago. This rate is higher than 60 days ago when the range was 6.75% to 8.25% , and also up from 90 days ago when it was 7% to 8% . Navy Federal Credit Union has a Home Equity loan with an APR of 7.34% today. This rate is the same as it was 7, 30, 60, and 90 days ago. There has been no change in the APR over the past three months. Grow Financial's HELOC rate is 7.75% today, the same as it was 7, 30, 60, and 90 days ago. The Home Equity loan rate is 9.38% to 9.5% now, unchanged from 7 and 30 days ago but higher than 30 and 60 days ago. It's also up compared to 90 days ago.

🏦 Local Lenders in Winter Haven, 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 Winter Haven, FL

Why compare Home Equity Loans in Winter Haven, FL on LendMesh

If you’re exploring equity mortgage rates in Winter Haven, FL, it’s wise to keep comparing offers from different lenders on LendMesh. Doing so helps you spot better deals and find options that fit your budget and goals without any pressure. Taking the time to shop around can unlock more value from your home, whether you're funding renovations or consolidating debt.

Stay informed by subscribing to LendMesh’s personalized alerts tailored to Winter Haven borrowers. Simply set your target rate, and we’ll notify you as soon as offers dip below that mark. You’ll also receive expert insights, rate trends, and curated loan deals weekly or monthly—helping you stay ahead and seize the best opportunities with confidence.