Introduction

As of July 11, 2025, homeowners looking to unlock the value in their property have several appealing options for financing home improvements, education expenses, or consolidating debt. For those who prefer flexible borrowing, Gesa Credit Union offers a standout HELOC rate starting as low as 3.95%, making it one of the most competitive variable-rate choices available today. If you’re seeking a fixed-rate loan for predictable monthly payments, Goldenwest Credit Union’s home equity loans begin at a reasonable 5.24%, while Hudson Valley presents a solid fixed rate at 6.25%. Notably, rates have remained steady over the past two weeks across most credit unions, providing borrowers with confidence that current offers are stable. Whether you prioritize low initial rates or fixed security, today’s landscape favors disciplined borrowers ready to leverage their home equity smartly.

Home Equity Loans

Credit Union
Product
2025-07-11
(Current Day)
2025-07-04
(7 Days Ago)
2025-06-26
(15 Days Ago)
2025-06-11
(30 Days Ago)
2025-05-27
(45 Days Ago)
Gesa
Heloc
3.950 - 18.000
3.950 - 18.000
3.950 - 18.000
Gesa
Home Equity
6.880 - 13.880
6.880 - 13.880
6.880 - 13.880
Wescom Central
Heloc
3.990 - 12.000
3.990 - 12.000
3.990 - 12.000
Broadview
Heloc
3.990 - 14.900
3.990 - 6.250
3.990 - 14.900
California
Heloc
4.000 - 12.000
5.990 - 10.000▲ 199 bps
Allegacy
Heloc
4.000 - 18.000
4.000 - 18.000
Utah Community
Heloc
4.490 - 9.490
4.490 - 6.490
Hudson Valley
Heloc
4.500 - 7.750
4.500 - 7.750
4.500 - 7.750
Hudson Valley
Home Equity
6.250
6.250
6.250
Hudson Valley
Solar
9.000
Goldenwest
Heloc
4.770
4.770
Goldenwest
Home Equity
5.240 - 6.490
5.240 - 6.490
Affinity
Heloc
4.900 - 7.380
4.900 - 7.380

Gesa

As of July 11, 2025, Gesa's HELOC rates remain steady at 3.950% - 18.000% APR, unchanged over the past 15 days. Similarly, Home Equity Loan rates hold firm between 6.880% - 13.880% APR with no recent fluctuations. The stable HELOC rates offer flexible borrowing options for homeowners seeking variable access to funds, while the fixed-rate Home Equity Loans provide predictable payments ideal for long-term planning. Monitoring these consistent rates can help members decide when to leverage home equity for their financial goals.

Wescom Central

As of July 11, 2025, Wescom Central’s HELOC rates remain steady with a range of 3.990% to 12.000% APR, unchanged over the past 7 and 15 days. This consistent pricing offers predictable borrowing costs for homeowners seeking flexible financing options. HELOCs may appeal to those needing ongoing access to funds with variable rates tailored to individual credit profiles. While no rate shifts occurred recently, the broad APR range accommodates different risk levels, providing accessible lending solutions for Wescom Central members looking for home equity financing flexibility.

Broadview

As of July 11, 2025, Broadview’s HELOC rates remain stable at a range of 3.990% to 14.900% APR, matching the rates from 15 days ago and holding steady from last week. Notably, the upper APR band widened compared to 7 days ago when it was capped at 6.250%, indicating variable rate options for different borrower profiles. HELOCs offer flexible access to funds, ideal for homeowners seeking ongoing credit rather than fixed-term loans. Monitoring these rates can help members optimize borrowing costs while maintaining financial flexibility with Broadview’s home equity solutions.

California

As of July 11, 2025, California Credit Union’s HELOC rates range from 4.000% to 12.000%, down notably from last week’s 5.990% to 10.000%. This marks a significant decrease in starting rates, offering more affordable borrowing costs for homeowners seeking flexible credit access. With no fixed-rate home equity loans listed currently, HELOCs remain the primary option for those needing revolving credit tied to home value. Homeowners valuing flexibility may find these lowered HELOC rates especially attractive for managing expenses or funding projects with variable repayment needs.

Allegacy

As of July 11, 2025, Allegacy’s HELOC rates remain steady at 4.000% to 18.000% APR, unchanged from one week ago. While no recent data is available for home equity loans, the consistent HELOC pricing offers predictable costs for borrowers. HELOCs provide flexible access to funds, ideal for homeowners managing variable expenses or planning future projects. Monitoring these rates can help members time their borrowing decisions effectively. Stay informed with Allegacy’s weekly updates for transparent and accessible home equity financing options.

Utah Community

As of July 11, 2025, Utah Community’s HELOC rates remain steady at a range of 4.490% to 9.490% APR, unchanged from 7 days ago but showing an expanded upper range. While no data is available beyond 7 days, this flexible HELOC option continues to offer homeowners adaptable access to funds with competitive starting rates. For those seeking variable-rate borrowing with potential for rate adjustments, Utah Community’s HELOC remains an attractive choice for managing home improvements or unexpected expenses. Monitoring rate changes over time can help homeowners decide the best timing for tapping into home equity.

Hudson Valley

As of July 11, 2025, Hudson Valley rates remain stable. The HELOC offers a variable range of 4.500% - 7.750%, unchanged over the past 30 days, ideal for homeowners seeking flexible access to funds. The fixed Home Equity Loan holds steady at a competitive 6.250%, providing predictability for long-term borrowing. The specialized Solar Home Equity Loan is available at 9.000%, catering to energy upgrades. These consistent rates reflect stability in home equity financing options, helping homeowners plan effectively for renovations or debt consolidation in the Hudson Valley area.

Goldenwest

As of July 11, 2025, Goldenwest maintains steady rates on key home equity products. The HELOC rate remains at 4.770%, unchanged from 7 days ago, offering flexible access to funds for homeowners. Meanwhile, Home Equity Loan rates range from 5.240% to 6.490%, stable over the past week, providing fixed-rate options ideal for borrowers seeking predictable payments. No rate changes were observed in the last 15 or 30 days. Homeowners looking for consistent budgeting may find fixed Home Equity Loans attractive, while those needing ongoing access could benefit from the competitive HELOC rate of 4.770%.

Affinity

As of July 11, 2025, Affinity’s HELOC rates remain steady at a range of 4.900% to 7.380% APR, unchanged from 7 days ago. While no data is available for longer-term trends, these competitive rates offer homeowners flexible borrowing options without rate increases this month. HELOCs may appeal to those seeking adaptable access to home equity funds with variable repayment terms. For borrowers prioritizing flexibility over fixed payments, Affinity’s consistent HELOC pricing provides stability in an often fluctuating market. Homeowners should consider their borrowing needs and rate preferences when evaluating home equity solutions.

LendMesh

Your home equity is more than a number—it’s potential waiting to be tapped. Whether you need a lump sum or a flexible line of credit, LendMesh helps you compare trusted lenders in one simple place. Start your journey at https://www.lendmesh.com/loans/home_equity_loans .

Conclusion

Before moving forward with a home equity loan or HELOC, take time to evaluate your financial goals and repayment ability carefully. If you need flexibility for ongoing expenses or anticipate fluctuating costs—like renovations or tuition—consider a HELOC with its lower starting rates and revolving credit structure. On the other hand, if stability and a clear payoff timeline are your priorities, locking in a fixed-rate home equity loan might be your best bet. Remember to shop around and ask about any fees or qualification requirements that could affect your overall cost. Act now if you find a rate that fits your budget but don’t rush; waiting for slight market shifts can sometimes pay off if you’re not in immediate need of funds. Ultimately, tapping into your home’s equity is a powerful tool—use it wisely to build value without jeopardizing your financial security.