Home Equity Loans in Fremont, CA

Looking for the best HELOC interest rates in Fremont, CA? Compare home equity loan offers tailored to your needs and find flexible options that fit your budget. Whether you’re planning renovations or consolidating debt, smart choices start here.

Fremont homeowners trust local lenders who understand the community and provide fast, friendly service. Unlock your home's value with confidence by exploring competitive rates and terms designed to help you achieve your goals.

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 Fremont, CA

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

🏘️ All the Lenders Available in Alameda County, CA

✅SEA WEST COAST GUARD FEDERAL CREDIT UNION
✅1ST UNITED CREDIT UNION
✅PROVIDENT 66343 CREDIT UNION
✅BAY CITIES CREDIT UNION
✅TECHNOLOGY CREDIT UNION
✅PATELCO CREDIT UNION
✅CITIZENS EQUITY FIRST CREDIT UNION
✅NUVISION FEDERAL CREDIT UNION
✅SANDIA LABORATORY CREDIT UNION
✅UNCLE CREDIT UNION
✅KEYPOINT CREDIT UNION
✅SMW 104 FEDERAL CREDIT UNION
✅OPERATING ENGINEERS LOCAL UNION 3 CREDIT UNION
✅PACIFIC SERVICE CREDIT UNION
✅THE POLICE CREDIT UNION
✅PUBLIC EMPLOYEES 64390 CREDIT UNION
✅SELFHELP CREDIT UNION
✅ILWU CREDIT UNION
✅UTILITY DISTRICT CREDIT UNION
✅UNIFY FINANCIAL FEDERAL CREDIT UNION
✅MATSON EMPLOYEES FEDERAL CREDIT UNION
✅THE GOLDEN 1 CREDIT UNION
✅PACIFIC POSTAL CREDIT UNION
✅INOVA CREDIT UNION
✅BLUPEAK CREDIT UNION

Compare other loan types in Fremont, CA

Why compare Home Equity Loans in Fremont, CA on LendMesh

If you’re exploring HELOC interest rates in Fremont, CA, taking the time to compare multiple lenders on LendMesh can help you uncover better deals and more affordable options tailored to your needs. Browsing through different offers allows you to find the right balance of rates and terms without feeling rushed. Empower your decision with a little extra research and see how much you could save on your home equity line of credit.

Stay informed effortlessly by subscribing to LendMesh’s alert service. Simply share your target HELOC rate—whether it’s 5% or 4%—and we’ll notify you as soon as offers drop below that threshold. Choose weekly or monthly updates packed with expert insights, rate trends, and carefully selected loan deals, all sent directly to your inbox. Join other Fremont homeowners who trust LendMesh to keep them ahead of the market and ready to act when the best opportunities arise.

Customers are also interested in:

Heloc Interest