Home Equity Loans in Albany, NY

Looking for the best home equity loan rates in Albany, NY? Compare offers from trusted local lenders to find flexible options that fit your needs. Whether you’re planning a remodel or consolidating debt, now’s the time to tap into your home’s value with confidence.

Today’s Home Equity Loan Rates & Analysis - Updated on 2025-OCT-10

Credit Union Loan Rates - Trends & Analysis:

Mid–Hudson Valley has a HELOC with an APR of 3.99% today. There is no change compared to 7 and 30 days ago. No other term rates are listed for comparison. Broadview has a HELOC with rates ranging from 3.99% to 5.75% today. This range is lower than 7 days ago and 60 and 90 days ago, when the top rate was 14.9% . Compared to 30 days ago, the current top rate is also lower, dropping from 6.25% to 5.75% . The minimum rate has stayed steady at 3.99% throughout.

Hudson Valley has a HELOC with rates today ranging from 4.5% to 7.5% , which is slightly lower than the 7, 30, 60, and 90 days ago range of 4.5% to 7.75% . Their Home Equity loan shows rates between 6.25% and 7.25% today, unchanged from 7 and 30 days ago, and consistent with the 60 and 90–day ranges. Affinity has a HELOC with an APR range of 4.9% to 7.13% today. This rate is the same as it was 7 days ago and lower than the range from 30 days ago, which was 4.9% to 7.38% .

Consumers has a HELOC with an APR range of 5.24% to 10.25% today. This rate is the same as it was 7 days ago but lower than 30 days ago, when the range was 5.49% to 10.5% . Affinity Plus has a Home Equity loan with an APR range of 5.49% to 6.24% today. This rate is the same as it was 7 and 30 days ago. The top end of the range was higher 60 and 90 days ago, reaching up to 8.24% . Together has a HELOC rate of 5.99% today, unchanged from it was 7, 30, and 60 days ago. Their Home Equity loan rate is 7.12% today, unchanged from 7 and 30 days ago but lower than 60 days ago when it was 7.38% .

Bethpage has a HELOC with rates today at 5.99% to 7.25% , unchanged from 7 and 30 days ago but lower than 30, 60, and 90 days ago when the range was 6.49% to 7.5% . Its Home Equity loan rates are 8.13% to 9.13% today, the same as 7 and 30 days ago but higher than 60 and 90 days ago, which were 7.88% to 8.88% . Empower has a Home Equity loan with an APR range of 6.49% to 7.49% today. This rate is the same as it was 7 and 30 days ago. The rates have stayed steady over the past month.

Centra has a Home Equity loan with an APR range of 6.49% to 9.49% , unchanged from it was 7, 30, and 60 days ago. Their HELOC rates are between 7.5% and 9.5% , also unchanged from the past 7, 30, and 60 days. Both products have steady rates over the last two months. Visions has a Home Equity loan with a minimum APR of 6.5% today. This rate is lower than it was 90 days ago when it was 6.75% . No other recent rate changes are shown for 7 or 30 days. Usalliance has a Home Equity rate range of 6.5% to 8.12% 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.

Baxter has a HELOC rate of 6.75% today, unchanged from it was 7, 30, 60, and 90 days ago. Their Home Equity loan rate is 7.25% today, down from 7.5% over the past 7, 30, 60, and 90 days.

🏦 All Local Lenders in Albany, NY

Lender NameBranch AddressOffice ServicesLender Snapshot
FIRST NEW YORK FEDERAL CREDIT UNION
818 CENTRAL AVE ALBANY NY 12206
ATM
P2P
E-Statements
E-Signature
Assets: $488,357,839
Deposits: $16,199,835
Net Worth: $45,713,612
Employees: 132
Members: 37,958
BROADVIEW FEDERAL CREDIT UNION
388 CLINTON AVE ALBANY NY 12206
ATM
P2P
E-Statements
E-Signature
Assets: $8,945,023,510
Deposits: $550,025,253
Net Worth: $748,058,930
Employees: 1467
Members: 496,735
BROADVIEW FEDERAL CREDIT UNION
655 PATROON CREEK BLVD ALBANY NY 12206
ATM
Drive-Thru
P2P
E-Statements
E-Signature
Assets: $8,945,023,510
Deposits: $550,025,253
Net Worth: $748,058,930
Employees: 1467
Members: 496,735
BROADVIEW FEDERAL CREDIT UNION
700 PATROON CREEK BLVD ALBANY NY 12206
ATM
P2P
E-Statements
E-Signature
Assets: $8,945,023,510
Deposits: $550,025,253
Net Worth: $748,058,930
Employees: 1467
Members: 496,735
BROADVIEW FEDERAL CREDIT UNION
700 PATROON CREEK BLVD ALBANY NY 12206
ATM
P2P
E-Statements
E-Signature
Assets: $8,945,023,510
Deposits: $550,025,253
Net Worth: $748,058,930
Employees: 1467
Members: 496,735
NY FIREFIGHTERS BRAVEST FEDERAL CREDIT UNION
532 CENTRAL AVE ALBANY NY 12206
E-Statements
Assets: $24,844,329
Deposits: $354,043
Net Worth: $2,703,297
Employees: 9
Members: 4,611

🏘️ All the Lenders Available in Albany County, NY

✅BROADVIEW FEDERAL CREDIT UNION
✅SUNMARK CREDIT UNION
✅HUDSON RIVER COMMUNITY CREDIT UNION
✅HUDSON VALLEY CREDIT UNION
✅COMMUNITY RESOURCE 770 CREDIT UNION
✅FASNY FEDERAL CREDIT UNION
✅FIRST NEW YORK FEDERAL CREDIT UNION
✅NY FIREFIGHTERS BRAVEST FEDERAL CREDIT UNION
✅ADVANTAGE FINANCIAL FEDERAL CREDIT UNION
✅DIRECTORS CHOICE CREDIT UNION
✅NEXT STEP FEDERAL CREDIT UNION

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