Home Equity Loans in San Francisco, CA

Looking to tap into your San Francisco home’s equity? Whether you’re planning a remodel or need extra cash, comparing local loan offers helps you find the best rates and terms tailored to your needs.

San Francisco homeowners trust local lenders for fast, flexible home equity loans and lines of credit. Explore your options today to secure funding that supports your goals with confidence and ease.

Filters

Lender
APR
Term
Max Amount
CLTV
Link
Info
safe1
6.25 - 7 %
10 - 20 Yrs
100 %
veridiancu
6.25 - 8 %
partnersfcu
6.25 - 9.08 %
20 Yrs
80 %
myconsumers
6.25 - 9.75 %
5 - 20 Yrs
80 %
certifiedfed
6.375 - 6.77 %
0.8 - 15 Yrs
80 %
coastccu
6.5 %
10 - 15 Yrs
sierracentral
6.5 - 7.5 %
5 - 15 Yrs
85 %
jfcu
6.5 - 9.25 %
20 Yrs
89 %
starone
6.5 - 11.5 %
20 Yrs
gosunward
6.5 - 14.75 %
20 Yrs
95 %

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

Credit Union Loan Rates - Trends & Analysis:

Safe 1 has a HELOC with a 6.25% APR today, unchanged from 7, 30, 60, and 90 days ago. Its Home Equity loan shows a range from 6.5% to 7% APR, also unchanged from the past 7, 30, 60, and 90 days. Both products have steady rates over the last three months. Veridian's HELOC has an APR range of 6.25% to 8% today. This rate is the same as it was 7 days ago, 30 days ago, and 60 days ago. The rates have stayed steady over the past two months. Partners has a HELOC rate range of 6.25% to 6.5% today, unchanged from it was 7, 30, and 60 days ago. Their Home Equity loan rates are 8.08% to 9.08% now, up slightly from 8.04% to 9.14% seven days ago and higher than 7.9% to 8.93% thirty days ago. The Home Equity rates have also risen compared to 60 and 90 days ago.

Consumers has a HELOC with an APR range of 6.25% to 9.75% today. This rate is the same as it was 7 and 30 days ago but higher than the range from 60 and 90 days ago, which was 4% to 21% . Certified has a Home Equity loan with rates ranging from 6.38% to 6.77% today, which is lower than the 6.38% to 6.98% range seen 7, 30, and 60 days ago. Their HELOC rate is steady at 6.75% , unchanged from 7, 30, and 60 days ago. Coast Central has a Home Equity loan with an APR of 6.5% today. This rate is the same as it was 7 and 30 days ago. There has been no change in the APR over the past month.

Sierra Central's Home Equity rates are 6.5% to 6.76% today, unchanged from 7 and 30 days ago but higher than 60 days ago. The HELOC rates are 7.25% to 7.5% , steady from 7 days ago but lower than both 30 and 60 days ago. Justice has a HELOC with an APR range of 6.5% to 6.75% , unchanged from 7, 30, 60, and 90 days ago. Its Home Equity loan shows a range of 7.25% to 9.25% today, with the top end higher than 7 days ago when it was 8.5% , but unchanged from 30 and 90 days ago.

Star One's Home Equity rates are 6.5% to 11.5% today, unchanged from 7, 30, and 60 days ago but lower than 90 days ago. The HELOC rate is 6.75% , steady from 7 days ago and down from the 6.75% to 18% range 30 days ago. Sandia Laboratory has a Home Equity rate at 6.5% , unchanged from 7, 30, and 60 days ago. Its HELOC rate today ranges from 7% to 15.25% , up from 6.5% to 14.75% 30 days ago and 6.5% to 15.25% 60 days ago, but unchanged from 90 days ago.

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If you’re exploring home equity options in San Francisco, CA, taking the time to compare multiple lenders can reveal better rates and more flexible terms tailored to your needs. LendMesh makes it easy to browse and evaluate offers side-by-side, helping you find the smartest loan for your goals without feeling rushed or pressured. Keep comparing to unlock your home’s value with confidence.

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