Home Equity Loans in San Jose, CA

Looking to tap into your San Jose home’s equity? Comparing HELOC offers from local banks helps you find the best rates and terms to fit your needs. Whether it’s remodeling or managing debt, a flexible home equity loan can make your goals a reality.

San Jose homeowners deserve lenders who understand the local market and offer quick, clear guidance. Explore your options to unlock funds with confidence, backed by trusted, community-focused banks ready to support your financial journey.

Filters

Lender
APR
Term
Max Amount
CLTV
Link
Info
navyfederal
7.34 %
5 Yrs
70 %
∞
safecu
7.375 - 10.54 %
10 - 15 Yrs
80 %
∞
redwoodcu
7.49 - 8.99 %
5 - 15 Yrs
85 %
∞
lbsfcu
7.75 - 7.99 %
10 - 20 Yrs
80 %
∞
alturacu
8.027 - 8.83 %
∞

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

Credit Union Loan Rates - Trends & Analysis:

Navy Federal Credit Union has a Home Equity loan with an APR of 7.34% today. This rate is the same as it was 7, 30, 60, and 90 days ago. There has been no change in the APR over the past three months. Safe has a Home Equity loan with an APR range of 7.38% to 10.54% today. Redwood's Home Equity rates are 7.49% to 8.99% today, the same as 7 and 30 days ago but slightly lower than 60 days ago. The HELOC rates are 7.5% to 8.5% , down from 8% to 8.5% both 7 and 30 days ago.

Lbs Financial has a HELOC with an APR of 7.75% , unchanged from it was 7, 30, and 60 days ago. Their Home Equity loan shows an APR of 7.99% , unchanged from 7, 30, 60, and 90 days ago. Both rates have stayed steady over the past few months. Altura's HELOC rate is 8.03% today, unchanged from 7 and 30 days ago but slightly higher than 60 and 90 days ago when it was 8% . The Home Equity rate is 8.83% , down from 8.89% a week ago but up from 8.68% thirty days ago and higher than 60 and 90 days ago.

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

If you're searching for the best bank for a HELOC in San Jose, CA, it pays to keep exploring your options. LendMesh makes it easy to compare multiple lenders side-by-side, helping you find deals that suit your needs and budget. Taking a little extra time to review different offers can uncover more competitive rates and better terms, so you feel confident in your choice.

Stay ahead with LendMesh’s subscription service tailored for San Jose borrowers. Simply set your ideal rate, and we’ll alert you when offers fall below that target. Choose weekly or monthly updates packed with expert insights, market trends, and curated loan opportunities—delivered directly to your inbox. Join thousands of savvy borrowers using LendMesh to unlock smart home financing without the hassle.

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