Introduction

For homeowners looking to finance home improvements, education, or consolidate debt, tapping into your home equity can be a smart move. As of June 20, 2025, Space Coast Credit Union offers the lowest HELOC rates starting at just 4.24%, making it an attractive option for borrowers seeking flexible access to funds with variable rates. Fixed-rate home equity loans are also available, with competitive pricing from Affinity Plus Federal Credit Union offering rates as low as 5.49%. Whether you prefer the adjustable nature of a HELOC or the stability of a fixed loan, today’s rates provide options tailored to different financial needs and risk tolerance. Borrowers who value predictable monthly payments may lean toward fixed-rate loans, while those wanting ongoing access to funds might find a HELOC more suitable. Notably, most credit unions have maintained steady rates over the past month, offering consistency in planning your financing strategy.

Home Equity Loans

Credit Union
Product
2025-06-20
(Current Day)
2025-06-13
(7 Days Ago)
2025-06-05
(15 Days Ago)
2025-05-21
(30 Days Ago)
2025-05-06
(45 Days Ago)
Space Coast Credit Union
Heloc
4.240 - 7.750
4.240 - 7.750
4.240 - 7.750
4.240 - 7.750
4.240 - 7.750
Space Coast Credit Union
Other
6.490 - 7.740
Schoolsfirst Federal Credit Union
Heloc
4.990 - 11.000
Schoolsfirst Federal Credit Union
Home Equity
6.750 - 10.875
6.750 - 10.875
6.750 - 10.875
6.750 - 10.875
6.750 - 10.875
Affinity Plus Federal Credit Union
Home Equity
5.490 - 6.395
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
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
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
7.240 - 8.468
Merck Sharp Dohme Federal Credit Union
Home Equity
5.740
5.740
5.740
5.740
5.740
Merck Sharp Dohme Federal Credit Union
Heloc
6.750
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
3.000 - 7.000▼ 295 bps
Gardensavings Federal Credit Union
Home Equity
6.375 - 7.000
6.375 - 7.000
6.375 - 7.000
6.375 - 7.000
6.375 - 7.000
Connexus Credit Union
Heloc
5.990 - 9.120
5.990 - 9.120
5.990 - 9.120
5.990 - 9.120
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
6.890 - 9.240
University Credit Union
Heloc
5.990 - 17.990
5.990 - 17.990
5.990 - 17.990
5.990 - 17.990
5.990 - 17.990
First Tech Federal Credit Union
Home Equity
6.125 - 9.125
5.000 - 9.125▼ 112.5 bps
First Tech Federal Credit Union
Heloc
7.375 - 7.500
7.375 - 7.500
First Flight Federal Credit Union
Home Equity
6.250 - 6.480
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
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
5.990 - 7.500▼ 50 bps

Space Coast Credit Union

As of June 20, 2025, Space Coast Credit Union’s HELOC rates remain steady at 4.240% - 7.750%, showing no change over the past 30 days. The new “Other” home equity loan program offers fixed rates between 6.490% and 7.740%, providing a stable option for borrowers seeking predictable payments. Homeowners valuing flexibility may find the HELOC’s variable rate range appealing, while those preferring consistent costs should consider the fixed-rate home equity loan. Monitoring these options helps homeowners choose solutions best aligned with their financial goals.

Schoolsfirst Federal Credit Union

As of June 20, 2025, Schoolsfirst Federal Credit Union's HELOC rates range from 4.990% to 11.000%, with no prior data for comparison. Meanwhile, Home Equity Loan rates remain steady between 6.750% and 10.875% over the past 30 days. The stable fixed-rate loans offer homeowners predictable payments, making them attractive for those seeking long-term security. Conversely, the flexible HELOCs appeal to borrowers needing revolving credit access for ongoing expenses or home improvements. Monitoring both options can help homeowners choose between fixed stability and flexible borrowing tailored to their financial needs.

Affinity Plus Federal Credit Union

As of June 20, 2025, Affinity Plus Federal Credit Union's home equity rates remain steady across all products. Home Equity Loans and Solar loans hold firm at 5.490% - 6.395%, offering attractive fixed-rate options for homeowners seeking predictable payments. The HELOC rates are stable at 6.750% - 6.971%, providing flexible borrowing for ongoing needs. Meanwhile, the Improvement loan rates stay consistent between 7.240% - 8.468%. With no rate changes over the past 30 days, now is a good time to consider fixed-rate loans for long-term budgeting or HELOCs for adaptable access to funds.

Merck Sharp Dohme Federal Credit Union

As of June 20, 2025, Merck Sharp Dohme Federal Credit Union maintains steady rates for home equity products. The Home Equity Loan rate remains fixed at 5.740%, showing no change over the past 30 days, making it a reliable option for homeowners seeking predictable long-term payments. Similarly, the HELOC rate holds steady at 6.750%, offering flexible credit access without rate fluctuations. Homeowners valuing stable fixed rates may prefer the Home Equity Loan, while those needing ongoing borrowing flexibility might consider the HELOC. Consistent rates provide clarity and planning ease in today’s market.

Gardensavings Federal Credit Union

As of June 20, 2025, Gardensavings Federal Credit Union maintains steady rates for home equity products. The HELOC rates remain between 5.950% and 7.000%, unchanged over the past 30 days, offering consistent flexible borrowing options. Meanwhile, the Home Equity Loan rates hold firm at 6.375% to 7.000%, providing reliable fixed-rate financing for homeowners seeking long-term stability. For those needing adaptable access to funds, HELOCs present a valuable choice, while fixed-rate Home Equity Loans suit borrowers prioritizing predictable payments. Monitoring these stable rates can help homeowners plan their financing effectively.

Connexus Credit Union

As of June 20, 2025, Connexus Credit Union’s HELOC rates remain steady at 5.990% to 9.120% APR, unchanged over the past 30 days. Similarly, Home Equity Loan rates hold firm between 6.890% and 9.240% APR with no recent movement. For homeowners seeking flexible borrowing, the HELOC offers consistent competitive rates. Those preferring predictable payments may find the fixed-rate Home Equity Loans attractive for long-term financial planning. Maintaining stable rates provides clarity and confidence in choosing the right home equity solution.

University Credit Union

As of June 20, 2025, University Credit Union's HELOC rates remain steady at 5.990% to 17.990% APR over the past 30 days with no changes observed. This consistent rate range offers homeowners flexible borrowing options without rate fluctuations. HELOCs may appeal to those needing adaptable access to funds for home improvements or unexpected expenses. While fixed-rate home equity loans are not currently listed, the stable HELOC pricing provides predictable terms for members considering variable-rate solutions. Staying informed on these rates helps homeowners make timely, well-informed borrowing decisions.

First Tech Federal Credit Union

As of June 20, 2025, First Tech Federal Credit Union offers Home Equity Loans with rates ranging from 6.125% to 9.125%, showing a slight increase from 15 days ago’s low of 5.000% on the lower end. Meanwhile, HELOC rates remain steady at 7.375% to 7.500% compared to 15 days prior. Homeowners seeking predictable payments may find the fixed-rate home equity loans attractive, while those needing flexible borrowing options could consider the stable HELOC rates for ongoing access to funds. Monitoring these rates can help in choosing the best fit for your financial goals.

First Flight Federal Credit Union

As of June 20, 2025, First Flight Federal Credit Union’s home equity rates remain steady. Home Equity Loan rates hold firm at 6.250% - 6.480%, unchanged over the past 30 days, offering consistent fixed-rate options for borrowers seeking stability. Meanwhile, HELOC rates are stable at 7.750% - 7.770%, providing flexible access to funds without rate fluctuations. For homeowners prioritizing predictable payments, the fixed Home Equity Loan is an attractive choice. Those needing ongoing borrowing flexibility may find the HELOC beneficial. Monitoring these stable rates can help members make informed borrowing decisions aligned with their financial goals.

Langley Federal Credit Union

As of June 20, 2025, Langley Federal Credit Union’s HELOC rates remain steady, holding firm at 6.490% - 7.500% over the past 30 days. This stability provides predictability for homeowners seeking flexible borrowing options. HELOCs may appeal to those needing ongoing access to home equity with variable payments rather than fixed terms. While no rate changes occurred recently, this consistent range offers a reliable option for managing home improvement or debt consolidation needs. Homeowners should weigh the benefits of HELOC flexibility against their financial goals when considering these accessible lending solutions.

LendMesh

No sales pitch. No confusing jargon. Just a smarter way to borrow. LendMesh helps you understand your home equity loan options—and connects you with lenders who care. Visit https://www.lendmesh.com/loans/home_equity_loans to get started today.

Conclusion

If you’re considering unlocking your home’s value now, start by comparing both HELOC and fixed-rate loan options to match your goals—whether it’s flexibility or payment certainty. Keep an eye on credit union rate trends and be prepared to act if favorable terms align with your budget. For those not in a rush, monitoring these rates over the next few weeks could reveal even better deals or promotional offers. Remember, a strong credit score and stable income improve your chances of securing lower rates, so take steps to optimize your financial profile before applying. Lastly, always calculate how much you truly need versus borrowing more than necessary; smart borrowing means using your home equity wisely to enhance your financial future without overextending yourself.