Home Equity Loans in Monterey, CA

Looking to tap into your Monterey home's equity? Compare HELOC interest rates from trusted lenders to find the best fit for your budget and goals. Whether it’s for renovations, debt consolidation, or major projects, smart financing starts with a clear comparison.

Monterey homeowners deserve flexible terms and fast funding from lenders who understand our community. Explore your options today and secure a home equity loan or line of credit that helps you make the most of your property’s value with confidence.

Filters

Lender
APR
Term
Max Amount
CLTV
Link
Info
navyfederal
7.34 %
5 Yrs
70 %
∞
safecu
7.375 - 10.54 %
10 - 15 Yrs
80 %
∞
redwoodcu
7.49 - 8.99 %
5 - 15 Yrs
85 %
∞
lbsfcu
7.75 - 7.99 %
10 - 20 Yrs
80 %
∞
alturacu
8.027 - 8.83 %
∞

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

Credit Union Loan Rates - Trends & Analysis:

Navy Federal Credit Union has a Home Equity loan with an APR of 7.34% today. This rate is the same as it was 7, 30, 60, and 90 days ago. There has been no change in the APR over the past three months. Safe has a Home Equity loan with an APR range of 7.38% to 10.54% today. Redwood's Home Equity rates are 7.49% to 8.99% today, the same as 7 and 30 days ago but slightly lower than 60 days ago. The HELOC rates are 7.5% to 8.5% , down from 8% to 8.5% both 7 and 30 days ago.

Lbs Financial has a HELOC with an APR of 7.75% , unchanged from it was 7, 30, and 60 days ago. Their Home Equity loan shows an APR of 7.99% , unchanged from 7, 30, 60, and 90 days ago. Both rates have stayed steady over the past few months. Altura's HELOC rate is 8.03% today, unchanged from 7 and 30 days ago but slightly higher than 60 and 90 days ago when it was 8% . The Home Equity rate is 8.83% , down from 8.89% a week ago but up from 8.68% thirty days ago and higher than 60 and 90 days ago.

🏦 Local Lenders in Monterey, CA

See the full lender directory — hours, services & financials →

🏘️ All the Lenders Available in Monterey County, CA

✅THE GOLDEN 1 CREDIT UNION
✅WESCOM CENTRAL CREDIT UNION
✅NAVY FEDERAL CREDIT UNION FEDERAL CREDIT UNION
✅BAY FEDERAL CREDIT UNION
✅PENTAGON FEDERAL CREDIT UNION
✅MONTEREY CREDIT UNION
✅CORRECTIONS FEDERAL CREDIT UNION

Compare other loan types in Monterey, CA

Why compare Home Equity Loans in Monterey, CA on LendMesh

If you’re in Monterey, CA, exploring HELOC interest rates, it pays to keep comparing lenders on LendMesh. Taking a moment to review multiple offers can help you uncover better deals and potentially save you money. There’s no rush—finding the right loan terms that fit your needs will give you confidence as you unlock your home’s value.

Stay informed effortlessly by subscribing to LendMesh’s alerts tailored for Monterey borrowers. Simply set your target interest rate, and we’ll notify you when offers fall below that mark. Choose weekly or monthly updates packed with expert insights, rate trends, and carefully selected loan deals, all delivered directly to your inbox. Join thousands of smart homeowners staying ahead and making informed decisions with LendMesh.

Customers are also interested in:

Heloc Interest