Introduction
Before you commit to a home equity loan or HELOC, consider your long-term financial plans and how rate fluctuations might impact your budget. If you value payment consistency and predictability, a fixed-rate home equity loan like those from Citadel offers peace of mind despite slightly higher rates than some HELOCs. On the other hand, if you want access to funds as needed with potentially lower initial costs, exploring HELOCs—especially the ultra-low introductory rates at Newport News Shipbuilding Employees—might be advantageous. Remember that variable rates can change over time, so monitor market trends closely and ask about rate caps or conversion options. Lastly, ensure your credit union’s terms align with your repayment timeline and borrowing needs. Taking time now to compare current offers and understand each program’s nuances will empower you to make confident decisions that protect your financial future while maximizing your home’s potential.
Home Equity Loans
Credit Union
Product
2025-07-24
(Current Day)
(Current Day)
2025-07-17
(7 Days Ago)
(7 Days Ago)
2025-07-09
(15 Days Ago)
(15 Days Ago)
2025-06-24
(30 Days Ago)
(30 Days Ago)
Citadel
Home Equity
6.240 - 6.759
6.240 - 6.759
6.240 - 6.740
Newport News Shipbuilding Employees
Heloc
0.250 - 9.240
Newport News Shipbuilding Employees
Home Equity
6.140 - 9.240
Citizens Equity First
Heloc
2.990 - 18.000
7.500 - 18.000▲ 451 bps
7.500 - 18.000▲ 451 bps
7.750 - 18.000▲ 476 bps
Royal
Heloc
3.000 - 7.500
3.000 - 18.000
6.750 - 7.500▲ 375 bps
6.750 - 7.500▲ 375 bps
Indiana Members
Heloc
3.900 - 8.000
Broadview
Heloc
3.990 - 7.000
3.990 - 14.900
3.990 - 14.900
3.990 - 14.900
Americu
Heloc
3.990 - 11.000
Wescom Central
Heloc
3.990 - 12.000
3.990 - 12.000
3.990 - 12.000
3.990 - 12.000
Sound
Home Equity
3.990 - 18.000
Citadel
As of July 24, 2025, Citadel's Home Equity Loan rates remain steady, with APRs holding at 6.240% to 6.759% over the past week and month. This consistent pricing offers a reliable option for borrowers seeking predictable, long-term financing. Home Equity Loans provide attractive fixed rates ideal for homeowners planning major expenses or debt consolidation. While rate movement is minimal, these loans deliver stability compared to variable products. For those needing flexible borrowing, HELOCs (not shown here) typically offer revolving credit lines. Overall, Citadel’s current home equity rates present solid value for community members aiming for accessible, transparent lending solutions.
Newport News Shipbuilding Employees
As of July 24, 2025, Newport News Shipbuilding Employees Credit Union offers competitive home equity rates. The HELOC range stands at an attractive 0.250% - 9.240% APR, ideal for homeowners seeking flexible borrowing options with variable access. Meanwhile, the Home Equity Loan fixed rates range from 6.140% to 9.240% APR, providing stability for longer-term financing needs. With no prior data for comparison, current rates reflect accessible lending solutions tailored to diverse financial goals. For those valuing predictability, the fixed-rate Home Equity Loan is beneficial, while the HELOC suits borrowers needing ongoing credit flexibility.
Citizens Equity First
As of July 24, 2025, Citizens Equity First HELOC rates show a notable improvement. The HELOC rate range dropped from 7.75% - 18.00% (30 days ago) to a low of 2.99% - 18.00% today, marking a significant decrease on the lower end. Rates have improved steadily over the past month, making HELOCs attractive for homeowners seeking flexible borrowing options with potentially lower initial rates. This flexibility suits those needing variable access to home equity without locking into fixed terms. Homeowners should monitor these competitive rates for cost-effective borrowing solutions aligned with their financial needs.
Royal
As of July 24, 2025, Royal’s HELOC rates range from 3.000% to 7.500% APR, showing a significant narrowing from the wider spread seen 7 days ago (3.000% - 18.000%). Compared to 15 and 30 days ago, rates have stabilized at the lower end (6.750% - 7.500% APR previously). This tightening indicates more consistent pricing for flexible borrowing. HELOCs may appeal to homeowners seeking adaptable access to funds with competitive rates today. Monitoring these trends can help decide optimal timing for home equity financing needs.
Indiana Members
As of July 24, 2025, Indiana Members' HELOC rates range from 3.900% to 8.000% APR, with no prior data available for comparison. While rate trends are not yet established, HELOCs offer flexible borrowing options ideal for homeowners needing access to funds on demand. For Indiana homeowners, this range presents a competitive starting point to consider home equity financing. Monitoring future updates will help track rate movements and identify the most advantageous times to borrow.
Broadview
As of July 24, 2025, Broadview's HELOC rates remain steady, holding at 3.990% - 7.000% compared to the past 7, 15, and 30 days when the upper APR was as high as 14.900%. This significant reduction in the maximum APR over the last month offers more predictable costs for borrowers. HELOCs may appeal to homeowners seeking flexible access to funds with competitive rates, especially given this notable drop in potential borrowing costs. Monitoring these rates can help homeowners optimize their borrowing strategy with Broadview’s accessible lending solutions.
Americu
As of July 24, 2025, Americu’s HELOC rates range from 3.990% to 11.000%, with no prior data for comparison. This wide rate span offers options for varied credit profiles. HELOCs provide flexible borrowing, ideal for homeowners seeking ongoing access to funds without fixed repayment schedules. While no fixed-rate home equity loans are listed currently, the competitive starting rate near 4% on HELOCs can benefit those prioritizing adjustable terms and convenience. Homeowners should assess their financial needs carefully when considering these variable-rate products for home improvement or debt consolidation.
Wescom Central
As of July 24, 2025, Wescom Central’s HELOC rates remain steady at a range of 3.990% to 12.000%, unchanged over the past 30 days. This stable rate environment offers homeowners predictable borrowing costs. HELOCs provide flexible access to funds, ideal for those managing ongoing expenses or home improvements. While no new fixed-rate home equity loans are listed this period, the consistent HELOC pricing continues to be an attractive option for borrowers seeking variable rates with potential interest-only payments. Homeowners should assess their financial needs and consider HELOCs for adaptable credit solutions.
Sound
As of July 24, 2025, Sound Credit Union’s Home Equity Loan rates range from 3.990% to 18.000% APR, reflecting a broad spectrum for varying borrower profiles. With no prior data for comparison, rate trends cannot be assessed this week. The competitive low starting rate of 3.990% offers an attractive option for homeowners seeking fixed-rate financing. Meanwhile, the wide APR range underscores the importance of understanding individual credit and loan terms. For those needing flexible access to funds, HELOCs remain a practical choice, though Sound’s current update covers only fixed-rate home equity loans. Monitoring rates regularly helps optimize borrowing decisions.
LendMesh
Stop searching lender websites one by one. LendMesh shows you side-by-side home equity loan offers—all in one place. Save time, reduce stress, and borrow smarter at https://www.lendmesh.com/loans/home_equity_loans .
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