Introduction

For homeowners exploring ways to finance renovations, education, or debt consolidation, tapping into your home equity can be a smart move—especially with rates as they stand on June 17, 2025. Affinity Plus Federal Credit Union offers the lowest fixed-rate home equity loans starting at just 5.49%, holding steady over the past month. If you prefer flexibility, their HELOC rates begin at 6.75%, matching other competitive offers like Merck Sharp Dohme Federal Credit Union’s HELOC rate at 6.75%. Whether you’re planning a major home improvement or consolidating higher-interest debt, these credit unions provide options that fit varying financial needs and risk tolerances. Borrowers seeking affordable fixed rates might lean toward Affinity Plus’s home equity loans, while those who value ongoing access to funds could consider a HELOC from Gardensavings or Connexus Credit Union, though note some variability in Connexus’s upper rate range. Keeping an eye on these consistent rates can help you choose the right product for your unique situation today.

Home Equity Loans

Credit Union
Product
2025-06-17
(Current Day)
2025-06-10
(7 Days Ago)
2025-06-02
(15 Days Ago)
2025-05-18
(30 Days Ago)
Affinity Plus Federal Credit Union
Home Equity
5.490 - 6.395
5.490 - 6.395
5.490 - 6.395
5.490 - 6.395
Affinity Plus Federal Credit Union
Solar
5.490 - 6.395
5.490 - 6.395
5.490 - 6.395
5.490 - 6.395
Affinity Plus Federal Credit Union
Heloc
6.750 - 6.971
6.750 - 6.971
6.750 - 6.971
6.750 - 6.971
Affinity Plus Federal Credit Union
Improvement
7.240 - 8.468
7.240 - 8.468
7.240 - 8.468
7.240 - 8.468
Merck Sharp Dohme Federal Credit Union
Home Equity
5.740
5.740
5.740
5.740
Merck Sharp Dohme Federal Credit Union
Heloc
6.750
6.750
6.750
6.750
Gardensavings Federal Credit Union
Heloc
5.950 - 7.000
5.950 - 7.000
5.950 - 7.000
5.950 - 7.000
Connexus Credit Union
Heloc
5.990 - 9.120
5.990 - 9.120
8.170 - 9.120▲ 218 bps
5.990 - 9.120
Connexus Credit Union
Home Equity
6.890 - 9.240
6.890 - 9.240
6.890 - 9.240
6.890 - 9.240
University Credit Union
Heloc
5.990 - 17.990
5.990 - 17.990
5.990 - 17.990
5.990 - 17.990
Vystar Credit Union
Home Equity
6.250 - 7.000
6.250 - 7.000
6.125 - 6.875▼ 12.5 bps
Vystar Credit Union
Heloc
7.250
7.250
7.250
First Flight Federal Credit Union
Home Equity
6.250 - 6.480
6.250 - 6.480
6.250 - 6.480
6.250 - 6.480
First Flight Federal Credit Union
Heloc
7.750 - 7.770
7.750 - 7.770
7.750 - 7.770
7.750 - 7.770
Langley Federal Credit Union
Heloc
6.490 - 7.500
6.490 - 7.500
6.490 - 7.500
6.490 - 7.500
Chartway Credit Union
Home Equity
6.490
6.490
6.490
6.490
Chartway Credit Union
Heloc
8.000
8.000
8.000
8.000
Desert Financial Credit Union
Heloc
6.490 - 8.000
6.490 - 8.000
6.490 - 8.000
6.490 - 8.000

Affinity Plus Federal Credit Union

As of June 17, 2025, Affinity Plus Federal Credit Union’s home equity rates remain steady across all products with no changes in the past 30 days. Home Equity Loans and Solar loans hold strong at 5.490% - 6.395%, offering competitive fixed rates ideal for homeowners seeking predictable payments. The HELOC range stays at 6.750% - 6.971%, providing flexible borrowing options for ongoing expenses. For larger projects, the Improvement loan rates range from 7.240% to 8.468%. These stable rates make fixed-rate loans attractive for long-term planning, while HELOCs suit those needing adaptable credit access.

Merck Sharp Dohme Federal Credit Union

As of June 17, 2025, Merck Sharp Dohme Federal Credit Union maintains steady rates for its home equity products. The Home Equity Loan rate remains fixed at 5.740%, consistent over the past 30 days, offering a reliable long-term borrowing option. Similarly, the HELOC rate holds steady at 6.750%, providing flexible access to funds without rate fluctuations. Homeowners seeking predictable payments may find the fixed-rate Home Equity Loan attractive, while those valuing borrowing flexibility might consider the HELOC. Stability in these rates supports informed decisions for community members planning home improvements or debt consolidation.

Gardensavings Federal Credit Union

As of June 17, 2025, Gardensavings Federal Credit Union’s HELOC rates remain steady at 5.950% to 7.000%, unchanged over the past 30 days. This stable rate range offers homeowners predictable costs for flexible borrowing. HELOCs may appeal to those seeking ongoing access to home equity without fixed repayment terms. While no new rate shifts are noted, the consistent pricing supports planning for home improvements or debt consolidation with confidence. For borrowers prioritizing flexibility, Gardensavings’ HELOC remains a reliable option in today’s market.

Connexus Credit Union

As of June 17, 2025, Connexus Credit Union’s HELOC rates remain steady at 5.990% - 9.120%, unchanged from 7 and 30 days ago but down from 8.170% - 9.120% fifteen days prior. Meanwhile, Home Equity Loan rates hold firm at 6.890% - 9.240% over the past month. The stable HELOC rates offer flexible borrowing for homeowners needing variable access to funds, while the consistent fixed-rate Home Equity Loans provide predictable payments for long-term planning. Homeowners should weigh flexibility versus fixed terms when considering these accessible lending options at Connexus Credit Union.

University Credit Union

As of June 17, 2025, University Credit Union’s HELOC rates remain steady at 5.990% - 17.990% APR over the past 30 days, showing no movement. This stability provides homeowners with a predictable borrowing cost for flexible financing needs. HELOCs may appeal to those seeking adaptable access to home equity funds without locking into fixed terms. While no new fixed-rate home equity loans are listed currently, this consistent HELOC range offers reliable options for managing home improvements or debt consolidation. Stay informed on rate trends to make the best choice for your financial goals.

Vystar Credit Union

As of June 17, 2025, Vystar Credit Union's Home Equity Loan rates remain steady at 6.250% - 7.000%, unchanged from one week ago but slightly higher than 30 days ago’s 6.125% - 6.875%. The HELOC rate holds firm at 7.250% with no change over the past month. For homeowners seeking predictable payments, the fixed-rate Home Equity Loan offers a stable option, while the HELOC provides flexible access to funds as needed. Monitoring these rates can help members choose the best fit for their financial goals and borrowing needs.

First Flight Federal Credit Union

As of June 17, 2025, First Flight Federal Credit Union's home equity rates remain stable. The Home Equity Loan rates hold steady at 6.250% - 6.480%, offering attractive fixed-rate options for homeowners seeking predictable payments. Meanwhile, HELOC rates also remain unchanged at 7.750% - 7.770%, providing flexible borrowing for those needing ongoing access to funds. With no rate fluctuations over the past 30 days, borrowers can confidently consider these options based on their financial needs and preference for fixed or variable rates.

Langley Federal Credit Union

As of June 17, 2025, Langley Federal Credit Union's HELOC rates remain steady at 6.490% to 7.500% over the past 30 days. This stable pricing offers homeowners predictable costs for flexible borrowing. HELOCs may appeal to those seeking ongoing access to home equity with variable repayment options. While no fixed-rate home equity loans are listed currently, the consistent HELOC rates provide an accessible solution for managing home improvements or consolidating debt without rate fluctuations. Homeowners should consider their borrowing needs when evaluating these options.

Chartway Credit Union

As of June 17, 2025, Chartway Credit Union’s Home Equity Loan rate remains steady at 6.490%, unchanged over the past 30 days, offering a reliable fixed-rate option for homeowners seeking long-term stability. The HELOC rate also holds firm at 8.000%, providing flexible credit access without rate fluctuations this month. For homeowners prioritizing predictable payments, the fixed-rate Home Equity Loan is an attractive choice. Meanwhile, the HELOC suits those needing adaptable borrowing options. Monitoring these stable rates can help members plan their home financing effectively with Chartway Credit Union.

Desert Financial Credit Union

As of June 17, 2025, Desert Financial Credit Union's HELOC rates remain steady at 6.490% to 8.000%, unchanged over the past 30 days. This consistent pricing provides homeowners with reliable access to flexible funds. HELOCs may appeal to those needing variable-rate options for home improvements or emergencies without locking into long-term fixed payments. While no rate drops are noted this period, the stable range offers transparency and predictability for borrowers considering home equity financing through Desert Financial Credit Union.

LendMesh

From home upgrades to business ventures, a home equity loan can open doors. LendMesh helps you compare lending options built for your budget and your timeline. Ready to put your equity to work? Visit https://www.lendmesh.com/loans/home_equity_loans .

Conclusion

If you’re ready to unlock your home’s potential, start by comparing both fixed-rate home equity loans and variable-rate HELOCs to see which suits your budget and timeline best. Remember, fixed loans offer predictable payments ideal for set renovation budgets or education costs, while HELOCs provide flexible borrowing power for ongoing expenses but may come with wider rate ranges. Given the stability in rates this month, now is a good time to shop around and get pre-approved—locking in a lower rate could save you thousands over time. However, if market uncertainty or personal finances feel unstable, waiting to build more equity or improve your credit score might lead to better terms later. Ultimately, work closely with your credit union to understand fees, terms, and repayment options—empowering yourself with knowledge is the smartest step before borrowing against your home’s value.