Introduction
As of July 18, 2025, homeowners looking to finance renovations, education, or consolidate debt have some compelling options in the home equity market. Whether you’re considering a flexible Home Equity Line of Credit (HELOC) or a fixed-rate home equity loan, today’s rates offer opportunities worth exploring. Royal Credit Union leads with an exceptionally low HELOC rate starting at just 3.000%, making it an attractive choice for borrowers seeking variable-rate flexibility with potential savings. Meanwhile, fixed-rate loans from credit unions like Goldenwest provide competitive stability with rates as low as 5.240%. If you prefer predictability over fluctuating payments, these fixed options may be ideal. For those who want steady rates but still desire access to funds when needed, institutions like Space Coast and Hudson Valley present strong HELOC offers in the low 4% range. Whether you're planning a major home upgrade or need funds for school expenses, today’s varied rate landscape means there’s likely a product tailored to your financial comfort zone and goals.
Home Equity Loans
Credit Union
Product
2025-07-18
(Current Day)
(Current Day)
2025-07-11
(7 Days Ago)
(7 Days Ago)
2025-07-03
(15 Days Ago)
(15 Days Ago)
2025-06-18
(30 Days Ago)
(30 Days Ago)
2025-06-03
(45 Days Ago)
(45 Days Ago)
2025-05-19
(60 Days Ago)
(60 Days Ago)
Royal
Heloc
3.000 - 18.000
6.750 - 7.500▲ 375 bps
6.750 - 7.500▲ 375 bps
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 - 14.900
3.990 - 14.900
California
Heloc
4.000 - 12.000
4.000 - 12.000
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
4.240 - 7.750
Space Coast
Home Equity
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
Goldenwest
Heloc
4.770
4.770
Goldenwest
Home Equity
5.240 - 6.490
5.240 - 6.490
Royal
As of July 18, 2025, Royal’s HELOC rates show a significant shift, currently ranging from 3.000% to 18.000%, compared to last week’s stable range of 6.750% to 7.500%. This notable drop highlights an opportunity for homeowners seeking flexible access to funds with potentially lower initial costs. While no fixed-rate home equity loans are listed, the wide range in HELOC APRs suggests varying borrower risk profiles or credit tiers. For homeowners prioritizing adaptability and short-term borrowing, Royal’s HELOCs remain a compelling choice amid recent rate fluctuations.
Gesa
As of July 18, 2025, Gesa’s HELOC rates remain steady at 3.950% - 18.000% APR, consistent over the past 15 days, offering flexible borrowing for homeowners needing revolving credit. The Home Equity Loan rates hold firm at 6.880% - 13.880% APR, providing stable fixed-rate options without recent fluctuations. These unchanged rates underscore reliability for borrowers seeking predictable payments or flexible access to funds. Homeowners valuing long-term fixed payments may find Gesa’s Home Equity Loans appealing, while those prioritizing credit line flexibility can consider the competitive HELOC range.
Wescom Central
As of July 18, 2025, Wescom Central’s HELOC rates remain steady, ranging from 3.990% to 12.000% APR, unchanged over the past 7 and 15 days. While no rate shifts occurred recently, the current range offers flexible borrowing options for homeowners seeking variable access to funds. A HELOC may appeal to those needing ongoing liquidity with competitive starting rates. Monitoring future trends is advised for potential savings opportunities as market conditions evolve.
Broadview
As of July 18, 2025, Broadview's HELOC rates remain steady at 3.990% - 14.900% APR, unchanged over the past 30 days. This stability offers homeowners predictable borrowing costs for flexible access to funds. While no new fixed-rate home equity loans are listed, the HELOC’s competitive starting rate of 3.990% is attractive for those seeking variable-rate options with ongoing access to credit. Homeowners looking for adaptability in financing home improvements or unexpected expenses may find these HELOC terms particularly beneficial in Broadview’s lending portfolio.
California
As of July 18, 2025, the California Credit Union HELOC rate remains steady at a range of 4.000% - 12.000%, unchanged from one week ago. With no available data beyond 7 days, rates show stability in the short term. Homeowners seeking flexible borrowing options may find this HELOC attractive for managing expenses with variable access to funds. While fixed-rate loans are not listed, the consistent HELOC pricing offers transparency for those prioritizing adaptable credit solutions in California’s current market. Monitoring rate trends can help members time their borrowing effectively.
Allegacy
As of July 18, 2025, Allegacy's HELOC rates remain steady at 4.000% - 18.000% APR, unchanged from one week ago. While no recent data exists for longer-term fixed loans, the consistent HELOC range offers flexible borrowing options for homeowners seeking variable-rate access to equity. HELOCs may appeal to those needing adaptable funds for home improvements or emergencies without locking into fixed terms. Monitoring these rates can help members decide when to tap into home equity efficiently. Stay informed for potential shifts in this versatile lending solution.
Space Coast
As of July 18, 2025, Space Coast credit union’s HELOC rates remain steady at 4.240% - 7.750% over the past 30 days, offering consistent flexible borrowing options. The Home Equity Loan rates hold firm between 6.490% - 7.740%, providing attractive fixed-rate solutions for homeowners seeking predictable payments. With no recent rate changes, now is a good time to consider a HELOC for flexible access or a fixed-rate Home Equity Loan for long-term stability. These stable rates support informed decisions for Space Coast members looking to leverage their home equity effectively.
Utah Community
As of July 18, 2025, Utah Community’s HELOC rates remain steady at 4.490% - 9.490% APR, unchanged over the past 7 days. While no rate movement is observed, this flexible Home Equity Line of Credit (HELOC) offers homeowners accessible borrowing options for variable needs. With no current fixed-rate home equity loans listed, the HELOC’s competitive range provides an attractive solution for those seeking adaptable credit access without long-term commitment. Homeowners considering financing flexibility may find this product well-suited to manage expenses or home improvements efficiently.
Hudson Valley
As of July 18, 2025, Hudson Valley’s HELOC rates remain stable at 4.500% - 7.750%, unchanged over the past 15 days, offering flexible access for homeowners needing variable borrowing options. The Home Equity Loan rate is steady at a competitive 6.250% fixed, providing a reliable choice for those seeking predictable payments. With no rate fluctuations in the last month, these products offer consistent terms for Hudson Valley members. Homeowners prioritizing long-term stability may find the fixed-rate Home Equity Loan at 6.250% particularly attractive, while HELOCs suit those valuing borrowing flexibility.
Goldenwest
As of July 18, 2025, Goldenwest's HELOC rate remains steady at 4.770%, unchanged from 7 days ago. The Home Equity Loan rates hold firm between 5.240% and 6.490%, also stable over the past week. These consistent rates offer homeowners reliable borrowing options. The HELOC’s flexible access suits those seeking variable credit, while the fixed Home Equity Loans provide predictable payments ideal for long-term planning. Homeowners should consider their financial goals when choosing between these products, balancing flexibility against fixed-rate stability for best value.
LendMesh
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Conclusion
If you’re ready to tap into your home’s equity, now is a great time to act—but only after careful comparison and consideration of your personal financial plans. For borrowers comfortable with variable rates and seeking the lowest entry point, Royal’s HELOC could offer significant savings if rates remain stable or decline. However, if you prefer consistent monthly payments that won’t change over time, exploring fixed-rate loans from Goldenwest or Space Coast might provide peace of mind during uncertain economic cycles. Remember that even small rate differences can impact your overall costs substantially over the life of a loan. Before committing, review your budget carefully and consider how long you plan to keep the loan open or outstanding—short-term use favors HELOCs while longer projects often benefit from fixed-rate security. Lastly, keep an eye on any upcoming market shifts; locking in today’s favorable rates could protect you against future increases. With thoughtful planning and timely action, leveraging your home equity can be a powerful tool to achieve your financial goals confidently.