Home Equity Loans in Austin, TX

Looking for the best home equity loan rates in Austin, TX? Compare offers from trusted local lenders to find flexible terms and competitive rates that fit your budget. Whether you’re planning a remodel or consolidating debt, now’s a great time to tap into your home’s value.

Austin homeowners count on personalized service and fast funding from community lenders who understand your needs. Explore your options today and make confident financial decisions with support right here in Texas.

Filters

Lender
APR
Term
Max Amount
CLTV
Link
Info
myncu
4.54 - 5.54 %
5 Yrs
50 %
∞
etpcu
4.75 - 9.75 %
20 Yrs
80 %
∞
firsttechfed
5 - 8 %
20 Yrs
∞
atfcu
5.14 - 6.74 %
5 - 30 Yrs
∞
aplusfcu
5.24 - 6.49 %
5 - 30 Yrs
80 %
∞
sdfcu
5.24 - 8.5 %
20 Yrs
90 %
∞
texasbaycu
5.34 - 6.64 %
5 - 30 Yrs
80 %
∞
rbfcu
5.375 - 7.5 %
4 - 30 Yrs
∞
gcefcu
5.49 %
20 Yrs
80 %
∞
itcu
5.5 %
5 - 20 Yrs
70 %
∞

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

Credit Union Loan Rates - Trends & Analysis:

Neighborhood has a Home Equity rate range of 4.54% to 5.54% 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 is 4.54% , matching the recent history exactly. East Texas Professional has a Home Equity rate range of 4.75% to 7% today, unchanged from 7, 30, and 90 days ago, and the minimum rate matches the 60–day rate of 4.75% . Their HELOC rates are between 6.75% and 9.75% , unchanged from both 7 and 30 days ago.

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. Austin Telco has a Home Equity loan with an APR range of 5.14% to 6.74% today. This rate range 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.

A+ has a Home Equity loan with an APR range of 5.24% to 6.49% , unchanged from it was 7, 30, and 60 days ago. Their HELOC rate is steady at 6.24% today, unchanged from the past 7, 30, and 60 days as well. Both products show no rate changes over these time periods. 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.

Texas Bay has a Home Equity loan with an APR range of 5.34% to 6.64% today. This rate is the same at the low end but lower at the high end compared to 7 and 30 days ago, when the range was 5.34% to 6.94% . The rate has gone down from those earlier periods. Randolph Brooks has a Home Equity rate range of 5.38% to 7.5% today, unchanged from 7 and 30 days ago but higher than 30 and 60 days ago. Its HELOC rate is steady at 6.25% , unchanged from 7, 30, and 60 days ago.

Gulf Coast Educators has a Home Equity loan with an APR of 5.49% today. This rate is the same as it was 7, 30, 60, and 90 days ago. The APR has not changed over the past three months. Intouch has a Home Equity loan with a 5.5% APR today. This rate is the same as it was 7, 30, 60, and 90 days ago. The APR has not changed over the past three months.

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✅NIZARI PROGRESSIVE FEDERAL CREDIT UNION

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Why compare Home Equity Loans in Austin, TX on LendMesh

If you’re exploring current equity loan rates in Austin, TX, it’s wise to keep comparing offers on LendMesh. Different lenders have varying rates and terms, so taking a little extra time to review multiple options can help you find a deal that truly fits your financial goals. There’s no rush—finding the right equity loan means finding the right balance of cost and flexibility for your needs.

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