Home Equity Loans in San Francisco, CA

Looking to tap into your San Francisco home's equity? Compare today’s HELOC interest rates from local lenders who understand the Bay Area market. Whether it’s for home upgrades or unexpected expenses, finding the right rate can save you money and stress.

San Francisco homeowners deserve flexible, transparent loan options with quick approvals. Explore competitive offers tailored to your neighborhood, so you can unlock funds confidently and start your next project without delay. Your home’s value is waiting — see what you qualify for today.

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% , unchanged from it was 7, 30, 60, and 90 days ago. Its HELOC rates are 6.75% to 6.88% today, unchanged from 7 and 30 days ago but lower than 30 days ago when the range was 7% to 7.12% . Compared to 60 and 90 days ago, the HELOC rates are slightly higher now. 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. Their Home Equity loan has 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 San Francisco, CA

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

If you’re searching for HELOC interest rates today in San Francisco, CA, it pays to explore multiple lenders on LendMesh. Comparing options helps you find better deals and potentially lower rates tailored to your financial needs. Take your time to review terms and offers, so you can confidently unlock your home’s value with a loan that works best for you.

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