Introduction

If you’re considering tapping into your home equity now, start by comparing both HELOC and fixed-rate loan options based on your financial goals and repayment comfort. A HELOC may suit those needing ongoing access for projects or expenses that arise over time, especially with today’s standout low introductory rates like the 2.99% from Citizens Equity First. Conversely, if stability is key and you prefer knowing exactly what each monthly payment will be, a home equity loan from Randolph Brooks or Affinity Plus could be the smarter move. Before applying, check your credit union’s specific terms and any fees associated with opening these accounts. Lastly, remember that timing matters but so does preparedness—having all documentation ready and understanding your budget will position you best to secure favorable terms. If rates remain stable in coming weeks, you have time to make an informed decision rather than rush into borrowing at less-than-ideal conditions.

Home Equity Loans

Credit Union
Product
2025-07-04
(Current Day)
2025-06-27
(7 Days Ago)
2025-06-19
(15 Days Ago)
2025-06-04
(30 Days Ago)
2025-05-20
(45 Days Ago)
2025-05-05
(60 Days Ago)
Citizens Equity First
Heloc
2.990 - 18.000
7.750 - 18.000▲ 476 bps
Wescom Central
Heloc
3.990 - 12.000
3.990 - 12.000
Broadview
Heloc
3.990 - 14.900
3.990 - 14.900
Space Coast
Heloc
4.240 - 7.750
4.240 - 7.750
4.240 - 7.750
4.240 - 7.750
4.240 - 7.750
Space Coast
Home Equity
6.490 - 7.740
6.490 - 7.740
6.490 - 7.740
6.490 - 7.740
Hudson Valley
Heloc
4.500 - 7.750
4.500 - 7.750
Hudson Valley
Home Equity
6.250
6.250
Hudson Valley
Other
9.000
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
6.750 - 10.875
Randolph Brooks
Home Equity
5.375 - 7.125
5.500 - 7.250▲ 12.5 bps
Affinity Plus
Home Equity
5.490 - 8.240
5.490 - 8.240
5.490 - 6.395
5.490 - 6.395
5.490 - 6.395
5.490 - 6.395
Affinity Plus
Heloc
6.750 - 6.971
6.750 - 6.971
6.750 - 6.971
6.750 - 6.971
6.750 - 6.971
American Heritage
Home Equity
5.490 - 8.490
5.490 - 8.490
American Heritage
Heloc
6.240 - 8.740
6.240 - 8.740
Hawaiistatefcu
Heloc
5.550 - 8.250
5.550 - 5.900
5.550 - 5.900
5.550 - 8.250
5.600 - 5.990▲ 5 bps
5.600 - 18.000▲ 5 bps

Citizens Equity First

As of July 4, 2025, Citizens Equity First's HELOC rates range from 2.990% to 18.000% APR, showing a notable improvement from last week’s bottom rate of 7.750%. This indicates a significant narrowing of the rate spread at the lower end, offering more affordable borrowing options. Homeowners seeking flexible access to funds may find these HELOCs particularly appealing due to their variable nature and competitive starting rates. While longer-term fixed-rate loans are not listed this period, the current HELOC pricing provides attractive flexibility for managing home equity needs with potentially lower initial costs.

Wescom Central

As of July 4, 2025, Wescom Central’s HELOC rates remain steady at 3.990% to 12.000% APR, unchanged from one week ago. While no recent data is available for longer-term fixed loans, the consistent HELOC pricing offers homeowners flexible borrowing options with competitive variable rates. HELOCs may appeal to those seeking revolving credit for home improvements or emergency funds, providing access to equity without fixed repayment terms. Monitoring these rates can help homeowners leverage their equity wisely in a stable rate environment.

Broadview

As of July 4, 2025, Broadview’s HELOC rates remain steady at a range of 3.990% to 14.900% APR, unchanged from one week ago. While no rate changes are observed, these flexible HELOCs continue to offer homeowners variable access to funds for renovations or emergencies. Homeowners seeking adaptable borrowing may find these terms beneficial given the stable rate environment. Keep monitoring rates for potential shifts, but currently, Broadview’s HELOC provides consistent options for managing home equity with flexible repayment structures.

Space Coast

As of July 4, 2025, Space Coast’s HELOC rates remain steady at a range of 4.240% to 7.750% over the past 30 days, offering consistent options for homeowners seeking flexible credit access. The Home Equity Loan rates hold firm between 6.490% and 7.740%, presenting attractive fixed-rate choices for borrowers valuing payment stability. For those needing adaptable funds, HELOCs provide variable-rate flexibility, while fixed-term Home Equity Loans suit long-term financial planning. Monitoring these stable rates can help Space Coast members make informed lending decisions aligned with their home equity needs.

Hudson Valley

As of July 4, 2025, Hudson Valley’s HELOC rates remain steady at 4.500% - 7.750%, unchanged from one week ago, offering flexible borrowing options for homeowners seeking variable access to funds. The Home Equity Loan rate holds firm at 6.250%, providing a stable fixed-rate choice for longer-term financing. Notably, the Other home equity product is listed at 9.000%, presenting an alternative for specific needs. For Hudson Valley homeowners, HELOCs suit those valuing flexibility, while the 6.250% fixed Home Equity Loan offers predictability in payments and budgeting.

Schoolsfirst

As of July 4, 2025, Schoolsfirst HELOC rates remain steady at 4.990% to 11.000%, unchanged over the past week. Similarly, Home Equity Loan rates hold firm between 6.750% and 10.875% across all recent periods. The stable HELOCs offer flexible borrowing options ideal for homeowners seeking revolving credit. Meanwhile, the fixed-rate Home Equity Loans provide predictable payments suited for long-term financial planning. Monitoring these consistent rates can help members make informed decisions based on their borrowing needs and market conditions.

Randolph Brooks

As of July 4, 2025, Randolph Brooks' Home Equity Loan rates range from 5.375% to 7.125%, showing a slight decrease from last week’s 5.500% to 7.250%. This modest drop suggests improving affordability for borrowers seeking fixed-rate options. While detailed HELOC rates aren’t listed, Home Equity Loans remain attractive for those prioritizing stable monthly payments over the loan term. Homeowners looking for predictable costs should consider these fixed-rate loans, while those needing flexible access might explore HELOCs when available. Monitoring these rates can help identify the best timing for tapping into home equity.

Affinity Plus

As of July 4, 2025, Affinity Plus Home Equity Loan rates remain steady between 5.490% and 8.240%, with the upper range rising from 6.395% fifteen and thirty days ago. Meanwhile, HELOC rates hold firm at 6.750% to 6.971%, unchanged over the past month. The widening spread in fixed-rate loans suggests borrowers seeking predictability may find longer-term fixed Home Equity Loans appealing despite recent increases. Conversely, HELOCs offer flexible borrowing options with stable rates, ideal for homeowners needing adaptable access to funds. Monitoring these trends helps optimize your home equity financing strategy.

American Heritage

As of July 4, 2025, American Heritage maintains stable rates for home equity products. The Home Equity Loan offers a competitive fixed rate range of 5.490% - 8.490%, unchanged over the past week, ideal for homeowners seeking predictable payments. Meanwhile, the HELOC rate spans 6.240% - 8.740%, also steady from last week, providing flexible credit access with variable pricing. With no recent rate changes, borrowers can consider these options based on preference for fixed stability or flexible borrowing. Home Equity Loans suit those prioritizing long-term budgeting; HELOCs appeal to those needing adaptable funds.

Hawaiistatefcu

As of July 4, 2025, Hawaiistatefcu’s HELOC rates remain stable at 5.550% for the low end, with the upper range widening to 8.250%, up from a previous ceiling of 5.900%. Over the past 30 days, the maximum rate has increased by 35 bps, while the minimum rate holds steady. Homeowners seeking flexible borrowing options may find these HELOC terms appealing for managing ongoing expenses or renovations. Monitoring rate fluctuations is key, as the broader range reflects varying credit factors and market conditions.

LendMesh

Debt piling up? A home equity loan might offer a lower interest rate and a fresh financial start. At LendMesh, we help you compare options side-by-side so you can pay down debt the smart way. Learn more at https://www.lendmesh.com/loans/home_equity_loans .

Conclusion