Introduction

If you’re a homeowner looking to finance renovations, education, or consolidate debt, tapping into your home equity can be a smart move. As of August 1, 2025, Citizens Equity First is offering the lowest HELOC rates starting at just 2.99%, making it an attractive option for borrowers seeking flexible access to funds. Whether you prefer a variable-rate HELOC or a fixed-rate home equity loan, there are competitive choices available across credit unions today. For those who value stability, Indiana Members’ fixed-rate home equity loans begin at 7%, while Royal Credit Union offers steady HELOC rates around 3%. Notably, most credit unions have held their rates steady over the past week, giving you confidence in current pricing. If you want to leverage your home’s value without breaking the bank on interest, exploring these options now could help turn your plans into reality.

Home Equity Loans

Credit Union
Product
2025-08-01
(Current Day)
2025-07-25
(7 Days Ago)
2025-07-17
(15 Days Ago)
2025-07-02
(30 Days Ago)
Citizens Equity First
Heloc
2.990 - 18.000
2.990 - 18.000
7.500 - 18.000▲ 451 bps
2.990 - 18.000
Royal
Heloc
3.000 - 7.500
3.000 - 7.500
3.000 - 18.000
6.750 - 7.500▲ 375 bps
Indiana Members
Heloc
3.900 - 7.500
3.900 - 8.000
Indiana Members
Home Equity
7.000 - 8.625
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
Dupaco Community
Heloc
3.990 - 7.000
3.990
Dupaco Community
Home Equity
6.990 - 7.490
6.990 - 7.490
Americu
Heloc
3.990 - 11.000
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 - 14.900
3.990 - 14.900
3.990 - 14.900
Sound
Home Equity
3.990 - 18.000
3.990 - 18.000
California
Heloc
4.000 - 12.000
4.000 - 12.000
4.000 - 12.000

Citizens Equity First

As of August 1, 2025, Citizens Equity First HELOC rates remain stable at 2.990% - 18.000% APR, unchanged over the past 7 and 30 days but notably lower than the 7.500% - 18.000% range seen 15 days ago. This consistency in low starting rates makes the HELOC an attractive option for homeowners seeking flexible borrowing with competitive pricing. For those needing adaptable access to funds, HELOCs continue to offer valuable flexibility without rate increases over the last month. Monitoring these steady rates can help borrowers plan effectively for home improvements or debt consolidation.

Royal

As of August 1, 2025, Royal’s HELOC rates remain steady at 3.000% to 7.500%, unchanged from 7 days ago but significantly improved from 15 days ago when the upper APR spiked to 18.000%. Compared to 30 days ago, the current range shows a notable narrowing, with the lower rate stable and the upper rate dropping from 7.500%. HELOCs offer flexible borrowing options for homeowners needing revolving credit with competitive rates in today’s market. Monitoring these stable rates can help members plan for home improvements or unexpected expenses with confidence.

Indiana Members

As of August 1, 2025, Indiana Members HELOC rates remain steady at 3.900% - 7.500%, down from a high of 8.000% just one week ago, reflecting increased affordability and flexibility for homeowners seeking revolving credit. The Home Equity Loan offers a fixed rate range of 7.000% - 8.625%, providing predictable payments ideal for long-term budgeting. For Indiana homeowners, HELOCs may appeal to those needing flexible access to funds, while fixed-rate home equity loans suit members prioritizing stability over the loan term. Monitoring these rates helps optimize borrowing decisions aligned with financial goals.

Gesa

As of August 1, 2025, Gesa's HELOC rates remain steady at 3.950% - 18.000%, unchanged over the past 30 days, offering flexible borrowing options for homeowners seeking variable access to funds. Similarly, Home Equity Loan rates hold firm at 6.880% - 13.880%, providing stable fixed-rate choices without recent fluctuations. For those valuing predictability, the fixed Home Equity Loans present an attractive solution, while HELOCs suit homeowners needing adaptable credit lines. Monitoring these consistent rates can help members make informed decisions aligned with their financial goals.

Dupaco Community

As of August 1, 2025, Dupaco Community's HELOC rates remain steady at 3.990% - 7.000%, unchanged from 7 days ago. Meanwhile, Home Equity Loan rates hold firm between 6.990% and 7.490%, consistent over the past week. The stable HELOC range offers flexible borrowing options for homeowners seeking variable access to funds. For those prioritizing predictability, the fixed-rate Home Equity Loans present attractive terms without recent fluctuations. Monitoring these steady rates can help homeowners choose between flexible credit lines or fixed-term loans based on their financial needs.

Americu

As of August 1, 2025, Americu’s HELOC rates remain steady at a range of 3.990% - 11.000% APR, unchanged from 7 days ago. While no rate shifts are observed, this flexible HELOC option continues to offer homeowners adaptable access to funds with competitive starting rates. For those seeking variable-rate solutions, Americu’s HELOC remains a practical choice for managing home improvements or unexpected expenses. Monitoring these rates regularly can help members time their borrowing for the best terms.

Wescom Central

As of August 1, 2025, Wescom Central's HELOC rates remain steady at 3.990% - 12.000% APR, showing no change over the past 30 days. This consistent rate range provides predictable borrowing costs for homeowners seeking flexible access to funds. HELOCs may appeal to those needing variable-rate options and ongoing credit availability rather than fixed-term loans. While no new rate drops are observed, Wescom Central’s stable HELOC pricing supports informed financial planning for home equity borrowing. Homeowners should consider their liquidity needs when choosing between HELOCs and other home equity products.

Broadview

As of August 01, 2025, Broadview’s HELOC rates remain steady at a range of 3.990% to 14.900% APR, unchanged over the past 30 days. This stable rate environment offers consistent borrowing costs for homeowners seeking flexible financing options. HELOCs may appeal to those needing revolving credit with variable rates for home improvements or debt consolidation. While no rate changes occurred recently, the broad APR range allows borrowers to find terms suited to their credit profile and financial needs. Monitoring these rates can help homeowners time their borrowing decisions effectively.

Sound

As of August 1, 2025, Sound Credit Union’s Home Equity rates remain steady, with a range of 3.990% to 18.000% APR, unchanged from 7 days ago. This broad spectrum accommodates various credit profiles and loan types. Homeowners seeking predictable payments might consider fixed-rate options within this range, while HELOCs offer flexible access for ongoing expenses. Monitoring these stable rates can help homeowners plan borrowing strategies effectively, especially given the absence of recent rate fluctuations at Sound.

California

As of August 1, 2025, California credit union’s HELOC rates remain steady at 4.000% - 12.000% APR, unchanged over the past 30 days. This consistent rate range offers homeowners flexible borrowing options without recent increases. HELOCs provide valuable access to funds for home improvements or emergencies with variable rates that can adapt to your financial needs. While no fixed-rate home equity loans are listed currently, the stable HELOC pricing makes it an attractive choice for California homeowners seeking accessible and adjustable lending solutions. Monitor rates regularly to optimize borrowing costs.

LendMesh

You’ve invested in your home—now let your home invest in you. At LendMesh, we help you unlock your home equity with loan options that work for real life. Whether it's renovations, debt consolidation, or unexpected expenses, explore your options today: https://www.lendmesh.com/loans/home_equity_loans .

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Conclusion

Before you decide to tap your home equity, consider how soon you’ll need funds and your comfort with rate changes. If you want predictable payments, a fixed-rate home equity loan might be best—look closely at Indiana Members or Gesa for competitive fixed options. On the other hand, if flexibility and lower initial rates appeal to you, a HELOC like Citizens Equity First’s could save you money upfront but keep an eye on potential rate adjustments. It’s also wise to compare fees and terms alongside interest rates before committing. Remember, waiting for lower rates isn’t always the best strategy—rates have been stable recently, so locking in a good deal now can secure financing for your goals with less uncertainty. Lastly, always check your credit union’s latest offers and ask about special promotions that may not be widely advertised. Your home’s equity is a valuable resource—use it thoughtfully to support what matters most to you.