Home Equity Loans in Memphis, TN

Looking to tap into your Memphis home's value? Local credit unions offer some of the best home equity loan rates with friendly service tailored to our community’s needs. Comparing your options helps you find the right fit for your budget and goals.

Whether planning a renovation, debt consolidation, or big purchase, Memphis credit unions provide flexible terms and fast funding. Start comparing today to see how easy and affordable unlocking your home’s equity can be right here in Tennessee.

Filters

Lender
APR
Term
Max Amount
CLTV
Link
Info
listerhill
4 %
10 - 20 Yrs
∞
firsttechfed
5 - 8 %
20 Yrs
∞
sdfcu
5.24 - 8.5 %
20 Yrs
90 %
∞
dcu
5.25 - 7.75 %
20 Yrs
50 %
∞
forteracu
5.49 - 9.49 %
20 Yrs
80 %
∞
ascend
5.5 - 8.75 %
15 Yrs
∞
affinityplus
5.898 - 8.468 %
5 - 15 Yrs
90 %
∞
nasafcu
6 - 8.75 %
5 - 20 Yrs
95 %
∞
dupaco
6.25 - 7.24 %
10 Yrs
∞
veridiancu
6.25 - 8 %
∞

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

Credit Union Loan Rates - Trends & Analysis:

Listerhill has a HELOC with a 4% 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. First Technology has a Home Equity rate range of 5% to 8% today, unchanged from 7, 30, and 60 days ago but slightly lower than 90 days ago. Its HELOC rates are between 6.75% and 6.88% now, unchanged from the past 7 and 30 days, down from 7% to 7.12% 60 days ago, and up compared to 90 days ago.

State Department has a Home Equity loan with an APR range of 5.24% to 8.5% , unchanged from it was 7, 30, 60, and 90 days ago. Their HELOC rate is 6.25% , also unchanged over the past 90 days. Both rates have stayed steady during this time. Digital has a Home Equity rate range of 5.25% to 6.75% today, which is up from 5% to 6.5% seven days ago but down from 6.99% to 7.74% thirty and sixty days ago. The HELOC rate range is 6.25% to 7.75% today, also up from 6% to 7.5% a week ago and lower than the 6.75% to 8.49% seen thirty, sixty, and ninety days ago.

Fortera has a Home Equity loan with an APR range of 5.49% to 9.49% today, unchanged from it was 7, 30, 60, and 90 days ago. Their HELOC rates are between 6.75% and 9.25% , also unchanged over the past 7, 30, 60, and 90 days. Both products have steady rates across all these time frames. Ascend's Home Equity loan APR today ranges from 5.5% to 8.25% , which is up from 5.25% to 8% seven and 30 days ago and higher than 5% to 8% sixty days ago. The HELOC APR stays the same at 6.75% to 8.75% compared to the past 7, 30, 60, and 90 days.

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 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% .

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. 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.

🏦 Local Lenders in Memphis, TN

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