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If you’re a homeowner in Moraine, OH, looking to unlock your home’s value, comparing home equity loan offers is a smart first step. Finding the right loan can help with everything from home improvements to consolidating debt—all with terms that fit your budget.
Local lenders in Moraine understand the community and offer friendly service with quick funding options. By comparing offers, you can secure a loan that balances low rates and flexible repayment, making it easier to achieve your financial goals while supporting neighbors who care.
Today’s Home Equity Loan Rates & Analysis - Updated on 2026-OCT-01
Credit Union Loan Rates - Trends & Analysis:
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. First Technology's Home Equity loan APR ranges from 5.37% to 8.29% today, which is up slightly from 7 days ago and higher than the rates from 30, 60, and 90 days ago. The HELOC APR is between 7% and 7.12% , unchanged from 7 and 60 days ago but up compared to 30 and 90 days ago.
Digital's Home Equity loan rates today range from 5.44% to 7.75% , which is up from 5.25% to 6.75% seven days ago and higher than 5% to 6.5% thirty days ago. Compared to 60 and 90 days ago, the rates are lower since those were 6.99% to 7.74% . The HELOC rates are 6.25% to 7.75% today, unchanged from seven days ago but up from 6% to 7.5% thirty days ago. These HELOC rates are lower than the 6.75% to Together's Home Equity loan APR today ranges from 5.75% to 8.55% , which is lower than the 7.12% rate seen 7, 30, 60, and 90 days ago. The HELOC APR remains steady between 4.99% and 5.03% , unchanged from the past 7, 30, 60, and 90 days.
Clearview has a HELOC with an APR range of 6% to 6.49% today, unchanged from 7, 30, and 90 days ago. Its Home Equity loan shows an APR range of 6.24% to 7.04% , also unchanged from 7, 30, and 90 days ago. Both products have steady rates over the past three months. 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% .
Affinity Plus has a Home Equity APR range of 6.15% to 6.65% today, which is up from 5.9% to 6.39% seven and thirty days ago but higher than 60 days ago. The HELOC rate is 6.47% now, also up from 6.22% a week and a month ago and above the 6% rate from 60 days back. The Improvement loan's APR range is 7.91% to 8.72% , rising from 7.66% to 8.47% seven and thirty days ago and above the 7.24% Dupaco Community has a HELOC with a minimum APR of 6.25% today. This rate is the same as it was 7 and 60 days ago, and lower than the 30–day range of 6.25% to 6.75% . Compared to 90 days ago, the current rate is at the low end of a wider range that went up to 21% .
Kemba Financial has a HELOC with an APR range of 6.25% to 7.24% today. This rate is the same as it was 7 and 30 days ago but higher than the 6.25% to 6.49% range seen 60 and 90 days ago. The upper end of the range has increased since then, while the minimum rate has stayed steady. Directions has a HELOC with an APR range of 6.25% to 6.75% today, unchanged from 7, 30, 60, and 90 days ago. Their Home Equity loan shows an APR range of 7.75% to 8.25% , also unchanged from the past 90 days. Both products have steady rates over this period.