Home Equity Loans in Watertown, NY

Looking for the best home equity loan rates in Watertown, NY? Compare offers from trusted local lenders to find flexible terms that fit your needs. Whether you’re planning renovations or consolidating debt, unlocking your home’s value is easier than you think.

Today’s Home Equity Loan Rates & Analysis - Updated on 2025-OCT-11

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 Watertown, NY

Lender NameBranch AddressOffice ServicesLender Snapshot
SEA COMM FEDERAL CREDIT UNION
20565 STATE ROUTE 3 WATERTOWN NY 13601
ATM
Drive-Thru
P2P
E-Statements
Assets: $787,112,156
Deposits: $24,337,568
Net Worth: $121,411,320
Employees: 131
Members: 55,187
STATE CS EMPLOYEES FEDERAL CREDIT UNION
DULLES STATE OFFICE BUILDING WATERTOWN NY 13601
ATM
P2P
E-Statements
E-Signature
Assets: $38,739,508
Deposits: $2,642,138
Net Worth: $3,853,276
Employees: 9
Members: 2,727
STATE CS EMPLOYEES FEDERAL CREDIT UNION
144 EASTERN BOULEVARD WATERTOWN NY 13601
ATM
Drive-Thru
P2P
E-Statements
E-Signature
Assets: $38,739,508
Deposits: $2,642,138
Net Worth: $3,853,276
Employees: 9
Members: 2,727
WATERTOWN POSTAL FEDERAL CREDIT UNION
232 COMMERCE PARK DR WATERTOWN NY 13601
Assets: $5,975,458
Deposits: $470,686
Net Worth: $840,732
Employees: 3
Members: 523
AMERICU CREDIT UNION
871 ARSENAL ST WATERTOWN NY 13601
ATM
Drive-Thru
P2P
E-Statements
E-Signature
Assets: $2,693,858,739
Deposits: $60,545,589
Net Worth: $262,375,424
Employees: 434
Members: 167,171
NORTHERN CREDIT UNION
138 FACTORY ST WATERTOWN NY 13601
P2P
E-Statements
E-Signature
Assets: $622,714,472
Deposits: $21,540,560
Net Worth: $68,832,996
Employees: 152
Members: 44,711
NORTHERN CREDIT UNION
120 FACTORY ST WATERTOWN NY 13601
ATM
Drive-Thru
P2P
E-Statements
E-Signature
Assets: $622,714,472
Deposits: $21,540,560
Net Worth: $68,832,996
Employees: 152
Members: 44,711
NORTHERN CREDIT UNION
1180 COMMERCE PARK DR E WATERTOWN NY 13601
ATM
Drive-Thru
P2P
E-Statements
E-Signature
Assets: $622,714,472
Deposits: $21,540,560
Net Worth: $68,832,996
Employees: 152
Members: 44,711

🏘️ All the Lenders Available in Jefferson County, NY

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