Home Equity Loans in Birmingham, AL

Looking for a mortgage line of credit in Birmingham, AL? Compare offers from trusted lenders to find flexible terms that fit your budget and goals. Whether you’re planning home improvements or consolidating debt, tapping into your home's equity can give you the financial boost you need.

Birmingham homeowners appreciate local expertise and quick funding to make their projects happen smoothly. Start comparing mortgage line of credit options today and discover competitive rates designed with your community in mind—helping you unlock your home’s true potential.

Filters

Lender
APR
Term
Max Amount
CLTV
Link
Info
dupaco
6.25 - 7.24 %
10 Yrs
∞
allincu
6.25 - 7.75 %
10 - 15 Yrs
∞
veridiancu
6.25 - 8 %
∞
guardiancu
6.25 - 8.75 %
20 Yrs
90 %
∞
myconsumers
6.25 - 9.75 %
5 - 20 Yrs
80 %
∞
university-credit-union
6.5 - 6.75 %
15 - 20 Yrs
80 %
∞
affinityfcu
6.63 %
10 - 30 Yrs
80 %
∞
familysavingscu
6.7 - 8.75 %
20 Yrs
100 %
∞
fivestarcu
6.75 %
∞
bcu
6.75 - 7 %
∞

Today’s Home Equity Loan Rates & Analysis - Updated on 2026-SEP-22

Credit Union Loan Rates - Trends & Analysis:

Dupaco Community has a HELOC rate of 6.25% today, unchanged from 7 and 60 days ago but lower than the 6.25% to 6.75% range from 30 days ago. Its Home Equity loan rate is between 6.74% and 7.24% , unchanged from 7 and 30 days ago. The HELOC rate was also lower than the wide 6.25% to 21% range seen 90 days ago. All In has a HELOC with an APR range of 6.25% to 7.75% today, unchanged from 7, 30, 60, and 90 days ago. Their Home Equity loan has a fixed APR of 7.75% , also unchanged from the past 90 days. Both rates have stayed steady over this period.

Veridian's HELOC has an APR range of 6.25% to 8% today. This rate is the same as it was 7 days ago, 30 days ago, and 60 days ago. The rates have stayed steady over the past two months. Guardian has a HELOC with an APR range of 6.25% to 8.75% today, unchanged from 7, 30, 60, and 90 days ago. Its Home Equity loan shows an APR range of 6.49% to 8.69% , also unchanged from the past 90 days. Both products have steady rates over this period. Consumers has a Home Equity rate range of 6.25% to 9.75% today, which is lower than 60 days ago when the minimum was 6.75% . Their HELOC rates remain steady at 6.25% to 9.75% , unchanged from 7, 30, 60, and 90 days ago.

University has a HELOC with an APR range of 6.5% to 17.99% today. This is up from 6.25% to 17.74% seven, 30, 60, and 90 days ago. The minimum APR rose while the maximum APR also increased compared to the past three months. Affinity has a HELOC with a minimum APR of 6.63% today, unchanged from it was 7, 30, 60, and 90 days ago. The rate has stayed steady over the past three months with no changes. Family Savings has a Home Equity rate range of 6.7% to 8.2% today, unchanged from 7 and 30 days ago but slightly higher than 30 days ago. Their HELOC rates remain steady at 7.25% to 8.75% compared to 7, 30, 60, and 90 days ago.

Five Star has a HELOC with a 6.75% APR today. This rate is the same as it was 7, 30, 60, and 90 days ago. There has been no change in the APR for this product over the past three months. Baxter has a HELOC with a 6.75% APR today, which is up from 6% over the past 7, 30, 60, and 90 days. Their Home Equity loan rate is 7% now, higher than the 6.75% it was at 7, 30, 60, and 90 days ago.

🏦 Local Lenders in Birmingham, AL

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

🏘️ All the Lenders Available in Jefferson County, AL

✅AMERICAS FIRST CREDIT UNION
✅APCO EMPLOYEES CREDIT UNION
✅JEFFERSON CREDIT UNION CREDIT UNION
✅AVADIAN CREDIT UNION
✅MARVEL CITY FEDERAL CREDIT UNION
✅U S PIPE BESSEMER EMPLOYEES FEDERAL CREDIT UNION
✅FAMILY SECURITY CREDIT UNION
✅ECO CREDIT UNION
✅S R I EMPLOYEES FEDERAL CREDIT UNION
✅LEGACY COMMUNITY FEDERAL CREDIT UNION
✅SIXTH AVENUE BAPTIST FEDERAL CREDIT UNION
✅HOPE 24829 CREDIT UNION
✅FEDERAL EMPLOYEES 62599 CREDIT UNION
✅HEALTH CREDIT UNION
✅NRS COMMUNITY DEVELOPMENT FEDERAL CREDIT UNION
✅ACIPCO FEDERAL CREDIT UNION
✅BIRMINGHAM CITY CREDIT UNION
✅ANG FEDERAL CREDIT UNION
✅LN EMPLOYEES CREDIT UNION
✅PLATINUM FEDERAL CREDIT UNION
✅ALABAMA CREDIT UNION
✅ALABAMA CENTRAL CREDIT UNION
✅SOUTHERN ENERGY CREDIT UNION
✅FIREMANS CREDIT UNION
✅ALABAMA POSTAL CREDIT UNION
✅ALATRUST CREDIT UNION
✅RAILROAD CREDIT UNION
✅ALABAMA LAW ENFORCEMENT CREDIT UNIO CREDIT UNION
✅SOCIAL SECURITY CREDIT UNION
✅MUTUAL SAVINGS 60501 CREDIT UNION

Compare other loan types in Birmingham, AL

Why compare Home Equity Loans in Birmingham, AL on LendMesh

If you’re exploring mortgage lines of credit in Birmingham, AL, take your time comparing offers through LendMesh. Browsing multiple lenders helps you uncover better deals and more affordable rates tailored to your needs. With flexible terms and various options available, a little extra research can make a big difference in your home financing journey.

Consider subscribing to LendMesh for personalized alerts on mortgage line of credit rates in Birmingham, AL. Simply set your target rate, and we’ll notify you as soon as offers drop below that level. You’ll also receive expert insights, rate trends, and hand-picked loan deals on a weekly or monthly basis—helping you stay informed and ready to act when the right opportunity comes along.