Introduction

For homeowners looking to unlock the value in their property, July 12, 2025, offers some encouraging options. Whether you’re planning a home renovation, funding education, or consolidating debt, tapping into your home equity can provide flexible financing tailored to your needs. If you’re seeking the lowest rates available today, consider a HELOC from Gesa Credit Union, starting at an attractive 3.95%, offering variable-rate access to funds when you need them most. For those who prefer a fixed-rate loan with predictable payments, Goldenwest’s home equity loans start as low as 5.24%, providing stability for longer-term projects. It’s worth noting that most credit unions have held steady on rates over the past month, signaling a stable borrowing environment. Borrowers who value flexibility and competitive pricing will find several appealing choices among these credit unions today.

Home Equity Loans

Credit Union
Product
2025-07-12
(Current Day)
2025-07-05
(7 Days Ago)
2025-06-27
(15 Days Ago)
2025-06-12
(30 Days Ago)
2025-05-28
(45 Days Ago)
2025-05-13
(60 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
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
6.490 - 7.740
Utah Community
Heloc
4.490 - 9.490
4.490 - 9.490
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 12, 2025, Gesa's HELOC rates remain steady at 3.950% - 18.000%, unchanged over the past 15 days, offering flexible borrowing options for homeowners needing variable access to funds. Meanwhile, Home Equity Loan rates hold firm at 6.880% - 13.880%, providing fixed-rate stability without recent fluctuations. For those seeking predictable payments, Gesa’s Home Equity Loans present an attractive choice, while HELOCs serve well for ongoing access and financial flexibility. Monitoring these stable rates can help homeowners plan their financing with confidence.

Wescom Central

As of July 12, 2025, Wescom Central's HELOC rates remain steady at 3.990% to 12.000% APR, unchanged over the past 7 and 15 days. The stable rate range offers flexibility for homeowners seeking variable-rate borrowing options with access to funds as needed. While no new rate drops are observed, the consistent pricing makes the HELOC an attractive choice for those prioritizing adaptable home equity financing. Homeowners considering flexible credit lines may find Wescom Central’s HELOC terms suitable for managing expenses or home improvement projects efficiently.

Broadview

As of July 12, 2025, Broadview's HELOC rates remain steady at a range of 3.990% to 14.900% APR, unchanged from 15 days ago but showing an expanded upper range compared to 7 days ago (6.250% max). This wide rate span reflects varied borrower profiles and credit factors. HELOCs offer flexible access to funds, ideal for homeowners needing ongoing liquidity without fixed repayment terms. While no fixed-rate home equity loans are listed currently, Broadview’s stable HELOC pricing provides accessible options for variable-rate borrowing with competitive low starting rates near 4.0% APR.

California

As of July 12, 2025, California HELOC rates range from 4.000% to 12.000% APR, down significantly from 5.990% to 10.000% a week ago. This notable drop in starting rates makes HELOCs especially attractive for homeowners seeking flexible, revolving credit with potentially lower initial costs. While fixed-rate home equity loans aren’t listed this period, the wide APR spread suggests options suitable for varying credit profiles. For California homeowners, HELOCs provide adaptable access to funds, ideal for renovations or emergencies amid shifting rate environments. Monitoring these trends can help optimize borrowing strategies effectively.

Allegacy

As of July 12, 2025, Allegacy’s HELOC rates remain steady at 4.000% - 18.000% APR, unchanged from one week ago. While no rate shifts are noted over the past 15 or 30 days, this range offers homeowners flexible borrowing options with competitive starting rates. HELOCs are ideal for those seeking versatile access to home equity without fixed repayment terms. For borrowers prioritizing adaptability in managing home improvements or expenses, Allegacy’s stable HELOC rates provide a transparent and accessible lending solution. Monitor for future rate updates to time your borrowing effectively.

Space Coast

As of July 12, 2025, Space Coast’s HELOC rates remain steady at 4.240% - 7.750% over the past 30 days, offering consistent flexibility for homeowners seeking variable borrowing options. Similarly, Home Equity Loan rates hold firm between 6.490% - 7.740%, providing stable fixed-rate choices ideal for long-term financial planning. The unchanged rates suggest a stable market environment. Homeowners needing adaptable credit may find HELOCs appealing, while those preferring predictable payments might consider the fixed-rate Home Equity Loans as attractive solutions for funding needs in the Space Coast area.

Utah Community

As of July 12, 2025, Utah Community's HELOC rates remain stable, holding steady at a range of 4.490% to 9.490% over the past 7 days. With no changes in the last two weeks, this consistent pricing offers predictability for borrowers. HELOCs may appeal to homeowners seeking flexible access to funds with variable rates suited for ongoing expenses or renovations. While fixed-rate home equity loans are not listed currently, Utah Community’s steady HELOC range provides a transparent and accessible option for managing home equity financing needs.

Hudson Valley

As of July 12, 2025, Hudson Valley's HELOC rates remain steady at 4.500% - 7.750%, consistent over the past 15 days, offering flexible borrowing for homeowners needing revolving credit. The Home Equity Loan holds firm at a competitive fixed rate of 6.250%, ideal for those seeking predictable payments. Notably, the new Solar loan is available at 9.000%, providing a specialized option for energy upgrades. Homeowners looking for stable, long-term financing may find the fixed-rate Home Equity Loan particularly attractive, while HELOCs continue to serve well for adaptable access to funds.

Goldenwest

As of July 12, 2025, Goldenwest’s HELOC rate remains steady at 4.770%, unchanged from a week ago. The Home Equity Loan rates hold firm between 5.240% and 6.490%, offering a range of fixed-rate options for different borrower needs. These stable rates provide homeowners with reliable choices: HELOCs offer flexible credit access, ideal for ongoing expenses, while fixed-rate Home Equity Loans deliver predictable payments over the term. For those seeking long-term stability or adaptable borrowing, Goldenwest’s current rates present solid opportunities in home equity financing.

Affinity

As of July 12, 2025, Affinity’s HELOC rates remain steady at 4.900% - 7.380%, unchanged from one and two weeks ago. While no rate movement is observed, these HELOCs offer flexible access to home equity without locking into fixed payments, ideal for homeowners seeking adaptable borrowing options. The competitive 4.900% starting rate provides an attractive entry point for variable-rate credit lines. For those valuing flexibility over fixed terms, Affinity’s HELOC continues to be a solid choice in today’s market environment.

LendMesh

College tuition? Medical bills? Major upgrades? A home equity loan could be the key to handling life’s big expenses. At LendMesh, we help you find rates and terms that make sense. Start comparing lenders at https://www.lendmesh.com/loans/home_equity_loans .

Conclusion

Before deciding to tap into your home equity, take time to assess your financial goals and the type of loan that best suits your situation. If you prioritize flexibility and plan to borrow intermittently for ongoing expenses like renovations or education, a HELOC with rates as low as 3.95% might be ideal. Conversely, if you want consistent monthly payments and a set timeline for repayment, exploring fixed-rate home equity loans starting near 5.24% could offer peace of mind. Remember to factor in fees, loan terms, and how long you intend to hold the loan. Finally, shop around and ask questions about rate locks or potential rate changes, especially if you expect interest rates to fluctuate. Taking these steps ensures you’ll make informed decisions that protect your home’s value while meeting your financial needs confidently.