Introduction
For homeowners looking to unlock the potential of their property, today’s home equity rates on August 8, 2025, offer some compelling opportunities. Whether you’re planning a major renovation, funding education, or consolidating debt, choosing the right type of home equity financing can make a significant difference. If flexibility is key for you, Citizens Equity First stands out with an exceptionally low HELOC starting at just 2.99%, giving borrowers access to variable-rate funds with convenient draw periods. On the other hand, if you prefer predictable monthly payments, fixed-rate home equity loans like those from Citadel (6.24% - 6.76%) provide stability without surprises. Keep in mind that some credit unions, such as Royal and Dupaco Community, maintain steady HELOC rates with minimal fluctuations over the past month—ideal for borrowers seeking consistency. By understanding these current offerings, you can confidently decide which path aligns best with your financial goals and timing.
Home Equity Loans
Credit Union
Product
2025-08-08
(Current Day)
(Current Day)
2025-08-01
(7 Days Ago)
(7 Days Ago)
2025-07-24
(15 Days Ago)
(15 Days Ago)
2025-07-09
(30 Days Ago)
(30 Days Ago)
2025-06-24
(45 Days Ago)
(45 Days Ago)
Citadel
Home Equity
6.240 - 6.759
6.240 - 6.759
6.240 - 6.759
6.240 - 6.740
Citizens Equity First
Heloc
2.990 - 18.000
2.990 - 18.000
2.990 - 18.000
7.500 - 18.000▲ 451 bps
7.750 - 18.000▲ 476 bps
Royal
Heloc
3.000 - 7.500
3.000 - 7.500
3.000 - 7.500
6.750 - 7.500▲ 375 bps
6.750 - 7.500▲ 375 bps
Indiana Members
Heloc
3.900 - 7.500
3.900 - 7.500
3.900 - 8.000
Indiana Members
Home Equity
7.000 - 8.625
7.000 - 8.625
Gesa
Heloc
3.950 - 18.000
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
6.880 - 13.880
Dupaco Community
Heloc
3.990 - 7.000
3.990 - 7.000
3.990 - 21.000
Dupaco Community
Home Equity
6.990 - 7.490
6.990 - 7.490
6.990 - 7.490
Americu
Heloc
3.990 - 11.000
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
3.990 - 12.000
Broadview
Heloc
3.990 - 14.900
3.990 - 14.900
3.990 - 7.000
3.990 - 14.900
3.990 - 14.900
Sound
Home Equity
3.990 - 18.000
3.990 - 18.000
3.990 - 18.000
Citadel
As of August 8, 2025, Citadel’s Home Equity Loan rates remain steady, holding at a competitive range of 6.240% to 6.759% APR over the past 30 days. This consistent pricing offers homeowners a reliable option for fixed-rate borrowing without recent fluctuations. For those seeking predictable monthly payments, Home Equity Loans provide long-term stability. Alternatively, homeowners looking for flexible access to funds may consider HELOCs elsewhere, as Citadel’s current data covers only fixed home equity loans. Staying informed on these rates helps homeowners choose the best fit for their financial goals.
Citizens Equity First
As of August 8, 2025, Citizens Equity First's HELOC rates remain steady at 2.990% - 18.000% APR over the past 30 days, reflecting stability after a previous higher starting point of 7.500% APR a month ago. This consistent rate range offers homeowners flexible borrowing options with predictable costs. HELOCs may appeal to those seeking adaptable access to funds for home improvements or emergencies without locking into fixed terms. For borrowers prioritizing flexibility and manageable rates, this product remains a practical choice in the current market environment.
Royal
As of August 8, 2025, Royal’s HELOC rates remain steady, holding at a range of 3.000% to 7.500% over the past 30 days, down from a higher starting point of 6.750% to 7.500% one month ago. This stability at lower rates offers homeowners flexible borrowing options with competitive pricing. HELOCs may appeal to those seeking adaptable access to home equity funds without locking into fixed terms. For borrowers valuing flexibility and potential cost savings, Royal’s current HELOC range presents an attractive solution in today’s market.
Indiana Members
As of August 8, 2025, Indiana Members’ HELOC rates remain steady at 3.900% - 7.500% APR, unchanged from 7 and 15 days ago, showing stability after a slight drop from 8.000% fifteen days prior. Meanwhile, Home Equity Loan rates hold firm between 7.000% and 8.625% APR over the past week. The HELOC’s flexible access to funds suits homeowners seeking variable borrowing options, while the fixed-rate Home Equity Loan offers predictable payments for long-term planning. Monitoring these consistent rates can help Indiana homeowners choose the best fit for their financial needs.
Gesa
As of August 8, 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% and 13.880% with no movement in the last month. For homeowners seeking flexible borrowing, HELOCs offer variable access to funds without rate changes recently. Those preferring predictable payments may find value in fixed-rate Home Equity Loans, especially given their stable pricing. Monitoring these consistent rates can help homeowners make informed decisions on leveraging home equity effectively.
Dupaco Community
As of August 8, 2025, Dupaco Community’s HELOC rates remain steady at 3.990% - 7.000%, unchanged from 7 and 15 days ago. Meanwhile, Home Equity Loan rates hold firm between 6.990% and 7.490% over the past 15 days as well. The consistent low starting HELOC rate of 3.990% offers flexible borrowing for homeowners seeking variable access to funds. For those prioritizing predictable payments, the fixed Home Equity Loan rates near 7% provide a stable long-term option without recent increases. Homeowners should consider their financial goals when choosing between these accessible lending solutions.
Americu
As of August 8, 2025, Americu’s HELOC rates remain steady at a range of 3.990% to 11.000% APR, unchanged over the past 7 and 15 days. While no rate movement is observed, this broad range offers flexible borrowing options for homeowners. HELOCs are particularly attractive for those seeking adjustable-rate products with revolving credit access, ideal for ongoing home improvement or emergency funds. Although no fixed-rate home equity loans are listed, the current stable HELOC rates provide transparent and accessible financing solutions for Americu members looking to leverage their home equity effectively.
Wescom Central
As of August 8, 2025, Wescom Central's HELOC rates remain steady at 3.990% to 12.000% APR, unchanged over the past 30 days. This stability offers homeowners predictable borrowing costs for flexible home equity access. While no fixed-rate home equity loans are listed currently, the consistent HELOC range provides an attractive option for those seeking variable rates with potential interest-only payments. Homeowners considering funding renovations or managing expenses may find HELOCs appealing due to their flexibility and stable pricing this month. Monitoring rate trends remains important for timing your borrowing decisions effectively.
Broadview
As of August 8, 2025, Broadview’s HELOC rates remain stable, with today's range at 3.990% - 14.900%, unchanged from both 7 and 30 days ago. Notably, the upper APR limit increased from 7.000% fifteen days ago to 14.900% today, indicating a wider rate spread for borrowers. HELOCs offer flexible access to funds, ideal for homeowners seeking variable borrowing options. While fixed-rate home equity loans aren’t listed this period, the consistent low starting rate of 3.990% on HELOCs presents an accessible entry point for many. Homeowners should consider their borrowing needs and risk tolerance when choosing between product types.
Sound
As of August 8, 2025, Sound Credit Union’s Home Equity rates remain steady, holding at 3.990% - 18.000% APR over the past 30 days. This wide range reflects diverse borrower profiles and loan structures. For homeowners seeking predictable payments, fixed-rate Home Equity Loans offer stability, while HELOCs provide flexible access to funds with variable rates. Maintaining consistent rates helps borrowers plan effectively in today’s market. Homeowners should assess their financial goals when choosing between these options to maximize value and manage costs confidently.
LendMesh
Need funds but don’t want to touch your savings? A home equity line of credit (HELOC) could be the solution. LendMesh connects you with lenders offering flexible borrowing and competitive rates. Start your search at https://www.lendmesh.com/loans/home_equity_loans .
Conclusion
Before tapping into your home equity, it’s crucial to weigh your personal needs and market conditions carefully. If you value flexibility and anticipate variable borrowing amounts or timelines, a HELOC with low starting rates—such as Citizens Equity First’s 2.99%—could be advantageous today. Conversely, if budgeting certainty is a priority, locking in a fixed-rate loan from options like Citadel may protect you from future rate hikes. Remember to review any recent rate trends; while most credit unions show stable pricing over the past weeks, some have experienced slight shifts worth monitoring. Finally, always assess your repayment capacity and long-term plans before borrowing—home equity loans are powerful tools but require responsible management. Staying informed and consulting with your credit union can help ensure your decision supports both immediate needs and future financial health.