Introduction
If you’re ready to tap into your home equity now, focus on understanding your financial goals and how each product aligns with them. For borrowers who need ongoing access to funds or anticipate fluctuating expenses, a HELOC—especially one with a low introductory rate like Newport News Shipbuilding Employees’—could be ideal. However, if stability is key and you prefer fixed payments during your repayment period, a home equity loan from Citadel or Sound Credit Union offers consistent rates worth considering. Keep in mind that while some HELOC rates have tightened over the past week, others remain stable—so shopping around and comparing terms is crucial. Finally, if market uncertainty or potential rate increases concern you, waiting might be wise; but if renovation projects or consolidations are pressing, locking in today’s favorable terms can provide peace of mind and financial leverage when you need it most.
Home Equity Loans
Credit Union
Product
2025-07-25
(Current Day)
(Current Day)
2025-07-18
(7 Days Ago)
(7 Days Ago)
2025-07-10
(15 Days Ago)
(15 Days Ago)
2025-06-25
(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
0.250 - 9.240
Newport News Shipbuilding Employees
Home Equity
6.140 - 9.240
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
3.900 - 8.000
Gesa
Heloc
3.950 - 18.000
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
6.880 - 13.880
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
Broadview
Heloc
3.990 - 14.900
3.990 - 6.250
3.990 - 14.900
3.990 - 14.900
Sound
Home Equity
3.990 - 18.000
3.990 - 18.000
Citadel
As of July 25, 2025, Citadel’s Home Equity rates remain stable, holding steady at 6.240% to 6.759% over the past 7 days and nearly unchanged from 30 days ago. This consistency offers predictability for borrowers considering a Home Equity Loan with fixed terms. For homeowners seeking flexible access to funds, HELOCs continue to be a valuable option, though specific HELOC rates are not detailed here. Maintaining current rates near 6.24% ensures competitive borrowing costs for both short- and long-term needs, supporting accessible lending solutions within the community.
Newport News Shipbuilding Employees
As of July 25, 2025, Newport News Shipbuilding Employees credit union’s HELOC rates remain steady at 0.250% - 9.240% APR, unchanged from a week ago. Similarly, Home Equity Loan rates hold firm between 6.140% and 9.240% APR. These stable rates offer predictable borrowing costs for homeowners. The low starting rate on HELOCs provides flexible access to funds, ideal for ongoing expenses or home improvements, while the fixed-rate Home Equity Loans suit those seeking long-term payment stability. Monitoring these consistent rates can help members make informed borrowing decisions aligned with their financial goals.
Citizens Equity First
As of July 25, 2025, Citizens Equity First HELOC rates show a significant improvement, dropping from a previous range of 7.750% - 18.000% (30 days ago) to a highly competitive 2.990% - 18.000% today. This marks a substantial decrease in starting rates over the past month, making HELOCs an attractive option for homeowners seeking flexible borrowing with lower initial costs. The broad rate range reflects credit risk and loan specifics, so borrowers should compare terms carefully. Overall, the current low entry point on HELOCs offers accessible home equity financing for varying needs.
Royal
As of July 25, 2025, Royal’s HELOC rates show a notable improvement. The current range is 3.000% - 7.500%, down significantly from 3.000% - 18.000% just 7 days ago and stable compared to rates 15 and 30 days ago at 6.750% - 7.500%. This drop reflects greater affordability for flexible borrowing through HELOCs, ideal for homeowners seeking adjustable access to funds. While no fixed-rate home equity loans are listed, the sharp reduction in upper-tier HELOC APRs presents an attractive opportunity for those prioritizing cost-effective, revolving credit options.
Indiana Members
As of July 25, 2025, Indiana Members’ HELOC rates remain steady, ranging from 3.900% to 8.000%, unchanged from one week ago. While no data is available beyond 7 days, this stable range offers homeowners flexible borrowing options with variable rates. HELOCs may appeal to those needing adaptable access to home equity funds without committing to fixed terms. For Indiana homeowners seeking versatile credit solutions, the current consistent rate band provides transparency and predictability in planning financing needs.
Gesa
As of July 25, 2025, Gesa’s HELOC rates remain steady at 3.950% - 18.000%, unchanged over the past 30 days. Similarly, Home Equity Loan rates hold firm between 6.880% - 13.880% with no movement in the last month. For homeowners seeking flexible borrowing, the HELOC offers consistent access to funds with competitive variable rates. Those preferring predictable payments may find value in the fixed-rate Home Equity Loans, which provide stable terms without recent rate increases. Monitoring these stable rates can help members make informed home financing decisions.
Americu
As of July 25, 2025, Americu’s HELOC rates range from 3.990% to 11.000% APR. Since no previous data is available, rate movement trends cannot be determined. HELOCs offer flexible borrowing options ideal for homeowners seeking variable access to funds for home improvements or debt consolidation. With a competitive starting rate of 3.990% APR, Americu’s HELOC provides an accessible solution for managing ongoing expenses while leveraging home equity. Homeowners should consider their borrowing needs and repayment plans when choosing between fixed-rate loans and HELOC products.
Wescom Central
As of July 25, 2025, Wescom Central’s HELOC rates remain steady at 3.990% to 12.000% APR, unchanged over the past 30 days. This consistent rate range offers predictable borrowing costs for homeowners. HELOCs provide flexible access to funds, ideal for those needing ongoing home improvement financing or emergency reserves. While no new fixed-rate home equity loan data is available, the stable HELOC rates at Wescom Central continue to present a viable option for borrowers prioritizing adaptability and control over loan use and repayment. Monitoring these rates can help homeowners time their borrowing effectively.
Broadview
As of July 25, 2025, Broadview’s HELOC rates remain steady with a range of 3.990% to 14.900% APR, consistent over the past 15 and 30 days. Notably, the upper APR limit decreased from 6.250% seven days ago to 14.900% today, indicating a wider rate spread. This product suits homeowners seeking flexible borrowing options with variable rates tied to their credit profile and usage needs. Monitoring these ranges can help borrowers identify opportunities for cost-effective access to home equity while balancing potential rate variability.
Sound
As of July 25, 2025, Sound Credit Union’s Home Equity rates remain steady at 3.990% to 18.000% APR, unchanged from a week ago. While no rate movement is observed over the past 7 days, the broad range reflects options for various credit profiles and loan structures. Homeowners seeking predictable payments may find fixed-rate home equity loans attractive, whereas HELOCs offer flexible access to funds as needed. Monitoring these rates can help members choose solutions aligned with their financial goals and timing.
LendMesh
What if your next project didn’t require a new loan—just a better one? Reinvest in your home with a loan that works on your terms. Discover how LendMesh helps you borrow better: https://www.lendmesh.com/loans/home_equity_loans .