Introduction

If you’re a homeowner looking to finance renovations, education expenses, or consolidate debt, tapping into your home equity can be a smart move. As of June 27, 2025, Baxter Credit Union offers the lowest HELOC rate starting at an attractive 2.99%, making it an excellent choice for borrowers seeking flexible access to funds with variable rates. For those who prefer the predictability of fixed-rate loans, Baxter’s home equity loan sits at a competitive 7.50%. Whether you want to renovate your kitchen, fund college tuition, or streamline high-interest debts, these options provide tailored solutions that fit different financial goals and comfort levels. Homeowners should also note that while some credit unions like The Golden 1 show wider HELOC rate ranges up to 18%, others such as Hudson Valley and Schoolsfirst offer moderate rates suitable for steady budgeting. Staying informed about current rates empowers you to choose the best program for your unique situation today.

Home Equity Loans

Credit Union
Product
2025-06-27
(Current Day)
2025-06-20
(7 Days Ago)
2025-06-12
(15 Days Ago)
2025-05-28
(30 Days Ago)
2025-05-13
(45 Days Ago)
Baxter
Heloc
2.990 - 6.750
Baxter
Home Equity
7.500
Gesa
Heloc
3.950 - 18.000
Gesa
Home Equity
6.880 - 13.880
Wescom Central
Heloc
3.990 - 12.000
Broadview
Heloc
3.990 - 14.900
The Golden 1
Heloc
4.000 - 18.000
7.440 - 7.625▲ 344 bps
4.990 - 7.625▲ 99 bps
4.000 - 18.000
4.000 - 18.000
Hudson Valley
Heloc
4.500 - 7.750
Hudson Valley
Home Equity
6.250
Schoolsfirst
Heloc
4.990 - 11.000
4.990 - 11.000
Schoolsfirst
Home Equity
6.750 - 10.875
6.750 - 10.875
6.750 - 10.875
6.750 - 10.875
6.750 - 10.875
Affinity Plus
Home Equity
5.490 - 8.240
5.490 - 6.395
5.490 - 6.395
5.490 - 6.395
5.490 - 6.395
American Heritage
Home Equity
5.490 - 8.490
American Heritage
Heloc
6.240 - 8.740
Randolph Brooks
Home Equity
5.500 - 7.250

Baxter

As of June 27, 2025, Baxter’s HELOC rates range from 2.990% to 6.750%, offering flexible borrowing with variable pricing. The Home Equity Loan rate stands at a fixed 7.500%, providing predictability for long-term planning. With no prior data for comparison, current rates present accessible options: HELOCs suit homeowners needing adaptable credit lines, while the fixed-rate Home Equity Loan appeals to those seeking stable payments. Monitoring these rates can help members choose the best fit for their financial goals and home equity needs.

Gesa

As of June 27, 2025, Gesa's HELOC rates range from 3.950% to 18.000%, offering flexible borrowing options for homeowners needing variable access to funds. The Home Equity Loan rates span 6.880% to 13.880%, providing fixed-rate solutions suitable for those seeking predictable payments over the loan term. With no prior data available, rate trends cannot be assessed this week. Homeowners valuing consistent monthly payments may find Home Equity Loans attractive, while those preferring adaptable credit might consider HELOCs for their flexibility and competitive starting rates.

Wescom Central

As of June 27, 2025, Wescom Central’s HELOC rates range from 3.990% to 12.000% APR, with no prior data available for comparison. This flexible Home Equity Line of Credit (HELOC) offers homeowners variable access to funds, ideal for those seeking adaptable borrowing options. While fixed-rate loans provide rate certainty, the current HELOC range may appeal to members comfortable with variable rates and needing ongoing credit access. Monitoring future rate changes will help homeowners decide the best timing for their equity financing needs.

Broadview

As of June 27, 2025, Broadview's HELOC rates range from 3.990% to 14.900%, with no prior data for comparison. While recent trends are unavailable, the current HELOC offers flexible borrowing options suited for homeowners needing variable access to funds. The competitive starting rate of 3.990% provides an attractive entry point for short-term financing needs. Homeowners seeking adaptable credit solutions may find this product beneficial, especially given Broadview’s community-focused lending approach. Stay tuned for future updates on rate movements and new home equity offerings from Broadview.

The Golden 1

As of June 27, 2025, The Golden 1 HELOC rates show notable variability with today's range at 4.000% - 18.000% APR, down from a narrower 7.440% - 7.625% range seven days ago. Compared to 30 days ago, the low end remains steady at 4.000%, indicating attractive entry points for flexible borrowing. Homeowners seeking adaptable financing may find HELOCs appealing for ongoing access to funds despite rate fluctuations. Monitoring these trends can help members time their borrowing decisions effectively within The Golden 1’s accessible lending solutions.

Hudson Valley

As of June 27, 2025, Hudson Valley's HELOC rates range from 4.500% to 7.750%, offering flexible borrowing options for homeowners seeking revolving credit. The fixed-rate Home Equity Loan at 6.250% presents a stable choice for those preferring predictable payments over time. Since no previous data is available, rate trends cannot be assessed this week. Homeowners valuing flexibility may consider the HELOC, while borrowers wanting consistent budgeting benefits might find the Home Equity Loan more attractive. Staying informed helps optimize borrowing decisions in Hudson Valley’s evolving market.

Schoolsfirst

As of June 27, 2025, Schoolsfirst HELOC rates remain steady at 4.990% - 11.000%, unchanged from 7 days ago. Similarly, the Home Equity Loan rates hold firm between 6.750% - 10.875% over the past 30 days. The stable HELOC rates offer flexible borrowing options for homeowners needing ongoing access to funds, while the consistent fixed-rate Home Equity Loans provide predictable payments for long-term planning. For those valuing flexibility, HELOCs are attractive; fixed loans suit borrowers seeking rate certainty over time. Monitoring these steady rates can help homeowners make informed lending decisions.

Affinity Plus

As of June 27, 2025, Affinity Plus Home Equity rates remain steady at 5.490% - 8.240%, with the upper range notably higher than the consistent 5.490% - 6.395% over the past 30 days. This suggests a widening spread in available loan options. Homeowners seeking predictable payments may find the lower fixed-rate portion attractive, while those valuing flexible borrowing might consider HELOCs within this rate band. Monitoring these trends can help members choose between fixed home equity loans and variable-rate lines of credit to best fit their financial needs.

American Heritage

As of June 27, 2025, American Heritage's Home Equity Loan rates range from 5.490% to 8.490%, with no prior data for comparison. The HELOC rates stand at 6.240% to 8.740%, also without previous rate trends available. For homeowners seeking predictable payments, the fixed-rate Home Equity Loan offers a stable option. Meanwhile, HELOCs provide flexible borrowing, ideal for those needing ongoing access to funds. Keep an eye on rate updates for potential shifts in affordability and borrowing strategy.

Randolph Brooks

As of June 27, 2025, Randolph Brooks' Home Equity Loan rates range from 5.500% to 7.250%, with no previous data available for comparison. This fixed-rate option offers homeowners predictable payments and stability over the loan term. While rate trends are not yet established, locking in a fixed home equity loan can provide long-term financial planning benefits. For those seeking flexible borrowing, exploring HELOCs may still be advantageous despite no current rate updates here. Homeowners should consider their repayment preferences and access needs when choosing between fixed loans and lines of credit.

LendMesh

Let your home work for you—not the other way around. LendMesh helps you understand what your equity is worth and how to use it wisely. Begin your journey at https://www.lendmesh.com/loans/home_equity_loans .

Conclusion

Before you unlock your home’s equity, consider your financial goals and how long you plan to borrow. If flexibility is key—perhaps for ongoing projects or variable expenses—a low-rate HELOC like Baxter’s at 2.99% can be ideal. However, if you prefer stable monthly payments without surprises, a fixed-rate home equity loan offers peace of mind despite slightly higher rates. Keep in mind that rates can fluctuate; watching for any shifts over the next few weeks could save you money in the long run. Always factor in fees, terms, and your ability to repay comfortably before committing. Lastly, consult with your credit union representatives to explore personalized options and ensure you’re making the most informed decision possible when tapping into your home’s value. Your home equity is a powerful resource—use it wisely to build a stronger financial future.