Home Equity Loans in San Francisco, CA

Looking for the lowest APR home equity loans in San Francisco, CA? Compare local offers to find flexible rates and terms that fit your budget. Whether you’re consolidating debt or funding a home project, you can unlock your home's value with confidence and ease.

San Francisco homeowners trust local lenders who understand the community and offer fast, friendly service. Start comparing today to secure a great rate and enjoy expert guidance every step of the way—helping you make the most of your home’s equity.

Filters

Lender
APR
Term
Max Amount
CLTV
Link
Info
affinityfcu
6.63 %
10 - 30 Yrs
80 %
∞
usccreditunion
6.65 %
10 - 15 Yrs
80 %
∞
figfcu
6.74 - 6.99 %
20 Yrs
100 %
∞
kinecta
6.74 - 7.625 %
85 %
∞
sesloc
6.74 - 8.99 %
5 - 20 Yrs
∞
americaschristiancu
6.75 %
80 %
∞
cefcu
6.75 %
5 - 15 Yrs
90 %
∞
penfed
6.75 %
85 %
∞
valleyfirstcu
6.75 %
10 - 15 Yrs
∞
hondafcu
6.75 - 7.25 %
5 - 20 Yrs
100 %
∞

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

Credit Union Loan Rates - Trends & Analysis:

Affinity has a HELOC with a minimum APR of 6.63% today, unchanged from 7, 30, and 60 days ago. This rate is higher than the range from 90 days ago, which was 4.99% to 6.63% . The rate has stayed steady recently after rising from the lower end of the range seen three months back. Usc has a HELOC with a minimum APR of 6.65% today. This rate has stayed the same compared to 7, 30, 60, and 90 days ago. There has been no change in the APR for this product over the past three months.

Farmers Insurance has a HELOC with a minimum APR of 6.74% , unchanged from 7, 30, 60, and 90 days ago. Their Home Equity loan shows a minimum APR of 6.99% , also steady compared to the same time frames. The 30–day ranges for both products were higher before, but today's rates remain at the lower end of those ranges. Kinecta has a HELOC with an APR range of 5.99% to 7.62% , unchanged from 7, 30, and 60 days ago but higher than 90 days ago. Their Home Equity loan has a 6.74% APR today, unchanged from 7 and 30 days ago but lower than it was 60 and 90 days ago.

Sesloc has a HELOC with an APR range of 6.74% to 8.99% today. This rate is the same as it was 7 and 30 days ago but higher than the 60 and 90 days ago range, which was 6.74% to 8.74% . The minimum APR remains steady at 6.74% . America'S Christian has a HELOC with a minimum APR of 6.75% today. This rate is the same as it was 7, 30, and 60 days ago. The 90–day range was wider, from 6.75% to 14.75% . Citizens Equity First has a HELOC with a minimum APR of 6.75% today. This rate is the same as it was 7 days ago and lower than the range from 30, 60, and 90 days ago, which was 6.75% to 18% . The rate has stayed steady over the past week but is at the low end compared to earlier months.

Pentagon has a HELOC with a minimum APR of 6.75% today, unchanged from it was 7, 30, and 60 days ago. The 90–day range remains wider, from 6.75% to 18% , showing no change in the minimum rate over that period. Valley First has a HELOC with a minimum APR of 6.75% today, unchanged from 7, 30, and 60 days ago. This rate is higher than the range from 90 days ago, which was 4.99% to 18% . Honda has a HELOC with a 6.75% APR today, unchanged from 7 and 30 days ago. Its Home Equity loan shows a 7.25% APR now, also unchanged from a week ago. Both rates have held steady over the past week.

🏦 Local Lenders in San Francisco, CA

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

🏘️ All the Lenders Available in San Francisco County, CA

✅PASADENA FEDERAL CREDIT UNION
✅THE POLICE CREDIT UNION
✅SAN FRANCISCO LEE FEDERAL CREDIT UNION
✅NORTHEAST COMMUNITY 23780 CREDIT UNION
✅PROVIDENT 66343 CREDIT UNION
✅SELFHELP CREDIT UNION
✅PATELCO CREDIT UNION
✅DELANCEY STREET FEDERAL CREDIT UNION
✅SAN FRANCISCO FEDERAL CREDIT UNION
✅REDWOOD CREDIT UNION
✅SAN FRANCISCO FIRE CREDIT UNION
✅ILWU CREDIT UNION
✅PACIFIC POSTAL CREDIT UNION
✅POLAM 21502 CREDIT UNION
✅JONES METHODIST CHURCH CREDIT UNION
✅THE GOLDEN 1 CREDIT UNION

Compare other loan types in San Francisco, CA

Why compare Home Equity Loans in San Francisco, CA on LendMesh

If you’re searching for the lowest APR home equity loan in San Francisco, CA, it pays to keep exploring your options. LendMesh makes it easy to compare lenders side by side, helping you uncover better deals and more affordable rates without any pressure. Take your time and find the loan that best fits your financial goals and home’s value.

Stay informed and ahead of the market by subscribing to LendMesh’s personalized alerts. Simply set your target APR—whether it’s 5% or 4%—and receive timely notifications when loan offers fall below your desired rate. With weekly or monthly updates featuring expert insights and carefully selected deals, San Francisco homeowners like you can confidently secure the best home equity loan options available.

Customers are also interested in:

Lowest Apr Home Equity Loan