Home Equity Loans in San Francisco, CA

Discover the best home equity loans in San Francisco, CA, tailored to help you fund your next big project or consolidate debt with ease. Compare top local lenders offering competitive rates and flexible terms designed for Bay Area homeowners like you.

Take control of your home’s value today and find fast, friendly loan options that fit your financial goals. Whether you’re remodeling or managing expenses, San Francisco’s trusted lenders are ready to guide you every step of the way.

Filters

Lender
APR
Term
Max Amount
CLTV
Link
Info
affinityfcu
6.63 %
10 - 30 Yrs
80 %
∞
gosunward
6.697 %
20 Yrs
95 %
∞
figfcu
6.74 - 6.99 %
20 Yrs
100 %
∞
americaschristiancu
6.75 %
80 %
∞
cefcu
6.75 %
5 - 15 Yrs
90 %
∞
penfed
6.75 %
10 - 20 Yrs
85 %
∞
valleyfirstcu
6.75 %
10 - 15 Yrs
∞
bcu
6.75 - 7 %
∞
hondafcu
6.75 - 7.25 %
5 - 20 Yrs
100 %
∞
orangecountyscu
6.75 - 7.5 %
10 - 20 Yrs
∞

Today’s Home Equity Loan Rates & Analysis - Updated on 2026-SEP-20

Credit Union Loan Rates - Trends & Analysis:

Affinity has a HELOC with a minimum APR of 6.63% today. This rate has stayed the same compared to 7, 30, 60, and 90 days ago. There has been no change in the APR over the past three months. Sandia Laboratory's Home Equity loan has a today's APR of 6.7% . This rate is the same as 7 and 90 days ago but higher than it was 30 and 60 days ago, when it was 6.5% . Farmers Insurance has a HELOC with a 6.74% APR today, unchanged from 7 and 30 days ago but lower than the 60–day range of 6.74% to 7.74% . Their Home Equity loan shows a 6.99% APR now, steady from 7 and 30 days ago and also below the 60–day range of 6.99% to 7.99% . Both rates have stayed the same over the past 90 days.

America'S Christian has a HELOC with an APR of 6.75% today. This rate is the same as it was 7, 30, 60, and 90 days ago. The APR has stayed steady over the past three months. Citizens Equity First has a HELOC with a minimum APR of 6.75% today. This rate is the same as it was 7, 30, 60, and 90 days ago. There has been no change in the APR for this product over the past three months. Pentagon's HELOC has an APR range of 6.75% to 18% today, unchanged from 7 and 90 days ago. The rate is higher than 30 and 60 days ago, when the APR was a flat 6.75% .

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% . Baxter has a HELOC with a 6.75% APR today, which is up from 6% over the past 7, 30, 60, and 90 days. Their Home Equity loan rate is 7% now, higher than the 6.75% it was at 7, 30, 60, and 90 days ago. Honda has a HELOC with an APR of 6.75% today, unchanged from it was 7, 30, and 60 days ago. Their Home Equity loan shows a 7.25% APR now, also unchanged from the past 7, 30, and 60 days. Both rates have stayed steady over the last two months.

Orange County'S HELOC has a minimum APR of 6.75% today, unchanged from 7 and 30 days ago but lower than 60 and 90 days ago when it was 6.88% . Its Home Equity loan rates remain steady at 7.12% to 7.5% , with no change over the past 90 days.

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