Home Equity Loans in Half Moon Bay, CA

Looking to refinance your HELOC in Half Moon Bay, CA? Compare offers from trusted local lenders to find the best rates and terms that fit your budget. Whether you’re renovating or consolidating debt, there’s a smart option waiting for you.

Tap into your home’s equity with confidence. Local experts in Half Moon Bay understand your needs and can guide you through simple, fast refinancing—helping you fund your next project while keeping your finances healthy.

Filters

Lender
APR
Term
Max Amount
CLTV
Link
Info
ccu
4 - 12 %
10 - 20 Yrs
∞
pacificservice
4.99 - 9.99 %
15 Yrs
90 %
∞
firsttechfed
5 - 8 %
20 Yrs
∞
sdfcu
5.24 - 8.5 %
20 Yrs
90 %
∞
1stunitedcu
5.5 - 6.556 %
10 Yrs
80 %
∞
affinityplus
5.898 - 8.468 %
5 - 15 Yrs
90 %
∞
bcu
6 - 6.75 %
∞
nasafcu
6 - 8.75 %
5 - 20 Yrs
95 %
∞
sffirecu
6.25 %
15 Yrs
80 %
∞
university-credit-union
6.25 %
10 - 20 Yrs
80 %
∞

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

Credit Union Loan Rates - Trends & Analysis:

California has a HELOC with an APR range of 4% to 12% today. This is lower than the 5.99% to 9.25% range from 7, 30, 60, and 90 days ago. The rates have dropped compared to all those past periods. Pacific Service has a Home Equity loan with an APR range of 4.99% to 9.99% today, unchanged from it was 7, 30, 60, and 90 days ago. Their HELOC rates are between 6.75% and 8.75% , also unchanged over the past 90 days. Both products show steady rates with no increases or decreases recently.

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.

1St United has a HELOC rate of 5.5% today, unchanged from it was 7, 30, 60, and 90 days ago. Their Home Equity loan rate is 6.56% today, unchanged from 7, 30, and 60 days ago but lower than 90 days ago when it was 6.86% . 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. 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. San Francisco Fire has a Home Equity loan with an APR of 6.25% today. This rate is the same as it was 7, 30, and 60 days ago. There has been no change in the APR for this product over the past two 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% .

🏦 Local Lenders in Half Moon Bay, CA

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

🏘️ All the Lenders Available in San Mateo County, CA

✅PROVIDENT 66343 CREDIT UNION
✅OPERATING ENGINEERS LOCAL UNION 3 CREDIT UNION
✅SAN FRANCISCO FEDERAL CREDIT UNION
✅UPWARD CREDIT UNION
✅EAST COUNTY SCHOOLS FEDERAL CREDIT UNION
✅SRI FEDERAL CREDIT UNION
✅MONTERRA CREDIT UNION
✅PATELCO CREDIT UNION
✅UNIFY FINANCIAL FEDERAL CREDIT UNION
✅THE POLICE CREDIT UNION
✅FINANCIAL PARTNERS 68457 CREDIT UNION
✅STANFORD FEDERAL CREDIT UNION
✅POLAM 21502 CREDIT UNION
✅PREMIER ONE CREDIT UNION
✅AMERICAN AIRLINES FEDERAL CREDIT UNION
✅SAN MATEO CITY EMPLOYEES FEDERAL CREDIT UNION

Compare other loan types in Half Moon Bay, CA

Why compare Home Equity Loans in Half Moon Bay, CA on LendMesh

If you're exploring refinance HELOC options in Half Moon Bay, CA, keep comparing lenders on LendMesh to uncover competitive rates and terms that fit your needs. Taking a little extra time now can help you find more affordable solutions and flexible offers, empowering you to make the best financial decision for your home and future.

Subscribe to LendMesh for personalized rate alerts tailored to your target, whether it’s 4%, 5%, or another goal. Receive timely updates, expert insights, and curated loan deals right in your inbox—weekly or monthly. Join other Half Moon Bay borrowers who trust LendMesh to stay informed and seize the best refinance HELOC opportunities as they arise.

Customers are also interested in:

Refinance Heloc