Home Equity Loans in Rochester, NY

Looking for the best HELOC rates in Rochester, NY? Compare local lenders offering competitive rates and flexible terms to help you unlock your home's value with confidence. Whether it's for renovations or consolidating debt, the right option is just a few clicks away.

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% . Esl has a Home Equity rate range of 6.35% to 8.7% today. This is lower than the rates from 60 and 90 days ago, which were 6.85% to 9.2% . No data is available for 7 or 30 days ago to compare.

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.

🏦 All Local Lenders in Rochester, NY

Lender NameBranch AddressOffice ServicesLender Snapshot
EVER $ GREEN FEDERAL CREDIT UNION
2215 E HENRIETTA RD ROCHESTER NY 14623
ATM
Drive-Thru
P2P
E-Statements
Assets: $68,646,574
Deposits: $2,251,202
Net Worth: $7,764,639
Employees: 19
Members: 5,374
FAMILY FIRST OF NY FEDERAL CREDIT UNION
1225 JEFFERSON RD STE A21 ROCHESTER NY 14623
ATM
P2P
E-Statements
E-Signature
Assets: $322,036,908
Deposits: $511,114
Net Worth: $34,937,990
Employees: 64
Members: 15,397
RELIANT COMMUNITY FEDERAL CREDIT UNION
1200 MARKETPLACE DR ROCHESTER NY 14623
ATM
P2P
E-Statements
E-Signature
Assets: $689,753,689
Deposits: $61,859,197
Net Worth: $64,498,807
Employees: 173
Members: 46,967
ADVANTAGE FEDERAL CREDIT UNION
70 METRO PARK ROCHESTER NY 14623
P2P
E-Statements
E-Signature
Assets: $479,479,260
Deposits: $17,261,372
Net Worth: $44,790,908
Employees: 98
Members: 34,794
ADVANTAGE FEDERAL CREDIT UNION
38 LOMB MEMORIAL DR ROCHESTER NY 14623
ATM
P2P
E-Statements
E-Signature
Assets: $479,479,260
Deposits: $17,261,372
Net Worth: $44,790,908
Employees: 98
Members: 34,794
ESL FEDERAL CREDIT UNION
100 CANAL VIEW BLVD ROCHESTER NY 14623
ATM
Drive-Thru
P2P
E-Statements
Assets: $9,589,555,760
Deposits: $26,736,310
Net Worth: $1,581,486,953
Employees: 932
Members: 450,642
KINECTA FEDERAL CREDIT UNION
1425 JEFFERSON RD ROCHESTER NY 14623
ATM
P2P
E-Statements
E-Signature
Assets: $6,748,872,512
Deposits: $206,113,615
Net Worth: $551,264,425
Employees: 695
Members: 251,834
THE SUMMIT FEDERAL CREDIT UNION
2087 E HENRIETTA RD ROCHESTER NY 14623
ATM
Drive-Thru
P2P
E-Statements
Assets: $1,352,881,336
Deposits: $73,606,513
Net Worth: $144,591,455
Employees: 253
Members: 95,042

🏘️ All the Lenders Available in Monroe County, NY

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