Home Equity Loans in Memphis, TN

Looking for the lowest home equity loans in Memphis, TN? Compare local offers to find flexible rates that fit your budget and help you tap into your home’s value with ease.

Whether you’re planning renovations, paying off debt, or handling big expenses, Memphis lenders provide fast funding and trusted support tailored to your needs. Start comparing today and take control of your finances.

Filters

Lender
APR
Term
Max Amount
CLTV
Link
Info
listerhill
4 - 6.75 %
10 - 20 Yrs
∞
firsttechfed
5 - 8 %
20 Yrs
∞
sdfcu
5.24 - 8.5 %
20 Yrs
90 %
∞
ascend
5.25 - 8.75 %
15 Yrs
∞
forteracu
5.49 - 9.49 %
20 Yrs
80 %
∞
affinityplus
5.898 - 8.468 %
5 - 15 Yrs
90 %
∞
bcu
6 - 6.75 %
∞
nasafcu
6 - 8.75 %
5 - 20 Yrs
95 %
∞
university-credit-union
6.25 %
10 - 20 Yrs
80 %
∞
dupaco
6.25 - 6.75 %
75 %
∞

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

Credit Union Loan Rates - Trends & Analysis:

Listerhill has a HELOC with a 4% APR today, unchanged from 7, 30, and 60 days ago. Their Home Equity loan has a 6.75% APR now, unchanged from 7 and 30 days ago. Both rates have stayed steady over the recent periods. First Technology has a Home Equity rate range of 5% to 8% , unchanged from it was 7, 30, 60, and 90 days ago. Its HELOC rates are 6.75% to 6.88% today, unchanged from 7 and 30 days ago but lower than 30 days ago when the range was 7% to 7.12% . Compared to 60 and 90 days ago, the HELOC rates are slightly higher now.

State Department has a Home Equity loan with an APR range of 5.24% to 8.5% , unchanged from 7 and 30 days ago but higher than 60 and 90 days ago when the top rate was 7.75% . Their HELOC rate is steady at 6.25% with no changes over the past 7, 30, 60, or 90 days. Ascend's Home Equity loan has a minimum APR of 5.25% today, with a range from 5.25% to 8% . This is the same as 7 days ago but higher than 30 days ago, when the minimum was 5% . The HELOC product shows no change in its APR range of 6.75% to 8.75% compared to 7, 30, 60, and 90 days ago.

Fortera's Home Equity loan APR stays the same at 5.49% to 9.49% compared to 7, 30, and 60 days ago. The HELOC APR is 6.75% to 9.25% today, unchanged from 7, 60, and 90 days ago, but the 30–day range was lower at 6.75% to 8.5% . Both products show stable rates over the past few months. Affinity Plus has a Home Equity rate range of 5.9% –6.39% today, unchanged from 7 and 60 days ago but higher than 30 days ago. The HELOC rate is 6.22% , steady from 7 and 60 days ago and up from 30 days ago. Solar loans match the Home Equity range and show the same pattern. Improvement loans have a rate range of 7.66% –8.47% , also unchanged from 7 and 60 days ago but up from 30 days ago.

Baxter has a HELOC with a 6% APR today, unchanged from 7, 30, and 60 days ago. Their Home Equity loan has a 6.75% APR now, also unchanged from the past 7, 30, and 60 days. Both rates have stayed steady over the last two months. Nasa has a Home Equity loan with an APR range of 6% to 8.75% , unchanged from it was 7, 30, 60, and 90 days ago. Their HELOC rate is 6.Both rates have stayed steady over the past few months. University has a HELOC with an APR range of 6.25% to 17.74% today. This rate is the same as it was 7, 30, and 60 days ago but higher than 90 days ago, when the minimum APR was 5.99% .

Dupaco Community has a HELOC with an APR range of 6.25% to 6.75% today, unchanged from 7 and 30 days ago. The rate is up from 6.25% thirty days ago but lower than the wide range seen 60 and 90 days ago.

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