Home Equity Loans in Dayton, OH

Looking to tap into your Dayton home's equity? Comparing local HELOC lenders can help you find the best rates and flexible terms tailored to your needs. Whether you’re planning renovations or consolidating debt, there’s a smart solution waiting for you right here in Ohio.

Dayton homeowners trust lenders who understand the community and offer clear guidance without the hassle. Explore your options today to access funds quickly and confidently, all while supporting local businesses that care about your financial goals.

Filters

Lender
APR
Term
Max Amount
CLTV
Link
Info
firsttechfed
5 - 8 %
20 Yrs
∞
sdfcu
5.24 - 8.5 %
20 Yrs
90 %
∞
affinityplus
5.898 - 8.468 %
5 - 15 Yrs
90 %
∞
bcu
6 - 6.75 %
∞
clearviewfcu
6 - 7.04 %
5 - 20 Yrs
80 %
∞
nasafcu
6 - 8.75 %
5 - 20 Yrs
95 %
∞
university-credit-union
6.25 %
10 - 20 Yrs
80 %
∞
kemba
6.25 - 7.24 %
80 %
∞
veridiancu
6.25 - 8 %
∞
directionscu
6.25 - 8.25 %
10 Yrs
90 %
∞

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

Credit Union Loan Rates - Trends & Analysis:

First Technology has a Home Equity rate range of 5% to 8% today, unchanged from 7 and 30 days ago but slightly lower than 60 days ago. Its HELOC rates are 6.75% to 6.88% today, unchanged from 7 and 30 days ago but down from 7% to 7.12% 30 days ago and up from 6.62% to 6.75% 60 days ago. 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.

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. Its Home Equity loan shows 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.

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% , 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% .

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. 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.

Directions has a HELOC with an APR range of 6.25% to 6.75% today, unchanged from 7, 30, 60, and 90 days ago. Its 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.

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