Home Equity Loans in El Paso, TX

If you’re in El Paso, TX, and considering a home equity line of credit, it’s smart to compare offers from trusted local banks. Finding the right lender means getting competitive rates and terms tailored to your needs, whether you’re renovating or managing debt.

Local banks understand the El Paso community and offer quick, friendly service to help you unlock your home’s value. Take a moment to explore your options and choose a HELOC that fits your goals with confidence and ease.

Filters

Lender
APR
Term
Max Amount
CLTV
Link
Info
texasbaycu
5.34 - 8.24 %
30 Yrs
80 %
∞
gcefcu
5.49 %
20 Yrs
80 %
∞
itcu
5.5 %
5 - 20 Yrs
70 %
∞
abileneteachersfcu
5.5 - 8.5 %
20 Yrs
∞
fccu
5.59 - 11.25 %
5 - 20 Yrs
90 %
∞
rbfcu
5.625 - 7.75 %
4 - 30 Yrs
80 %
∞
smartcu
5.74 - 7.99 %
5 - 20 Yrs
80 %
∞
texanscu
5.79 - 6.75 %
5 - 20 Yrs
∞
ssfcu
5.99 - 7.155 %
20 Yrs
80 %
∞
affinityplus
6 - 6.218 %
10 Yrs
90 %
∞

Today’s Home Equity Loan Rates & Analysis - Updated on 2026-SEP-14

Credit Union Loan Rates - Trends & Analysis:

Texas Bay has a Home Equity rate range of 5.34% to 6.94% today, unchanged from 30 and 60 days ago but higher than 7 days ago when the top rate was 6.64% . Its HELOC rates remain steady at 7.74% to 18% compared to 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.

Abilene Teachers has a Home Equity loan with an APR range of 5.5% to 8.5% 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 Community has a Home Equity APR range of 5.59% to 8.09% , unchanged from 7, 30, and 60 days ago. Its Improvement loan rates hold steady at 6.09% to 8.34% , with no change over the past two months. The HELOC APR range is 9.5% to 11.25% , also unchanged from 7, 30, and 60 days ago.

Randolph Brooks has a Home Equity loan with rates ranging from 5.38% to 7.5% today, unchanged from 7 and 30 days ago but higher than 60 and 90 days ago. Their HELOC rate is steady at 6.25% , the same as it was 7, 30, and 60 days ago. Smart Financial's Home Equity rates today range from 5.74% to 7.99% , which is higher than 7 days ago when they were 5.49% to 8.18% . Compared to 30 days ago, the minimum rate is slightly lower but the maximum rate is down. The rates are up from 60 days ago on the low end but lower on the high end, and both ends are higher than 90 days ago.

Texans has a Home Equity rate range of 5.79% to 6.64% today, unchanged from 7 and 30 days ago but slightly lower than 60 days ago. Their Improvement loan shares the same range and is steady compared to 7 and 30 days ago, though it was higher 60 days ago. The HELOC rate is 6.75% today and has stayed the same over the past 7, 30, and 60 days. Security Service has a HELOC rate at 5.99% today, unchanged from 7, 30, and 60 days ago. Its Home Equity loan rate is between 7.02% and 7.16% , unchanged from 7 and 30 days ago but slightly higher than 60 days ago when it ranged from 6.99% to 7.14% .

Affinity Plus has a Home Equity rate range of 5.9% –6.39% today, unchanged from 7 and 30 days ago but higher than 30, 60, and 90 days ago when it was 5.49% –6.24% . The Solar loan rate is the same as Home Equity, also steady from 7 days ago and up from 30 and 60 days ago. Their HELOC rate is 6.22% , unchanged from 7 and 30 days ago but up from 6% at 30 and 60 days.

🏦 Local Lenders in El Paso, TX

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🏘️ All the Lenders Available in El Paso County, TX

✅FIRSTLIGHT FEDERAL CREDIT UNION
✅EVOLVE FEDERAL CREDIT UNION
✅GECU FEDERAL CREDIT UNION
✅RAIZ FEDERAL CREDIT UNION
✅CHEVRON FEDERAL CREDIT UNION
✅NUSENDA FEDERAL CREDIT UNION
✅NAVY FEDERAL CREDIT UNION FEDERAL CREDIT UNION
✅WHITE SANDS FEDERAL CREDIT UNION
✅SECURITY SERVICE FEDERAL CREDIT UNION
✅MOUNTAIN STAR FEDERAL CREDIT UNION
✅UNIFY FINANCIAL FEDERAL CREDIT UNION
✅ONE SOURCE FEDERAL CREDIT UNION

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Why compare Home Equity Loans in El Paso, TX on LendMesh

If you’re exploring the best bank for a home equity line of credit in El Paso, TX, it pays to keep comparing your options. LendMesh lets you easily browse multiple lenders side by side, helping you spot better rates and more flexible terms without any pressure. Taking the time to review different offers ensures you find a deal that fits your needs and budget perfectly.

Stay informed and ahead of the market by subscribing to LendMesh’s personalized alerts. Simply set your target rate—say 4% or 5%—and we’ll notify you as soon as offers dip below that number. With weekly or monthly updates packed with expert insights, rate trends, and curated loan deals, you’ll have everything you need to make confident borrowing decisions in El Paso.

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