Home Equity Loans in Charlotte, NC

Looking to tap into your Charlotte home's equity? Compare local lenders offering flexible terms and fast funding to help you turn your home’s value into cash for remodeling, debt consolidation, or big projects.

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

Credit Union Loan Rates - Trends & Analysis:

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% .

Advancial has a Home Equity rate range of 6.13% to 7.55% today. This is lower than both 7 and 30 days ago, when the rates were 6.51% to 7.81% . The rates have dropped since last month. Truliant has a Home Equity APR range of 6.14% to 9.22% today, unchanged from 7 and 30 days ago but lower than the rates from 30, 60, and 90 days ago. Their HELOC rates are 7.25% to 9.75% now, unchanged from a week ago and down from the higher ranges seen in the past 30, 60, and 90 days.

First Flight has a Home Equity rate range of 6.25% to 6.48% today, unchanged from it was 7 days ago. Their HELOC rates are between 7.75% and 7.77% , also unchanged from a week ago. Both products show steady rates compared to the past week. Langley has a HELOC with an APR range of 6.49% to 7.25% today. This rate range is lower than it was 7, 30, 60, and 90 days ago, when the top end was 7.5% . The minimum APR has stayed the same over this period. 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.

State Employees' has a HELOC with an APR of 6.5% today. This rate has stayed the same compared to 7, 30, and 60 days ago. There is no change in the APR over this period. Credit Human has a Home Equity rate range of 6.58% to 7.47% today, unchanged from 7 and 30 days ago. This range is slightly higher than 30 days ago when it was 6.45% to 7.35% , but a bit lower than 60 days ago, which was 6.6% to 7.67% . 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.

Dupaco Community has a Home Equity rate range of 6.74% to 7.24% today, unchanged from 7 and 30 days ago but lower than 60 days ago when it was 6.99% to 7.49% . The HELOC rate is 6.75% , steady from 7 days ago and down from 7% thirty days ago, though higher than the 3.99% to 7% range seen 60 days ago. Connexus has a Home Equity rate range of 6.89% to 9.24% today. This rate is the same as it was 7 days ago and also matches the rates from 60 and 90 days ago. There has been no change in the Home Equity rates over this time.

Digital has a Home Equity rate range today of 6.99% to 7.74% , which is lower than 7 and 30 days ago when the top rate was 8.49% . The 60–and 90–day rates were higher, starting at 7.24% . The HELOC rate is 7.

🏦 All Local Lenders in Charlotte, NC

Lender NameBranch AddressOffice ServicesLender Snapshot
CAROLINAS TELCO FEDERAL CREDIT UNION
3921 TUCKASEEGEE RD CHARLOTTE NC 28208
Drive-Thru
E-Statements
E-Signature
Assets: $513,274,814
Deposits: $44,685,403
Net Worth: $74,040,871
Employees: 93.0
Members: 32,491
AMERICAN AIRLINES FEDERAL CREDIT UNION
5501 JOSH BIRMINGHAM PKWY CHARLOTTE NC 28208
ATM
P2P
E-Statements
E-Signature
Assets: $9,008,942,932
Deposits: $868,086,545
Net Worth: $987,579,629
Employees: 787
Members: 368,129
AMERICAN AIRLINES FEDERAL CREDIT UNION
4800 HANGAR RD CHARLOTTE NC 28208
ATM
P2P
E-Statements
E-Signature
Assets: $9,008,942,932
Deposits: $868,086,545
Net Worth: $987,579,629
Employees: 787
Members: 368,129
SKYLA FEDERAL CREDIT UNION
2732 ASHLEY RD CHARLOTTE NC 28208
ATM
Drive-Thru
P2P
E-Statements
E-Signature
Assets: $1,561,839,642
Deposits: $160,963,222
Net Worth: $148,055,249
Employees: 288
Members: 103,354
SKYLA FEDERAL CREDIT UNION
5301 WILKINSON BLVD CHARLOTTE NC 28208
ATM
P2P
E-Statements
E-Signature
Assets: $1,561,839,642
Deposits: $160,963,222
Net Worth: $148,055,249
Employees: 288
Members: 103,354
PIEDMONT ADVANTAGE CREDIT UNION CREDIT UNION
2830 BOYER ST CHARLOTTE NC 28208
ATM
Drive-Thru
P2P
E-Statements
E-Signature
Assets: $391,164,905
Deposits: $26,741,402
Net Worth: $32,815,700
Employees: 93
Members: 30,487
NOVA CREDIT UNION
3601 MULBERRY CHURCH RD CHARLOTTE NC 28208
Drive-Thru
P2P
E-Statements
E-Signature
Assets: $121,798,098
Deposits: $6,293,489
Net Worth: $20,260,804
Employees: 49.0
Members: 11,026
STATE EMPLOYEES' CREDIT UNION
4720 AIRPORT CENTER PKWY CHARLOTTE NC 28208
ATM
Drive-Thru
E-Statements
E-Signature
Assets: $57,229,286,839
Deposits: $7,866,265,767
Net Worth: $5,446,832,560
Employees: 8258
Members: 2,847,943

🏘️ All the Lenders Available in Mecklenburg County, NC

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